Our Contact Info: Phone #: 7322265535 and 7322268721 Web: https://www.usfuneralexpenses.

net

Location: Phoenix AZ. and West palm beach. FL

Step 1 Greeting
Step 2 Presentation
Step 3 Offer Incentive and discounts
Step 4 Knockout Questions
Step 5 Underwriting
Step 6 Carrier Medical Questions
Step 7 Pitch options
Step 8 Data entry

Greeting:
Thank you for holding this is Shaun Murphy with US funeral Expenses, who do I have the pleasure of
speaking with today?

WARM TRANSFER

Hi Mr./Mrs. (Customer NAME) How are you doing today?

Great..
Now, before we get into the insurance part (Customer NAME), let me give you some of my details, like
who I am, what I do, and then the plans and benefits that you qualify for… and then you can tell me
what to do next.. . . . . . . Okay?

I am the Senior benefit coordinator and what that means is that I am the decision maker who will help
you identify all of the discounts and programs that YOU qualify for. Also, any plan that we will discuss
today will have a 100% of acceptance ratio and we will offer maximum benefits with minimum possible
premiums… OK

These plans are designed to cover 100% of your burial, cremation, or any other final expenses and are
usually paid out within 24- 48 hours of notification which takes the huge burden off of your family.
Now, as a Senior Benefits coordinator, my job is to ask you some basic questions that will allow me to
determine which plan is best for you. It will save you the headache of having to do all of the research
yourself, All right?
If you don't mind me asking, what made you think of buying this final expense coverage today?

have you ever experienced any close family member or a friend passing and you had to deal with the funeral or
final arrangements?

If YES:

Was it someone close? Oh, I am so sorry to hear that (carry on with the conversation and it’s the best time to
create urgency sympathize with them)

If NO:

I am glad you have not had to deal with that. (Tell a story)
But would it be safe to say that neither of us would want to leave that burden on our families or loved ones. Would
you agree?

Now before we go ahead, let me ask…

>>Are you looking to setup this coverage for yourself only or for a loved one as well<<

Myself – Great, I will be making sure to get you the best exchange of your money today

Loved one as well – Awesome!! I will be making sure to qualify you for an additional spouse discount

NOW There are a few incentive-based discounts that you/they might qualify for that I would like to
review.

1. Have you been a resident in the state of ________ for at least 12 months? –
Awesome!!! Where were you born in btw???
2. Do you currently receive Social Security, Disability, or Veteran Benefits?
How long have you been retired?
3. And lastly, do you use a Traditional Bank or a Credit Union or a DIRECT EXPRESS CARD (5332 or
5115)? Okay,
(Green DOT card, META BANK CARD, Nets-pend Card, CHIME CARD) once you get the card number,
connect the customer with the bank 3-way.

Awesome!!!! You are now getting a discount of almost $15 - $20.. how does this sound to you?

>>As you know these life insurance policies are completely dependent on your age, your health and a
few other factors, so let me ask some basic questions that will help me customize the plan for you.. <<

Now - Before we get in to the information part, I would like to let you know that all personal and
health related information collected today is completely confidential and protected under THE
Federal HIPPA Laws and FEDERAL PRIVACY RULES. With this being said, The information gathered
today will only be used for application underwriting purposes. I will ask some basic health questions
and I’ll read these question in full and you can just simply answer with YES or NO, okay?
>>>>>>>>>>>>>>>>NOTE - If any of the below question is answered YES, PROCEED with writing (AIG/Corebridge)

Do you currently have:

1. Any confinement due to any disease, or Hospitalization?

2. Any use of Oxygen or Hospice care
3. Any Cancer or need assistance with daily activities?
4. Any breathing issues, or brain issues or issues with your liver?
5. Any Organ Transplant or Kidney dialysis
6. Any AIDS or HIV

All NO - Great, seems like you are in good shape! (Proceed to Underwriting)

If Yes – Not an issue as we have 100% acceptance with the insurance companies, I will still be able to get you one of our top
tier plans. (Proceed with GI Plan)
Underwriting Section:

 Are you taking any prescribed medications?

 Well, (Customer Name) do you have any other health issues apart from what I asked?
 What medications were you taking before which you are not taking now?

Get a full list of current medications and ask how long they’ve been taking it
Google the medication names and put everything on toolkit

Ok now what is your height and weight…

Put customer’s State in toolkit

And your DOB is: ___________________

Put face amount on the toolkit

Are you a smoker or a non-smoker?

PUT ALL THIS information on toolkit and search for the options
Once you get the options, hit compare and pull your carrier medical questionnaire sheet

>>>>>READ THE CARRIER SPECIFIC MEDICAL QIUESTIONS form Carrier Sheets<<<<

Congratulation (Customer Name) You have been qualified for 3 plans, Let me go over the benefits
that you will be getting with these plans first and then we can customize the plans as per your need.

1. The plan is guaranteed for the rest of your life

2. Your plan can never be cancelled once we lock your rate in and get you approved

3. Both the Benefit and the Premium stay the same. You don’t have to worry about the payment
going up or the Benefit ever going down

4. They do not require any Physical Exam, no blood testing, and we don’t need to send you to the
doctor for any reason or have a nurse come out to your house.

5. Because this a state regulated program, you will not have to pay for this plan today, we can
wait until the next time you get paid. Do you typically get paid on the 1st, the 3rd or every other
Wednesday?

6. This plan also will work as a savings account that will generate cash value tax free which can be
accessed for any emergencies.

Grandchild Rider:
I'd like to inform you about an additional benefit we offer with our insurance policy – the
Child/Grandchild Rider. This rider provides extra coverage specifically for your grandchildren or children,
ensuring their financial security in the future.

