i am not a licensed agent. i like the idea of getting my license, but running two funeral homes that have a high call volume does not allow the time needed to nurture a business in life insurance sales. our funeral home does not have a pre need department. we are strictly at need service providers. we are a small family operation in a large city and sometimes we dont have the time to secure pre need contracts. anytime people ask us about planning or preparing, we have a ten minute conversation about the variables in funeral costs and finalize the conversation with directing the interested party to a bank to open a burial reserve account or a local insurance agent to purchase a small policy. i try to convince people to purchase as much insurance as possible, because the financial burden extends beyond caskets and flowers to luncheons, headstones, property taxes/liens etc... i dont want to sell life insurance, but i want to monetize the interest families seem to have. questions... 1. would exclusive leads from a funeral home be more or less valuable from a net lead? my initial thought is more valuable because my lead is from family who either made a funeral arrangement or was involved in making a funeral arrangement, which means they can see the value in having a policy to cover final expenses opposed to dipping into savings only to see their resources limit their service options... 2. how can i scale this? i can purchase products that can be placed in my mortuary that are like digital guest books that allow guests to sign in and opt in to receive information regarding funeral planning. i can also create a landing page and drive traffic to a content based site explaining the ins and outs of funeral related costs and how to save money with certain decisions. 3. what the going rate for a lead? what technically is a lead? can an email address and only an email address be a lead? what if was able to provide a full name, email and phone number of somebody who was interested in funeral planning and funding? 4. are final expense prospects a certain age? would agents stay away from prospects over 75? thoughts?