States to Work FE in

[TDFnCali]

Probably would have to start targeting specifically married couples for data selection, more opportunity to sell multiple policies.
- - - - - - - - - - - - - - - - - -
Just quoting from Newby on a different post on how to handle FE in high cremation states:

"Even people who are cremated spend more than you think. Stats always quote DIRECT cremation prices but 75% of cremations aren't direct cremations.

Families usually have memorial services (funeral without the body present) with the cremains present OR a funeral service (with the body present) with cremation AFTER the funeral.

Most people that cremate around here also have cemetery burial of the cremains AND monuments. It's not unusual for people to spend over $8,000 with cremation and I've seen people spend over $15,000 on cremation services.

People can certainly spend much less. If they want to go minimum they can certainly do everything they need for under $2,000 and in some area's (Florida) under $800. But MOST people don't want minimal.

In my town there is a funeral home that will do minimal direct burials (full body-NOT cremation) for less than $3,500. He gets very few takers. Most people are NOT looking for the bare minimum."

Did u ever post how those new fliers u sent out worked for u?? That was sev weeks ago, Im sure u got em back by now right?

 

[Newby]

And by brand of car owned. Prius and Subaru 100% simple cremations. I won't even talk to them...Wait, come back...I was just kidding...

Never noticed that. But I am a Subaru guy and I cremated both my parents.

They had funerals first before the cremations. Around $7,500 each. But no cemetery expenses at all.

 

[Cenla Agent]

FWIW, with the exception of Utah (which is a somewhat different case) and SD, the bottom states for cremation are in the "Bible Belt." I'm guessing that many in these states may just think cremation is weird or else the thought of cremation just never occurs to them. But some may have religious objections to the practice as well.

 

[Newby]

Do you guys never sell FE to people who don't need it for funeral and cemetery expenses?

If the funeral is prepaid do you just give up?

 

[rousemark]

Do you guys never sell FE to people who don't need it for funeral and cemetery expenses?

If the funeral is prepaid do you just give up?

Is that allowed? You mean FE doesn't stand for "Funeral Expense"?

 

[Rearden]

It's a regional, cultural, and religious thing in the South. 1 out of 2 want burial, strictly burial. And as far as selling FE to those with pre-need, it happens rarely, unless they have a reason.

 

[JimmyUt]

FWIW, with the exception of Utah (which is a somewhat different case) and SD, the bottom states for cremation are in the "Bible Belt." I'm guessing that many in these states may just think cremation is weird or else the thought of cremation just never occurs to them. But some may have religious objections to the practice as well.

Folks in Utah seem to somehow think there is something wrong with cremation. Those that use their brain realize once they are dead, none of it matters.

 

[jdeasy]

Do you guys never sell FE to people who don't need it for funeral and cemetery expenses?

If the funeral is prepaid do you just give up?

I do some because I find out why they mailed the card in. If they have a preneed already in place there must have been something else they wanted.

I don't get many reply cards from people that do have a preneed already because those are just not the people that do reply.

Most of the people I see are the LIS group to add in that terminology. That demographic are not the preneed types.

 

[Newby]

I can assure you guys that when I have sold Preneed to some one and they fully pay it off (usually 2 years later) I definitely offer them FE. Some of them do want additional coverage even though the funeral and cemetery are all paid.

A LOT of them simply want to leave money to their kids or Grandkids.

Here's your free FE tip of the day:

Always ask women, "is there one of your sons or daughters that REALLY takes care of you more than the others? One that you know will really step up when you get older and need more help?

And if you are like most mothers, you have your will divided equally with all the kids...right?

The best way to do something special for that child that helps you so much is to take a small life insurance policy out with them as the beneficiary. The other kids never need to know about it.

That little conversation has sold a number of policies for me.