--- title: How Med Supp Agents Can Fill the Final Expense Need description: Life insurance can seem complicated. And sometimes it truly is. My mission is to bring you little bits of helpful information to make life insurance sales simple. Your client is meeting with you to purchase a Med Supp, and you’ll ask a simple question that can double your sales... image: https://blog.newhorizonsmktg.com/hubfs/NH-How-Med-Supp-Agents-Can-Fill-the-Final-Expense-Need.jpg --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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And sometimes it truly is. My mission is to bring you **little bits** of helpful information to make life insurance sales **simple**. Here’s the scenario: Your client is meeting with you to purchase a Medicare Supplement. During the appointment, you’ll ask a **simple question** that can **double** your sales: “Do you have your final expenses covered?” Most individuals don’t realize the cost of funerals these days, so you get to take a moment to educate them that the average cost of a basic funeral is around $10,000. From here, your biggest fear might be that **they’ll say “yes.”** - What now? - What’s the underwriting like? - What’s the price of this going to be? - Am I in over my head? **I’m going to make things easy.** There are 3 types of life insurance that are perfect here if your client says “yes.” (**Premium examples** are included at the end of this article.) 1. Basic final expense 2. Participating whole life 3. Single premium whole life All three applications are **simple**: 1. The application is **almost identical** to a Med Supp app. 2. There are **no exams** for face amounts less than $20,000. (Most policies fall in this range.) 3. The Med Supp-esque application and the phone interview take care of the **underwriting**. This makes your life incredibly **easy**. You can keep doing what you’re doing – selling Med Supps like a champ – while **expanding your briefcase** to include this final expense option.   Let’s compare the three final expense options from a high-level view: |   | Payment method | Benefit amount | Cash value | | --- | --- | --- | --- | | **Basic Final Expense** | Monthly, Quarterly, Semi-Annually, or Annually | Stays the same | Builds up slowly | | **Participating Whole Life** | Monthly, Quarterly, Semi-Annually, or Annually | Increases a little over time | Builds up moderately | | **Single Premium Whole Life** | Lump sum upfront | Increases the most over time | Builds up quickly | To give you an idea of the **costs** your client might pay for each type of insurance, here are some examples for a male and a female. ### Male, Issue Age 65, Non-Tobacco, 10k policy |   | Payment method | Initial Death Benefit | Death benefit over time | | --- | --- | --- | --- | | **Basic Final Expense** | $44.82/mo | $10k | Stays the same | | **Participating Whole Life** | $42.34/mo | $10k | Increases each year | | **Single Premium Whole Life** | $10k upfront | $17,228 | Increases each year | ### Female, Issue Age 65, Non-Tobacco, 10k policy |   | Payment method | Initial Death Benefit | Death benefit over time | | --- | --- | --- | --- | | **Basic Final Expense** | $37.32/mo | $10k | Stays the same | | **Participating Whole Life** | $35.42/mo | $10k | Increases each year | | **Single Premium Whole Life** | $10k upfront | $18,919 | Increases each year | **Want some coaching to get started? [Email Kirk Sarff](mailto:ksarff@nhmteam.net?subject=Final%20Expense%20Article), the head of the Life Department for more information.** [Final Expense](https://blog.newhorizonsmktg.com/tag/final-expense) ## Comments ## Read On [![31 Best Questions to Ask Life Insurance Prospects Ages 60+](https://blog.newhorizonsmktg.com/hubfs/BlogImages/NH-31-Best-Questions-to-Ask-Life-Insurance-Prospects-Ages-60+.jpg)](https://blog.newhorizonsmktg.com/31-questions-to-ask-life-insurance-prospects-ages-60-plus) ### [31 Best Questions to Ask Life Insurance Prospects Ages 60+](https://blog.newhorizonsmktg.com/31-questions-to-ask-life-insurance-prospects-ages-60-plus) Life insurance is not only a great way to increase your income, but it's a wonderful solution for... 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