Final Expense Live Transfers

That Actually Convert – Pre-Qualified, High-Intent Prospects in Real-Time

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What Are Final Expense Live Transfers?

Final Expense Live Transfers are real-time phone calls that connect you directly with interested prospects who have been pre-qualified and are ready to speak with a licensed insurance agent. These are not cold leads, random calls, or form submissions.

  • They are real people who expressed interest in final expense insurance—either recently or in the past—and have now re-engaged through a warm outbound call.
  • At US Leads Agency, we specialize in delivering high-converting, buffer-protected live transfers tailored to insurance agents and agencies across the U.S. Our process ensures you spend more time selling, not prospecting.
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Why Live Transfers Outperform Traditional Leads

Most agents who’ve worked with static leads know the pain of:

  • Endless voicemail drops
  • Unanswered follow-ups
  • Leads going cold within hours
  • Poor contact rates
  • Talking to people who forgot they even opted in
Live transfers eliminate these barriers.
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Here’s why they’re better

1

Instant Engagement

No delays. The prospect is already on the phone.
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2

Pre-Qualified

You only speak to people who meet key criteria.
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3

Warm Conversation

Builds rapport quickly for higher conversions
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4

Decision-Ready

Prospects are mentally prepared to discuss insurance.
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5

Saves Time

No more chasing down unresponsive leads.
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Where Our Calls Come From: Diverse, High-Intent Sources

We pride ourselves on sourcing only from verified, compliant, and intent-rich data streams. Our multi-layered strategy ensures lead quality and volume. Lead Sources We Call From:

01

Internet-Generated Leads

People who filled out life insurance or burial coverage forms online in the last 3–12 months. We revive these inquiries with a personalized call.

02

Aged Telemarketing Leads

From previous campaigns where a prospect expressed interest but wasn’t closed—ideal for re-engagement

03

Aged Internet Leads

These are data-backed users who engaged with final expense offers online but didn’t convert. They’re older than fresh leads but still highly convertible.

04

Opt-In Lead Lists from Partner Networks

We work with ethical data partners to access aged opt-in lists, verified and scrubbed.

05

Campaign Retargeting Lists

Based on past tele-campaigns and remarketing data, we build fresh lists to call those who were once “almost ready.”

Our Qualification Process Before Transfer

We don’t just call and patch. Our call reps follow a strict qualification script to make sure the person on the other end:
  • Meets the age criteria (50–85 preferred)
  • Is mentally and financially prepared to discuss insurance
  • Is open to bank payments (e.g., checking account or debit card)
  • Is in acceptable health (not terminal or in a nursing home)
  • Is the decision-maker and not just browsing
  • Has a valid beneficiary in mind
  • Is willing to listen and make a decision today
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Sample Questions We Ask

  • “What state do you currently live in?”
  • “May I ask your age, please?”
  • “Have you thought about how much coverage you might need?”
  • “Who would be the beneficiary of the plan?”
  • “Do you currently have a checking or savings account?”
  • “Do you have any major health concerns or are you in a care facility?”
  • “Are you the person who would decide on a policy like this?”
  • “Are you open to hearing about options from a licensed agent now?”
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Buffer Time Advantage: 120 & 180 Seconds to Protect Your Time

// What is Buffer Time?

Buffer time is a grace period at the beginning of the call that allows you to talk to the lead and exit the call for free if the lead isn’t a good fit. We currently offer:

  • 120-second buffer
  • 180-second buffer
This gives you the chance to confirm the lead’s interest and move forward only if it makes sense.
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Why Agents Love Buffer Time

  • You can exit early if the lead is not interested.
  • No need to pay for bad fits.
  • Build rapport and confirm readiness without pressure.
  • Ideal for high-volume agents who need efficiency
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How It Works

If the lead says they’re not interested, you can end the call within the buffer window—and you won’t be charged.
If they are interested, continue with:
  • Health questions
  • Bank draft details
  • Coverage explanation
  • Policy presentation
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How the Transfer Call Works: Seamless, Efficient, and Powerful

Here’s how a standard final expense live transfer plays out from start to finish:

Our Agent Dials the Prospect

 Using vetted leads, they introduce the reason for the call.

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Qualification Script is Followed

All major questions are asked, and only qualified prospects are considered for transfer.
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Warm Introduction Happens

“Great, I’m going to connect you with a licensed agent who can help. Please hold.”

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You Join the Call

You’re introduced by our agent, and your buffer begins.
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You Engage

You can use the buffer time to confirm their interest and continue the call.
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Live Transfers vs. Other Lead Types: Why Ours Work Better

Feature

Live Transfers

Aged Leads

Web Form Leads

Real-Time Engagement
  • Yes
  • No
  • No
Pre-Qualified
  • Yes
  • Sometimes
  • Minimal
Ready to Talk
  • Yes
  • No
  • No
Call Introduction
  • Yes
  • No
  • No
Instant Rapport
  • Yes
  • No
  • No
Higher Conversion
  • 30-40%+
  • 5-10%
  • 10-15%

Compliance & Legal Assurance: 100% TCPA and DNC Compliant

All calls we make are:
  • TCPA Compliant
  • DNC Scrubbed
  • Recorded for QA
  • Consent-Based
We take legal compliance very seriously to protect both your business and ours.
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Agent Success Tips: How to Close More Final Expense Sales

Want to boost your results from our transfers? Follow these expert tips:

Use their name, express empathy, and avoid sounding robotic.

Reinforce familiarity: “As my colleague just mentioned…”

Don’t overwhelm. Offer 2-3 easy-to-understand plans.

Many seniors are cautious; explain how the draft works in simple terms.

Not everyone will close in one call. Have a warm follow-up process in place.

Pricing, Volume & Delivery Options

We offer flexible plans for every kind of agent:

Pricing (Sample Ranges)

  • 120-Second Buffer Transfers: $25 per call
  • 180-Second Buffer Transfers: $30 per call
  • State-Filtered Transfers: $30 per call

Volume Packages

  • 10, 25, 50, 100+ calls/week
  • State or region targeting
  • Custom peak-hour delivery windows

Delivery Options:

  • Direct call to your CRM or phone system
  • Option to Pause and Unpause Calls
  • Live dashboard to track call stats

Final Thoughts


If you’re looking for a consistent, scalable, and results-driven way to speak with final expense prospects — live transfers are the answer.

At US Leads Agency, we take care of sourcing, qualifying, compliance, and transfer. You just focus on doing what you do best — closing the sale and helping families secure peace of mind.

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Frequently Asked Questions (FAQs)

A real-time call with a pre-qualified individual who is interested in final expense insurance and is transferred to you live.

You can speak to the lead for 120 or 180 seconds before deciding whether to proceed. No charge if you end the call within the buffer.

Yes! You can select state-targeted transfers based on your license or preference

Yes. Each live transfer is 100% exclusive and not shared with other agents.

Typically within 1–2 business days after onboarding and payment setup.

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