Selling final expense insurance is a way for insurance agents to offer families and seniors assurance that their medical and funeral expenses will be covered when they pass. Funerals are already overwhelming, difficult times for family and friends. By selling final expense insurance, agents can help families prepare for tragedies and offer relief. The concept of final expense insurance is easy to sell, but it isn't exactly easy to talk about. This is why it's vital to converse with prospective clients and build a rapport to approach the subject.

If you're ready to add this critical insurance to your portfolio, you're probably wondering the best way to reach clients in need and succeed in this avenue. Here are five ways you can sell final expense insurance.

As an insurance agent, creating a diverse portfolio is essential if you want to appeal to various clients. Savers Marketing is committed to supporting agents with high-quality policies for all walks of life. You may have current or potential Medicare-eligible clients but unsure how to manage their benefits to their advantage. 

When building a portfolio as an independent insurance agent, it’s vital to offer relevant policies to clients and provide immediate benefits. It can be difficult for many clients to find home healthcare if they haven’t previously invested in a long-term plan. In addition, medical issues can quickly drown patients in an abundance of fees and provide little comfort in the process. 

Medical expenses can be incredibly costly for your clients, especially if they have frequent medical emergencies. Trips to the hospital typically lead to more out-of-pocket costs for your clients because most health insurance has deductibles and/or copays that must be met.

*Content for this post was provided courtesy of Blue Cross and Blue Shield of North Carolina.

If you’ve ever wondered why health care in America is so expensive, you’re not alone.

As an independent insurance agent, it’s essential to carry products with your client’s best interest at heart. While there are plenty of healthcare and life insurance products in today’s market, few of them cover end-of-life and emergency expenses. On average, over 98% of Americans outlive their term life insurance coverage, so as their agent, it’s essential to find a policy that fits all of life’s circumstances.

More people are thinking ahead about their healthcare in today’s society, especially regarding a health scare or significant life event. In particular, seniors are looking for additional healthcare protection, especially in the event of a health emergency. The risk of stroke, heart attack, or a fall can be incredibly problematic and scary for your senior clients - not to mention these events typically mean they’ll be forced to stay and pay for an assisted living facility and therapy if something happens.

If you have clients enrolled in Medicare Advantage, they usually need additional medical coverage and support. The burdens of unexpected medical bills or emergency room visits can quickly drain clients financially. In the end, they need a plan that provides them the opportunity to save before a severe medical expense - and that’s when a Medicare Medical Savings Account plan can be a reliable asset.

As an independent insurance agent, there are certain products senior clients need to feel reassured about their healthcare and future. While Medicare Supplement and Medicare Advantage plans are essential in the senior market, there's one other product in particular they can genuinely benefit from - final expense insurance.