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How do I qualify a final expense caller in 90 seconds?

Last updated Oct 10, 2026

Short answer: use the 90-second billable timer as your qualifying window. Confirm the caller's state, age (roughly 50–85), an active checking or savings account, and that they know the coverage is paid. If they don't fit, end the call politely before 90 seconds and you aren't charged; stay on past 90 seconds and the call is billable, even if the caller turns out to be unqualified.

What should I have ready before calls start?

• Your list of licensed states
• The hours you set for taking calls
• This script open on your screen

What do I need to confirm before the timer runs out?

• State: the caller is in a state you are licensed in or operate in.
• Age: roughly 50 to 85 for final expense.
• Bank account: an active checking or savings account. Ask only whether they have one, not for account numbers.
• Paid coverage: they understand this is coverage they pay for, not something free.

These are the same checks on what calls you don’t pay for.

What is a second-by-second screening script?

1. 0–20s
   Greeting and stateThanks for calling, this is [your name], a licensed agent. So I can help, what state are you calling from today?
2. 20–45s
   AgeAnd may I ask your age? Final expense plans are built for certain age ranges.
3. 45–70s
   Bank accountDo you have an active checking or savings account? Just a yes or no is fine.
4. 70–85s
   Paid coverageJust so we are on the same page, this is coverage you pay a monthly premium for. Is that what you were looking for?
5. 85–90s
   DecideAll four fit: keep going. Any one does not: use an exit line and end the call before 90 seconds.

Do not quote a price or a premium, and do not promise coverage or approval inside the window. Those come later, after you know the caller fits.

Can I copy or print the script?

Yes. Select the block below, or print this page; the script prints without the menus.

0–20s  GREETING + STATE
"Thanks for calling, this is [your name], a licensed agent.
 So I can help, what state are you calling from today?"

20–45s AGE
"And may I ask your age? Final expense plans are built
 for certain age ranges."

45–70s BANK ACCOUNT
"Do you have an active checking or savings account?
 Just a yes or no is fine."

70–85s PAID COVERAGE
"Just so we are on the same page, this is coverage you pay
 a monthly premium for. Is that what you were looking for?"

85–90s DECIDE
All four fit -> keep going.
Any one does not -> exit line, end the call before 90 seconds.

How do I politely end a call with an unqualified caller?

What do I do with a qualified caller?

Once all four checks fit, the call is billable after 90 seconds and the rest of the conversation is yours. Learn what they want the coverage to do, who they want to protect, and their health history, then look at products they may qualify for. Approval and rates are set by the carrier, so don't promise either. Results vary by agent, script, product and market.

What changes on a live transfer or an elite live transfer?

A live transfer is billable after 2 minutes and an elite live transfer after 3 minutes. The four checks are the same. If the transfer agent already shared the caller's details, confirm them ("I understand you're in [state], is that right?"); otherwise ask all four. Make your decision before the timer for that call type. See what a billable buffer is.

What happens with dead air, duplicates and wrong numbers?

Dead air or silent calls, duplicate callers (the same caller calling again) and wrong numbers are not billed. If you think a call was billed by mistake, contact us about that call.

What does a billable call cost?

$45 to $65 per billable call, depending on volume, states and call type, paid from prepaid credits. See pricing, and compare vendors' billing rules in the final expense call vendor roundup.