Final expense calls from seniors who asked to be called
Age-verified, state-routed, and screened before your agent picks up. The vertical where compliance matters most.
A vulnerable audience. We treat it that way.
Final expense buyers are typically between 50 and 85, often on a fixed income, and motivated by not wanting to leave funeral costs to their children. Face values are small — usually $5,000 to $25,000 — and the conversation is personal.
This is also the vertical where the industry has the worst reputation, and where regulators pay the closest attention. Aggressive outbound dialling to seniors is exactly what TCPA enforcement was built to stop. Everything we deliver here comes from our own campaigns, with named-party consent captured before the call ever routes.
Practically, that means lower volume than a dialer campaign would produce and a materially better conversation when the phone connects. Agencies that have moved from purchased senior lists to inbound final expense typically report the same thing: fewer contacts, far more applications.
What puts final expense on someone's to-do list
These are the moments our campaigns are built to catch. Intent is highest within days of one of them.
Death in the family
Having just paid for a funeral is the most common reason a senior starts shopping.
Reaching a milestone age
Turning 65, 70 or 75 prompts a broad review of end-of-life planning.
Health diagnosis
A new diagnosis creates urgency to secure cover while still insurable.
Fixed income planning
Retirees budgeting carefully want a predictable premium they will not outlive.
Group cover ending
Employer or association life cover lapsing at retirement leaves a gap.
Family conversation
Adult children raising the subject often prompts the parent to make the call themselves.
Filters available on this vertical
Applied before routing, so a call that fails any of them never reaches your agents.
- Age band — typically 50–85, set your own range
- State — routed strictly to your licensed footprint
- Coverage amount sought
- Existing coverage — none, some, or replacing
- Tobacco use
- General health tier — self-reported
- Medicaid status where relevant to product fit
- Business hours — with strict senior-friendly call windows
Where final expense calls come from
The channel mix we run for this vertical, in rough order of volume.
- Meta Ads — by far the strongest channel for this demographic
- Google Search — burial and funeral cost keywords
- Native advertising — long-form editorial on funeral planning
- SEO content — state-level burial cost guides
- YouTube — explainer video with call-in prompts
- Direct response TV overflow — inbound only, where available
Three delivery formats for final expense
Inbound calls
Consumer-initiated calls routed live to your floor. Billed on your duration buffer only.
Pay per callWarm transfers
Screened against your filters and introduced by name before the handoff completes.
Warm transfersReal-time leads
Form submissions posted to your CRM in seconds with the consent certificate attached.
Pay per leadFinal Expense — what buyers ask us
Get final expense pricing today
Send your licensed states and target daily volume. We will confirm what we can actually fill and what it costs — same business day.
Final Expense — request pricing
Tell us your vertical and coverage states. We reply the same business day with live volume and per-call pricing.