Selling Final Expense and Mortgage Protection

Learn what final expense life insurance is, how big the market is, the three benefit designs, who it fits, and why pre-need funeral contracts are a different product with their own rules.

Learn the honest way to sell mortgage protection: how agent-sold term life differs from lender mortgage life, why PMI isn't life insurance, level versus decreasing coverage, return-of-premium term, and the naming rules for ads.

Learn an honest final expense presentation at the kitchen table and by phone: how to open, state senior rules, the fact-find, plain disclosures, family involvement, and why you never pivot from a Medicare appointment.