If RNA:

- For just additional $5 a month in total, you can provide $5,000 of life insurance coverage per
grandchild for all of your eligible grandchildren.
If Aetna:

- This rider allows you to extend coverage to your children, stepchildren, grandchildren, and
great-grandchildren. You can choose following coverage amounts.
a. $2.500 for $0.66
b. $5,000 for $1.31
c. $7,500 for $1.97
d. $10,000 for $2.63
If AmAm:

- For just $2 per month per child, you can ensure $10,000 of life insurance coverage for eligible
grandchildren and great-grandchildren.

Now check for the eligibility of the customer and pitch accordingly:

Common Qualifications: (Pitch according to the toolkit)

IF Level/Standard/Preferred:
You qualify for our Golden day 1 coverage, what that means is if something happens to you after making your
first payment, your beneficiary will get full benefit amount of the policy.

IF Graded:
You have been conditionally approved for a GRADED DEATH BENEFIT which means that for the first year you
will get 30% of the death benefit and for the 2nd year you will get the 70% of the death benefit and after 24
months it will be 100% coverage.

IF GI/Modified/ROP:
You have been conditionally approved for a Modified/Guaranteed Issue Whole life insurance which means
that for the first 2 years you will get 110% of the premiums paid, less any outstanding loan amounts. The 3rd
year will be 100% of the coverage, less any outstanding loan amounts, and in case of any accidental death in
the first 2 years, you will get 100% coverage.

Now as I said, you qualify for 3 plans which are:

Option 1- with a benefit amount of $_____, and we will need to set aside $95 - $100 per month.
Option 2- with a benefit amount of ______, and we will need to set aside $80 - $85 per month.

Option 3 - with a benefit amount of $_______, and we will need to set aside $70 - $75 per month.

Now which one of these last gifts of love would you like to leave behind for your loved one?

Let them choose…….

This is a GREAT Choice!

➢ Now who would you like to be the beneficiary of the policy?

➢ What is your middle initial Mr./Mrs./Ms. (Customer’s First Name)

➢ Now Mr./Mrs./Ms. (First Name), I am going to put your information into the system, so if you
hear me typing or if I’m going a little slow that’s the reason why, okay?

➢ What address would you like us to mail the policy to? What is the zip code?

➢ What is your doctor’s name or the nearest hospital? (Google Address)

➢ I have your height as_____ and your Weight as_______. ➢ I have your Date of Birth as_____
which makes you _____. ➢ The Plan type is______ and the premium is _________.

➢ What State were you born in?

➢ For the claims and underwriting purposes, What is your social…………

Now the easiest way to set this up is with a checking or savings account. Who do you do your
banking with (Customer’s First Name)? We do a lot of business with this bank…. Give me a second
while I pull them up in our system (Google their routing number). By the mean time you can go and
grab your cheque book so we can put the information on the application……

After you have it pulled up - Mr./Mrs./Ms./ _________ I was able to find their routing number. Can
you do me a favor and confirm that I have the correct number?

Great, if you look at the bottom of your checkbook, you’ll see the first 9 digits at the bottom left-
hand corner. That is your routing number.

And Mr./Mrs./Ms.____________, the numbers to the right after that would be your account
number, can you verify those for me as well?

Draft Date: (Always should be according to SS billing date)

When do you typically get paid every month? The 1st, 3rd or every other Wednesday of the month?

Great!!! I will put your first draft date on the day when you are getting paid the next time…

Put the draft date as SS billing date

Thank you so much for the information and time, I am done with my part and I am going to put this
application to the underwriter for further proceedings, so just hold on for a moment…ok/// make
 sure once everything is done, they provide you with your policy number…. With the policy number
you will be able to track your policy online as well. Aright!!!

Now you are done with your application and you need to announce the deal for the validator….

How to connect to the validator:

Step 1:
Announce the deal in the Work Validation Skype group>>
Format: (Customer Name) – State – Carrier – Premium

Step 2:
Wait for the validator to respond back>> they will ask you to drop the deal. Drop from CRM and assign
the lead to them (sent for processing>> Choose Processor Name from the dropdown).

Step 3:

Wait for the validator so they can review the deal and connect to them via dialer(select Allan Validation
and check the consultative box – now hit dial with customer) once they ask you to transfers.

You need to read all the disclosures and the below mentioned statements by the mean time the
validators are reviewing the application

HIPAA DISCLOSURE I would like to let you know that all personal and health-related information
collected is completely confidential and protected under federal HIPPA laws. What this means is that
none of your medical information will ever be disclosed without your prior written authorization unless
required by law. I'm letting you know this for your personal security, and I like to make sure that I let
everyone know that protecting their personal information is a priority for us.

FRAUD NOTICE Any person who knowingly presents a false or fraudulent claim for payment of a loss or
benefits or knowingly presents false information in an application is guilty of a crime and may be subject
to civil fines and criminal penalties.

ADB DISCLOSURE - I would also like to inform you that in addition to all of the other features and
benefits with your policy is a standard accelerated death benefit rider. In the event, you were ever to be
pronounced terminal by your physician the full benefit we are applying for today would be available to
you before you actually passed away. In which you could arrange your own final expenses or even take
your family on a final vacation to build lasting memories. Okay?

For Live:

Now I will connect you with the underwriter they will verify the information to ensure that all the
information I provided is legitimate. They’ll ask you few medical questions and provide you the
policy number, let me bring her in.
 Or

If a callback:

We have an overwhelming response and your policy is being reviewed it might take 30-40 minutes
until I have my underwriter available for you. So, I am going to call you in 30 minutes, make sure you
answer the call AND you have my number if you don’t hear from me in 30 minutes, please call me
back.