Read-only script — please read it here on this page. This script is not available to download or print.
Section 1: The Opening — Final Expense Live
Hi, this is ______ from Senior Financial Solution. How are you doing today?
I am calling to inform you about a brand-new, state-approved Final Expense whole life insurance plan, which is designed to cover 100% of the cost of funeral, burial, cremation and any other debts or obligations you may leave behind. So, I do have a licensed agent on the line with me who is ready to give you a quick quote. May I know how old you are as of today?
Trainer note: Must be between (45–85).
You’re sounding pretty young!
Section 2: Qualification Questions
How do you spell your last name?
(Write the name down, say thank you.)
And how do you spell your first name?
(Give a compliment about the name, such as: that’s a beautiful name.)
What is your ZIP code?
(In order to connect you with an agent in your area, we need to have your ZIP code.)
(Ask about the weather and build rapport with the customer.)
What’s your big day — I mean, your date of birth?
(As we have different benefits for different age groups, for that purpose we need your date of birth.)
And if you get qualified for some discounts, I believe you do have an active savings or checking account, right?
(If the customer says no, ask them: how do you receive your Social Security? If they say “in the mail”, hang up. If they say on a card or in a bank, proceed with the call.)
One last question: could you make your own decisions? Are you the decision maker?
Wow! So you’re the boss of the family!
Perfect!
Section 3: The Warm Transfer
Thank you for being so cooperative! That’s pretty much all the information I wanted to know. Now I am going to go ahead and connect you with the product specialist, so they can give you all the quotes and rates. They will let you know how this policy can benefit you and your family, so just see what options we have got for you, alright?
Stay on the line with me, okay?
Trainer note: Take a clear Yes/Okay.
Section 4: Rebuttals
When agents are busy
We’re just waiting for the agent to join the line. It usually takes a few seconds, but sometimes we get a bit overbooked since we’re a well-reputed organization helping hundreds of families every day. So bear with me — I’ll stay on the line until someone picks up, okay?
Why do you need my age?
As we have different benefits for different age groups, for that purpose we would like to have your age.
Why do you need my date of birth when you have my age?
I am filling out an application for you so I can connect you with the agent, and I am required to take your date of birth. Can I have it now?
Why do you want my name?
In order to introduce you to a product specialist in your area, we need your full name.
Why do you need my bank account?
It’s just a yes-and-no question. (But if the customer asks why you are asking this:) Once you choose to move forward with this policy, we’ll simply link it to your bank account so your payments are taken care of automatically. That way, even if you’re sick, hospitalized, or just busy, you’ll never have to worry about missing a payment. This keeps your policy active and your investment fully protected.
How long does it take? I don’t have time.
Don’t worry, it will barely take 10–15 minutes. Let me connect you with the agent real quick.
You are a scammer.
I completely understand why you’d feel that way — there are a lot of scams out there these days. But I assure you, we’re a legitimate business and we’ve been helping families with their life insurance for years. We work directly with trusted, top-rated companies like Mutual of Omaha, AIG, and Aetna. You’re always in control, and we’re here to make sure you feel 100% comfortable every step of the way.
Your caller ID is showing another name. I don’t trust this.
I understand the number might show a different name. That’s because we use an automatic dialer system to call people nationwide. But don’t worry, I’m calling you from Senior Financial Solution and we work with trusted insurance companies like AIG, Mutual of Omaha, etc.
My funeral is already paid for.
That’s actually really smart of you to take care of that ahead of time — most people don’t even think that far. But just so you know, final expense isn’t only for the funeral — it also helps your family cover the unexpected things that usually come up: things like ambulance bills, legal fees, loans you have taken, travel expenses for loved ones, or even just keeping the lights on while everything settles. Most families are hit with $3,000 to $8,000 in extra costs even after the funeral is handled, and it’s all about leaving a legacy, not burdens. This policy is designed to take care of all of that, so your loved ones don’t have to scramble or come out of pocket. Let me just get you a quick quote — there’s no cost or obligation. If it makes sense, great. If not, at least you’ll know.
I don’t remember my ZIP code.
