Final expense inbound calls

How inbound calls work

We run a phone number for people asking about final expense coverage. When someone calls it, we look at their area code to find their state, then ring an agent who is live in that state and has an open call order. That agent’s verified phone rings.

Before the call connects, you hear a short message with the caller’s state and the price. Press 1 and you are talking to the caller. Don’t press 1 and the call moves on to the next agent. Nobody at our end screens or warms up the caller first.

Inbound calls vs. live transfers

The two get mixed up, but they are different products. Ours are inbound calls, not live transfers: nobody hands the caller to you.

What to say once you press 1 is in our inbound call script, and answers to common objections are in final expense rebuttals.

What a call costs

A call you take uses 10 tokens if it lasts 90 seconds or more, counted from when you press 1. Shorter calls are free. A lead uses 5 tokens, so one billed call costs the same tokens as two leads.

Tokens come from the same packs as leads and cost $6 to $8 each depending on pack size, so a billed call costs $60 to $80. That is twice the $30 to $40 a lead costs. There is no separate plan or monthly fee. See pricing for the packs.

Load tokens, then order calls

Your tokens sit in your wallet until you place an order. On your dashboard you order leads, live calls, or both. For example, with 250 tokens you could order 40 leads (200 tokens) and 5 calls (50 tokens).

Tokens leave your balance only as an order fills. Pause, change or cancel an order at any time. No call order, no calls.

Missed calls

If your phone rings and you don’t press 1 (no answer, busy, declined, or you answer without pressing 1), that is a missed call and the caller goes to the next agent. Your first 2 missed calls in a row are free. The next one in a row costs 10 tokens and pauses your calls.

Paused calls stay paused until we approve your request to turn them back on, which you send from your dashboard. Your leads keep coming while calls are paused. Taking a call starts the count over.

Recordings and bad calls

We record every call, and the recording is on the call in your dashboard. A billed call shows up there like a lead, with the caller’s number, state and how long you talked, and it goes to your CRM connection too.

A bad call can get 6 tokens back if you ask from the dashboard within 7 days and our recording shows one of these:

• It was a wrong number, or the caller wasn’t calling about life or final expense insurance.
• It was a prank or abusive call, or there was no real person on the line (a fax, a robot, silence or a recording).
• The caller couldn’t hold a conversation in English.
• The caller says they are under 18.
• The caller says they live in a state where you aren’t live on BuyFEXLeads.
• The same caller was already billed to you as a live call in the 30 days before.

These never earn a credit:

• The caller isn’t interested, can’t afford it, or doesn’t qualify on health.
• The caller didn’t buy, or hung up after your pitch.
• The caller already has coverage.
• The call dropped after it passed 90 seconds.
• You missed or declined other calls.
• A missed call fee (charged when you miss 3 calls in a row).
• You aren’t licensed in a state you chose to be live in.
• Anything that isn’t on our recording of the call.

The full wording is in the Terms and the refund policy.

What we don’t promise

We don’t promise how many calls you will get or when they will come. That depends on who calls our number and from which states.

Callers are not quiz leads. They called us, so they have not confirmed their phone with a text code and there is no consent certificate for them. The state comes from their area code, and people keep their numbers when they move, so it can be wrong.

Calls are not exclusive. A caller may call our number again and reach another agent. If you want leads that are yours alone for 30 days, those are our exclusive final expense leads.