UNITED FINAL EXPENSE SERVICES, INC.
VERO BEACH, FLORIDA

In 2012 we made the decision to concentrate on the Florida senior final expense sales market. We started selling final expense. It made a lot of sense to make this adjustment as since we are surrounded by seniors. And lots of them! Yes, we live in South Florida. What we didn’t know is that this industry is a lot more complex than what it appeared to be, therefore we almost failed. Having the right final expense insurance leads is only part of the equation. In 2014 Mariana Tirante and Douglas Massi incorporated United Final Expense Services to officially enter the final expense sales market. We teach others our breakthrough sales system and give them all the tools that we didn’t have access too, when we entered the industry. Today, we are a national insurance marketing organization. With our system, a newly licensed agent can be out in the field selling final expense on a face to face basis, within a few short weeks. Our training program is one of, if not the strongest in the Final Expense industry. We offer one on one mentoring and video training and our sales program includes daily training sessions. Our training is very intensive and requires hard work. We make it hard for you to fail. All you need is a strong work ethic along with the ability to learn the products and how they are sold. We want you to be successful. This is why we invest so much into you. Making Final Expense Sales as An Independent Agent Is Important Agents selling final expense insurance can make a difference. There are a lot of retired seniors that are just barely getting by on their social security income and struggle to survive. These folks are willing to figure out a way to use some of their monthly income to fund a whole life insurance policy. For them, this is a big sacrifice that can make a big difference in their family’s life. Funeral costs are expensive. In many cases, final expense insurance is the only way these folks can afford to be buried. Funerals are expensive. People are being cremated against their will and it’s discouraging. This is a terrible option for many to look forward to. It’s against a lot of basic American principles and religious beliefs. Agents selling final expense insurance can help these folks out. A lot of unexpected things happen in life and the next thing you know, things don’t turn out the way they were supposed to. We hear stories from clients all the time about what should have happened, and what didn’t happen. I first started hearing these stories during my final expense sales training. Just another established need for agents selling final expense insurance! Sadly, we hear a lot of stories like this one from agents selling final expense insurance. People work hard their whole lives and end up having accidents where they end up disabled. Most jobs today don’t come with an automatic paycheck if you suddenly can’t work. The next thing you know, you’re on disability without a pension. Social security isn’t going to pay very much. It’s even worse if you worked in an environment where you have to live off of tips. That means the social security check will be hardly anything. With proper final expense sales training, agents selling final expense insurance can help these folks. A good agent can make a difference for people in this situation because every penny counts. Not only that, but you don’t want someone coming behind you to replace your sale because you’re selling overpriced products. This is something that we constantly address during our final expense sales training. It’s important to have the skills along with the work ethic and moral values in order to make a difference for our clients. Agents selling final expense insurance are extremely necessary, even though we are not always appreciated. Selling mortgage insurance / mortgage protection leads Final expense sales is our main business. We do have agents selling mortgage insurance that cross over to final expense. There are also agents with us that mainly work mortgage protection leads and sell mortgage protection along with final expense. Both markets are doable. You can do final expense, face to face, or final expense telesales. Selling mortgage insurance is a little more complex as it is usually done on a face to face basis. Yes, we have the leads for mortgage protection sales. A lot of agents assume that we don’t because that’s not our specialty market. Be assured, I left the mortgage protection industry to get into final expense sales because I knew that the senior market was the future. As long as people are re-financing and purchasing new homes, we will always have the carriers, products, and direct mail leads for mortgage protection and Where should you start selling final expense insurance? Unfortunately, a lot of insurance agents get recruited by managers and companies that exaggerated things. These companies tend to recruit as many agents as possible, only to end up fighting to keep the ones that can sell. Most agents that are recruited by these companies tend to stick around for a little while before they end up hitting the road because they don’t even have access to final expense insurance leads. When they do make sales, they really don’t make enough money to justify sticking through the learning curve. Agents selling final expense insurance should be well compensated. It’s hard to survive on a couple sales a week when you are only making a few hundred dollars per sale. I was once a captive agent and I will say that the training I received at that agency was second to none. We had to be in the office daily for ongoing training. The manager made sure we did what we were taught. This was great if you don’t mind being micro managed and want to learn at any cost. I was working very hard to make a living as a Hartford agent and was paying $30 Per Lead. My contract level was 60% so I was splitting my sales with the agency.