Have you recently received any mail? If yes, go ahead and grab one of those — your ZIP code should be written on it.
How much is it for 5k, 10k, etc.?
That’s a great question. Since the rates depend on your age and health conditions, let me connect you with a product specialist so they can give you the exact quotes and rates.
Why do you want my ZIP code?
In order to pull up the quotes for your local area, we would like to have your ZIP code so we can connect you with a product specialist in your state.
Not interested.
Mr. ____, I completely understand your concern! A lot of people feel they don’t need this coverage, but we have seen millions of people leaving their families to suffer a financial burden when they had a chance in their life to get a policy and didn’t buy one in time. You have time today to think about it. We have an agent who can provide you a quote — see if it makes sense and you can go ahead; otherwise, there will be no obligation and no cost on your part.
Not interested (2).
We’re not asking you to make any decision or commitment right now. We’ll just show you a few options that could benefit you and your family. If it sounds good, you can move forward — if not, there’s absolutely no obligation or cost on your end. Just go ahead and check the options.
Whom do you want to speak to?
I want to speak to you about the final expense benefits.
Already have insurance.
Mr./Miss ____, I completely understand your concern, and it’s great that you are thinking ahead. But you know, the cost of funerals has increased over the years, so our agent can show you some affordable plans which will suit your budget and needs, and then you can choose your way.
I already have an insurance policy (2).
It’s great that you’re planning ahead! That’s the first step. But with inflation and the rising cost of everything, burial and cremation expenses are no exception. Let’s say you have a $10,000 policy today. That might be enough in 2025, but by 2030 or 2035, those same services could cost significantly more. Have you thought about how that could impact your family financially? Most people haven’t, and that’s okay. Now is the perfect time to review your options. We can show you plans that are tailored to your budget today while preparing you for the future. Take a moment to look everything over, and then let us know what you’d like to do next.
Not right now.
Mr./Miss ______, that’s exactly what we are calling you for. You don’t have to pay for it right now — we can go ahead and provide you a quote, and you can decide with the agent when, in the next 30 days, it will be okay for you to get started. We have an agent who can provide you a quote — see if it makes sense and you can go ahead; otherwise, there will be no obligation and no cost on your part. So I want to ask you one more time: would you consider talking to the agent?
What’s your agent’s name?
Don’t worry, we have over 3,000 product specialists nationwide. When they connect with you, they’ll properly introduce themselves and make sure you feel comfortable before moving forward.
I have cancer. I don’t qualify.
I am sorry to hear that. God bless you with good health. But don’t worry — we can cover you regardless of whatever health conditions you have.
I am not a senior citizen.
I understand that, but this plan covers everyone whose age is between 45 to 85, so may I know how old you are?
I don’t want to die.
I completely understand where you’re coming from. But as you know, this isn’t always about us — it’s really about the loved ones we leave behind. Nobody wants their family to face a financial burden while they’re already grieving and trying to handle funeral arrangements. So let me connect you with an agent who can explain how this can help protect your family and give you peace of mind. Does that sound fair?
I don’t want to change my plan.
I completely understand, and you don’t have to change anything about your current plan. What I’m doing is helping people add a little extra coverage on top of what they already have, so you’re not left short when final expenses come up. It’s just about giving you and your family more peace of mind, if it makes sense for you. Fair enough?
Busy.
I understand you’re busy. I just need a few moments of your precious time that will be beneficial for you for the rest of your life, and this will barely take around 10–15 minutes. Okay?
You’re asking me too many questions.
Sir/Ma’am, these are just qualification questions, which will help us customize a plan that suits your budget and needs.
How many people do I have to talk to?
This is going to be the last person that I am going to transfer you to.
I receive a lot of these calls.
I understand — I get my share of these calls every day too. But I also know that no one really takes the time to explain the true benefits of having a Final Expense policy. Let me be the first to share exactly how it can help you, and then you can decide what’s best for you.
Where are you located?
We’re located in Clearwater, Florida; however, we are working as a nationwide company and we do have over 3,000 agents across the country.
How much does it cost?
