October is Final Expense Gold; Here’s How to Sell More Before the Holidays
October and early November are a sweet spot for life agents. Clients are still in their normal routines, financial conversations feel timely before the year ends, and the holiday distractions haven’t hit full force.
Final expense insurance is one of the most emotionally resonant products you can offer; and now is the time to lean in.
1. Lead With Urgency, Not Pressure
People naturally want to postpone big decisions until “after the holidays.” Get ahead of that mindset:
“Many people want to have their coverage in place before the holiday season, so they can enjoy time with family knowing everything’s taken care of.”
Frame it as peace of mind, not a sales deadline.
2. Use Door-Opening Questions
Simple, heartfelt questions start the conversation:
- “Have you thought about how you want things handled when the time comes?”
- “If something unexpected happened tomorrow, who would handle the arrangements?”
These questions uncover needs without making the client feel cornered.
3. Pair Final Expense With Medicare Appointments
If you’re already meeting with Medicare clients this fall, bring a one-page handout that explains final expense benefits. Many seniors assume life insurance is too expensive; you can show them affordable monthly options.
4. Focus on the Emotional ROI
This isn’t just about covering funeral costs. It’s about sparing loved ones from financial and emotional strain. Use personal stories or client testimonials that highlight the relief families feel when this coverage is in place.
5. Have Your Toolkit Ready
You don’t have time to piece together sales aids in the middle of the busy season. Keep pre-written scripts, objection handlers, and rate charts handy so you can respond quickly to interest.
Free Resource: Final Expense Mini Sales Kit
We’ve built a plug-and-play resource with scripts, one-pagers, and conversation starters to help you close more sales before the holidays.
Download the Final Expense Mini Sales Kit
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