Final Expense Insurance can Provide you Peace of Mind

Final expense insurance is a unique form of insurance for seniors, but can sometimes be understated in its power of security. Understanding all the benefits, such as, knowing that when they have passed away, their memorial and funeral costs will all be taken care of. And that this type of insurance may also be used to aid in any medical expenses or other financial obligations, are all compelling reasons to have this type of insurance.

There are a variety of advantages to acquiring this sort of insurance. Remind your clients to "Imagine the peace of mind it will provide you and your loved ones knowing that your final expenses will all be taken care of. Since this will undoubtedly be an incredibly difficult period to deal with, the security in knowing that these expenses will be one less item for your loved ones to worry about is a relief.

Here are some other reasons that Final expense life coverage is a valuable investment. One advantage to your final expense insurance is that a percentage may also be used as a way to provide a charitable gift to someone or perhaps there’s a special charity you have always liked. You will be able to use part of your insurance to donate to this organization.

People will be happy to know that final expense coverage could also be used to leave funds behind for your grandchildren or other family members. Another great use of final expense insurance is to help begin a education fund for your grandchildren, this would be a great way to ensure they are going to have a bright future ahead of them!

Scope of the Market for Final Expense

The fact is that 90% of senior citizens feel that pre-planning a funeral is a good idea, however, only 12% have done so. This is the market that Securus is poised and positioned to tap into and dominate. In fact, we are doing so already!

The number of Americans age 55 and older will almost double by 2030 from 60 million today to 107.6 million. This segment of our population will represent a staggering 31% of the population in the United States!

These statistics are proof positive for the need for Final Expense Planners in the future and this will spearhead the incredible opportunity available to Securus representatives.

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Agents can feel good about Final Expense Products

It's hard enough to lose a loved one: A parent, brother or sister. It is even more difficult when loved ones are left to pay expenses associated with a funeral because of the lack of planning. Social Security pays only $255 for the expenses associated with a funeral. (The average funeral expenses $7,323.00 which is up 45% from 2001.)
As of today, the average funeral is now in excess of $8,000.00! These expenses do not even include plots, markers or flowers. Any unpaid funeral costs and balances are usually paid by the surviving spouse or children. Even worse, if a major illness were to present itself or a nursing home were to become involved, a family's savings could be wiped out in minutes. This could leave a surviving spouse or children with a huge financial burden. With proper Final Expense planning, we can protect families for pennies on the dollar.

Agents wondering if what your doing is helping others, look no further. Not only are you supporting your family, your supporting other families and easing the burden.

Americans Living with Disabilities and Technology

Our aging population, which is currently estimated at 20,000 a day turning 65, is an astounding statistic. This population is quickly becoming the majority and will be seeking to provide comfort and insurance for their families.

The elderly population also has disabilities that can interfere with their day to day activities, however only 2% of American adults say they have a disability or illness that makes it harder or impossible for them to use the internet. This provides a great outlet for those who cant take advantage of what others take for granted. Most of those who have the added insurance and ability to work from home can at least turn to the web for a source of income.





Americans living with disability and their technology profile | Pew Research Center's Internet & American Life Project

Seniors Online - why is grandma "friending" me?

The web has been in full swing now for 15 years. The thing nobody understood at first and thought was a fad, now is the focal point of our lives, for a majority of us. It is where we look for advice, news and recommendations. That means it is now where we go to decide on purchasing - or at least a huge influencer. They find information on insurance, final expense, health related items and financial planning.

But now I see my grandparents getting totally involved in the web, social networking and communicating online. It makes sense. They have the time to do it and its not so intimidating as it once was.

The Pew Internet organization has released data regarding seniors and technology usage. You would be surprised at how your mom, dad and grandparents are using the internet and mobile devices. I expect these numbers to grow exponentially as well as there are 20,000 people turning 65 every day in the US alone.

The Pew Internet data shows that:

• Cell phones are by far the most popular device among American adults. Some 85% of adults own cell phones, and 90% of all adults—including 62% of those age 75 and older—live in a household with at least one working cell phone.
• Desktop computers are most popular with adults ages 35-65, and Millennials are the only generation that is more likely to own a laptop computer or netbook than a desktop: 70% own a laptop, compared with 57% who own a desktop.

Facebook says the fastest growing population right now is women over 55. So I would expect all of you to get a special invite soon :)

Online Selling Tips for Final Expense Insurance

Selling life insurance is a solid business model and has been a stable marketplace through many economic situations, and final expense insurance is a good way to start. Insurance agents often overlook this aspect of selling insurance. While it allows you to be nimble and lucrative, it gives you a foot in the door. If you are already selling final expense insurance, there are several ways to enhance your selling techniques with online strategies. If you are interested in staying in front of your competition, see a few steps below to keep you internet savvy.

 

• Create a personal website.
  
  
  If your current agency doesn't offer you one, then you should have your own professional website. Some agencies offer leads online, as well as web space for your own personal website (a page or two). Take advantage of this if you can. They have already developed a lot of the ground work by;
  
  • Setting up the domain name
    
  • Building out the brand website and infrastructure
    
  • Optimized the site for SEO
    
  • Built the online tools for you to use
    
    
• Use a lead producing agency. These companies work to get people to submit their information on a website and through direct mail. The leads that are qualified will have provided interest in obtaining life insurance. Qualified leads are one of the most critical pieces and the web has really been able to segment and identify quality leads. As a reference Securus offers all these services at www.securusfinalexpense.com
  
  
• Join an existing agency that provides the online support as well as offline. The marketing infrastructure that these agencies have set up should be strong in both
  online marketing as well as quality leads. Look to see what ones offer the leads, training, an online presence, and support for your business.
  
  
  
  Happy selling and get creative online!
  
  Visit us at www.SecurusFinalExpense.com for more information.
  

What is the definition of a quality FINAL EXPENSE LEAD program?

Final Expense Lead Programs are a dime a dozen. There are many different lead generation companies that claim they can supply you with a steady flow of leads. However, if you talk to Securus Final Expense, you will find an outstanding well managed company that provides a whole new experience.

Securus Final Expense not only provides a solid lead program, Securus also provides a robust Training University, back-end support and many other value added services.

Securus provides unique Final Expense leads that have been double verified by our proprietary ride-along survey in addition to the prospect completing the lead and returning it to us in their very own handwriting.

When it comes to a career in the Final Expense marketplace, Securus offers a complete solution. Our staff is dedicated to your success.