Don’t worry — these policies are very inexpensive, and the cost totally depends on your age and health conditions. I have a product specialist on the line with me — just talk to them, they will explain everything. There is no cost and no obligation on your end. If it sounds good, go ahead; otherwise, just consider it a friendly conversation.
Send it to me in the mail.
That’s exactly what we do — first, we send you everything in the mail so you have time to review it at your own pace. But before we do that, let me quickly connect you with our product specialist. He’ll ask a few simple questions to customize a plan that fits your needs and budget, so the information you receive is actually relevant to you. It only takes a minute.
I can’t afford it.
I understand, but these policies are very inexpensive. It might cost you a dollar per day, so do you think with your current budget you could afford at least a dollar per day?
I can’t afford it (2).
“I completely understand, [Name]. Most of the families I talk to feel the same way at first. But let me share something with you — the whole reason people get final expense coverage is because they can’t afford to leave their loved ones with thousands of dollars in funeral and burial costs. The average funeral today is over $10,000. Without this plan, that entire burden falls on your family instantly. Now, $35 a month is just a little over a dollar a day — less than what most of us spend on coffee, soda, or snacks. But that small amount guarantees your family peace of mind and protects them from a big financial hardship. Let’s be honest — if something happened tomorrow, could your loved ones come up with $10,000 immediately? Or would it be easier for you to set aside just $35 a month to make sure they’re completely protected?”
I have a term life insurance policy.
I really appreciate that you’ve taken the step to protect your family — most people don’t think that far ahead. However, I’d like to shed some light on something important. You already have Term Life, which is great, but what we’re offering — Final Expense — actually complements it perfectly. Now, having Term Life is definitely beneficial, but it does come with a few drawbacks. It usually requires a medical exam, expires after a certain period, and the payout typically takes 15 to 90 days after the insured passes away. Final Expense, on the other hand, is designed to make things easier for your loved ones. It comes with fast approval, no medical exam required, and never expires as long as the premiums are paid. Even better, it pays out quickly — usually within 24 to 48 hours after the insured passes. It also builds cash value that you can withdraw from if needed. That’s why it’s a wise decision to have at least $6,000 to $12,000 in Final Expense coverage — so burial arrangements can be handled right away while waiting for the Term Life insurance payout. Because as we all know, no one’s funeral can wait 15 days.
Where are you calling from?
I’m calling from Senior Financial Solution. We are a private organization working with the top A-rated carriers such as Mutual of Omaha, AIG, Prosperity, Aetna and many more.
Where did you get my number?
We usually get your information through online requests and senior databases.
Call back later.
I got it. And what’s the best time to call you back? Now, just before you leave, I want to ask you one fair question: how many times have you received a phone call or documents in your mail for a Final Expense insurance policy? So many times, right? And your answer was the same — callback. Guess what: you have been waiting for long, and these rates are increasing every day. The longer you wait, the higher the price will be. Give us 5 to 10 minutes right now and we will show you options that will fit your needs best. We have an agent who can provide you a quote — see if it makes sense and you can go ahead; otherwise, there will be no obligation and no cost on your part. So I want to ask you one more time: would you consider talking to the agent?
You should have my information.
We only have your phone number, which we got through our insurance survey. We don’t have your personal information.
There is a lot of background noise with you.
I understand there’s a lot of background noise on my end. I’m currently at my workplace and have some coworkers around me. But I’ll speak a little louder so you can hear me clearly, okay?
Section 5: Transfer Rules & Compliance
Rule: Don’t transfer a customer who is asking for a callback number, website, or physical address, or using abusive language, or someone who is too excited to have the policy.
DNC NAMES: Jack Meoff, Mike Hunt, Ben Dover, Heywood Jablome, Deez Nuts, John Doe, Nick Gurh, Mike Coxlong, Mike Literus, Barry McKockniner, Jenna Tolls, Hugh janus, Harry ballsack, Harry balls, Joe Biden, Donald Trump, Elson Musk, terry maakichut, ben chud, hugh eraction, Ligma balls
Make sure none of these names get transferred, and don’t send incomplete info or a disqualified date of birth.
When you take age and date of birth from a customer, always check if they match. If not, let the customer go.
We offer plans ranging from $2,000 to $50,000.