Grow Your Business in 2024

Sell More
Final Expense Policies
with Pinney

More carriers, more support & an integrated CRM + quoter

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New
Final Expense Quoting in Insureio

Free for Agents Contracted with Pinney

Now you can quote final expense products in Insureio, our CRM of choice! And you get free access to Insureio's quoter once you're contracted with Pinney. No more switching quoters to go from term or UL to final expense!

  • Provide basic information about your client: name, email, gender, height, weight, state of residence
  • Select a benefit type: level, graded/modified, guaranteed issue, or traditional/SIWL
  • Select a coverage amount: $2,000 - $100,000
  • View quotes and Click Apply to submit the app with the carrier.

You can also add notes to the case during the quoting process. It's the same quote path you're already familiar with – now with even more options to help you better serve your clients.

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Carriers

Check out our newest final expense carriers below! These are in addition to our regular final expense carriers, which include American General, Assurity, Encova, Mutual of Omaha, Sons of Norway, and many more.

Guarantee Trust Life
Globe Life
Royal Neighbors
Great Western
*Products and availability subject to change at the carrier’s discretion.

Selling Final Expense Should Be Easy

…and it can be, with a partner who offers a wide variety of products with sales & marketing support.

You already know how to sell – you’re doing it every day. But final expense requires a slightly different approach.

Let us be your back-office support and your go-to resource for product questions so you can keep doing what you do best. Spend your time marketing and selling and we’ll do everything else.

Why final expense?

There’s a big sales opportunity here, from a growing market to increased product options.

Growing Market

By the year 2030, all Baby Boomers will be age 65 or over. (Census.gov) It’s time to tap into the specific age demographic that wants and needs this type of coverage.

Fast Underwriting

Because these policies are simplified and guaranteed issue, underwriting is fast, with decision times ranging from a few seconds to a few days. That means your clients get covered quickly – and you get paid quickly.

Increased Product Options

We offer over a dozen final expense carriers with simplified and guaranteed issue products. With issue ages from 18-85 and face values from $1,000 - $350,000*, there’s a way to find coverage for just about anyone who needs it.

Low Cost

Most final expense policies come with a low barrier to entry in terms of price. If you frequently hear the objection “I can’t afford a policy,” you may want to have a few final expense options to offer clients who would otherwise go without.

Need help getting up to speed? We’re here to help!

Get in Touch

Resources to Help You Sell

All our team members are here to support you and your clients, from application fulfillment support to marketing tips. We want to be a partner in your success!

Learn More

Let us be your go-to resource for everything from products to riders to sales strategies. One click or call, and you’re connected to an entire team working to help you succeed.

Pricing, availability, issue ages – final expense products are changing all the time, especially as COVID evolves. Our in-house wholesaler is on top of these changes, tracking them for our team so we know exactly what’s available to meet your clients’ needs.

Selling final expense comes with its own challenges, so we published this post with guidance to get you started. With advice on choosing a target market, presentation tips, and in-person and digital marketing ideas, it’s a great place to start if you’re new to final expense sales.

Use this funeral planning expense worksheet as a conversational guide when you work with clients. You can complete it together or leave it with them to complete between appointments. Click or tap here to get it – choose from a fillable PDF or a Word doc.

FAQ

Here's what else you need to know

Of course! Our brokerage managers can give you a run-down of the carriers and products we see most often. Brush up on their specs, and you’re ready to start that conversation. And don’t forget – we’re just a phone call or email away if you need help.

Check out this post we created, full of marketing strategies and ideas. It walks you through the target demographic, how to frame your “why,” and offers marketing ideas for in-person and online sales.

We offer more than quotes and good commissions. If you’re looking for a partner – someone with deep planning and marketing experience – that’s us. Plus, our insurance CRM software can help you do a better job of prospecting and marketing using insurance sales automation. Click or tap here to learn more about what we offer and how to join the team.

It depends on how much business you’ve done in the past (and how much you anticipate doing with us in the future). If you’re interested, fill out the form below and we’ll give you a call to go over our commission levels.

One of our brokerage mangers can get you set up with everything you need. Fill out the form at the bottom of this page and we’ll get in touch as soon as we can!

Want our final expense cheat sheet?

Fill out this form to download our list of simplified issue and guaranteed issue options!