Qualifying for a policy based on health doesn't matter if your client can't afford it.
Before you start writing, you must find out which plans fit your client's budget.
One way you can do this is to ask your client what monthly premium they could afford to pay right now to protect their family later.
If they aren't sure, simply start saying available monthly premium amounts, from highest to lowest. As you announce them, listen to their reactions to see which price is "right."
Another way to prequalify final expense leads based on their budget is to work backward - ask them if they're aware of how much end-of-life services cost.
If not, inform them of the average costs of cremations or funerals. Using a funeral planning worksheet can assist you with this task. Then go over available policy payout amounts based on your client's final wishes, and ask them how much coverage they'd be interested in having.
Conversation starters for prequalifying clients based on their budget
Are you aware that end-of-life services can cost thousands of dollars?
How much premium could you afford now to protect your family later?
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