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It?s a difficult time for family members and friends when they lose someone they love, but an agent can ease the pain somewhat by giving the family quality and professional service. So agents should place first-rate service at the top of their priorities when searching for final expense insurance leads.
Recently, burial insurance is gaining popularity as both individuals and families see this ritual as a dignified and economical way to deal with their loss.
Consumer interest in pre-planned funerals in the past three decades has been rising steadily, as pointed by the National Funeral Directors Association (NFDA). Interest in prefunding these services has also risen.
Final expense insurance can be viewed as a life insurance alternative that offers different benefits. Since the consumer is preparing a policy for something that?s inevitable for everyone, insurers are prepared that it will be used by the client at some point. So, insurance companies charge accordingly.
Final expense insurance covers only the costs related with burial expenses, unlike life insurance that provides the policyholder with a lump sum that he can distribute the way he wants.
Expenses covered by final expense insurance include the burial plot, burial clothing, and the coffin. This is primary information that an agent searching for final expense insurance leads should know. Funeral prices continue to rise and a $15,000 burial policy purchased today may not be able to cover the funeral bills when the time comes. These types of policies are individualized, so you can include most items with them, unless your plan comes with a specific price ceiling.
Some consumers cannot afford, or perhaps don?t want to pay for final expense insurance. In these cases, a life insurance policy may be used to pay for funeral expenses. Since final expense costs keep on rising, the life policy should take into consideration that final expense costs may take up a big portion of the life insurance proceeds that their family will get.
Another factor that agents should warn their prospective clients about is the danger of scams in final expense insurance. While it seldom occurs, scams in the funeral industry do happen.
One common scam that agents should warn their prospects is where a company says it will provide burial benefits for at an attractively low fee, then after paying the premiums, the customer can?t find the company anywhere. This leaves family members to foot the bill.
Controversies abound in the funeral industry, particularly allegations that elderly fold are tricked into forking over large premiums that they will never get back in benefits. These events led Florida and other states to ban the policies altogether.
Trustworthy agents can give good advice to their prospects in this area by providing them a form of protection. They can check with the Better Business Bureau to see if the company providing final expense insurance is really who they claim to be.
Agents can be a valued resource for prospects when they sell final expense insurance as consumers prepare for the inevitable.