Short answer
These guides answer specific questions agents ask before and after they buy calls or leads: what Final Expense and Medicare calls cost, how to vet a vendor, how to sell by phone, how to run an AEP desk and how Medicare marketing rules apply to inbound calls. Each lists its sources and when it was checked.
How do these guides differ from the Learn library?
The Learn library explains concepts such as call buffers, ping post and connected-time billing. These how-to guides are task-based: each walks through one job from start to finish, with arithmetic you can reuse and the rules or published prices it relies on. Regulated topics cite the regulation itself and are general information, not legal advice.
For who these setups suit, see the use cases. For short definitions of the terms used in these guides, see the glossary.
Every how-to guide
How much do final expense leads cost?Published 2026 prices for final expense aged leads, real-time leads, transfers and inbound calls, converted to cost per sale with worked math.How to buy final expense leadsSeven steps to buying final expense leads or calls: choose the product, vet the vendor, size a test from published minimums and track by source.How to vet an insurance lead vendorA vetting checklist for any lead or call vendor: consent proof, written returns, published prices, exclusivity, billing rules and data handling.How to sell final expense over the phoneThe whole final expense phone sale after the opening: qualify, health questions, quote, application, bank draft and follow-up, with rules cited.How many calls per day should a final expense agent take?How many inbound final expense calls one agent can take a day, worked out from talk, wrap and application time, compared with outbound dial math.How much do Medicare inbound calls cost?Medicare inbound call prices from vendors' own sites, how billing thresholds change them, and the math for cost per enrollment.How to run an AEP call deskAEP dates, staffing math for an inbound Medicare desk, the compliance to settle before October 15, and how to buy calls to capacity.Medicare scope of appointment on inbound callsWhen an inbound Medicare call needs a scope of appointment, what replaced the 48 hour rule, and how to record an SOA by phone.TPMO disclaimer requirementsThe exact TPMO disclaimer wording, who must read it, and the 2026 change from the first minute of a call to before any benefits.How to reduce Final Expense chargebacksWhy Final Expense policies lapse early, how chargebacks on advanced commission work, and the steps and arithmetic that lower cost per persisted policy.How to calculate insurance lead ROIFormulas and a worked example for insurance lead and call ROI, including break-even close rate, break-even price per call and the effect of chargebacks.How many states to be licensed in for Final Expense telesalesHow to pick non-resident license states for Final Expense telesales using carrier appointments, time zones, older population counts and NIPR fees.How to start a Final Expense agency from homeA setup checklist for a home-based Final Expense agency: license, appointments, E&O, phone and CRM, a first call budget and compliance basics.Final Expense objection handlingRespectful, accurate answers to common Final Expense objections, the responses that cross the line, and how to practice with recorded calls.Medicare SEPs explained for agents on inbound callsThe Medicare Special Enrollment Periods agents hear on inbound calls, how eligibility is confirmed, which need CMS approval and what to document.How to get Medicare clients after AEPWhere Medicare clients come from after December 7: turning-65 callers, SEPs and your own book, plus the marketing limits on the Open Enrollment Period.How to sell Medicare Advantage over the phoneAn inbound Medicare Advantage call flow built around CMS rules, from recording and the TPMO disclaimer to the needs analysis and a recorded enrollment.