Final Expense Leads
Final expense leads that were spoken to, not scraped
Final expense sells on trust. If the first thing a senior hears is a robocall, or the fifth agent this week reading the same script, you have lost the sale before you quote. We reach prospects ourselves, have a real conversation about whether they have any cover in place, and only pass over the people who agreed to speak with a licensed agent about burial or funeral cover.
Pearl Lemon Leads USA produces final expense leads for independent agents and agencies across the US, on both a booked-appointment and live-transfer basis.
What gets qualified before you speak to anyone
- Age band, and whether they fall inside the carriers you write
- Existing cover — none, lapsed, or an old policy they think is too small
- Who the cover is for, and who would handle funeral costs today
- Broad health context, so you know whether simplified issue or guaranteed issue fits before you dial
- Budget comfort per month, and a confirmed time to talk
Prospects who say they are not interested are left alone. Repeatedly working an unwilling senior is how agencies end up with complaints, not commission.
Booked appointments, live transfers and aged data
Booked appointments
A scheduled phone or in-home appointment in your own calendar, with notes on cover, family situation and budget so you can prepare the right carrier.
Live transfers
We hand the call to your licensed agent while the prospect is engaged — the highest intent option, and the one that suits call-centre teams best.
Aged final expense data
Previously interested seniors worth re-approaching at a lower cost per record, labelled honestly as aged rather than sold as fresh.
Working with family decision makers
A large share of final expense decisions involve an adult child. Where that is the case, our callers note it and set the appointment at a time when both can attend, which avoids the classic dead end of a great first conversation that stalls because a daughter or son needs to approve it.
Compliance and how we treat seniors
No robocalls, no pretending to be from a government programme, no pressure on people who are clearly confused or unwell. Our callers identify themselves, explain why they are calling, honour removal requests instantly, and keep records of consent and contact history that your compliance team can audit.
How the campaign is set up
We confirm your licensed states, carriers and appointment capacity, then build the targeting and script. You get daily delivery, call notes or recordings, and a weekly review of set rate, show rate and placed policies so the targeting sharpens as your own results come in. Campaigns are quoted per client against the cost per placed policy you need to hit.
Frequently asked questions
Are final expense leads exclusive?
Exclusive leads are generated for your campaign only and never resold. Aged data is always labelled as aged.
Do you book in-home appointments or phone appointments?
Both. Most agents now prefer phone appointments, but we will set in-home visits where you work a defined territory.
Can you screen for health conditions?
We gather broad health context so you know whether simplified or guaranteed issue is the likely fit. Underwriting decisions stay with you and the carrier.
Which states do you cover?
Any state where you hold a licence. Targeting is restricted to your licensed footprint.
How much do final expense leads cost?
Pricing depends on lead type, states and volume, so it is quoted per campaign against your target cost per placed policy. Book a call for a firm number.
Plan your final expense pipeline
Tell us your licensed states, the carriers you write and how many appointments you can genuinely attend each week. Book a call or phone +1 650 278 4421.
