Healthcare Agencies: Cross-Sell Life Insurance With Us

Q: Which final expense products fit health insurance clients?

Level benefit final expense for Medicare clients in reasonable health (small face amounts, simplified health questions, no medical exam, typically ages 50 to 85); simplified issue whole life (SIWL) for clients with some health history who want permanent coverage without an exam; and guaranteed issue whole life (GIWL) for clients who cannot qualify for underwritten coverage, usually with a graded death benefit in the first years.

Looking to cross-sell life insurance? You skip our agent application.

Healthcare agencies adding life insurance skip the full agent application. No minimum sales experience, no carrier appointment minimum, no production history, and no lead source or tool checks. You will still need an active life license in the states you sell in and to complete each carrier’s standard appointment steps. Fill out this short form and we’ll follow up with you directly.

How Health Insurance Agencies Can Cross-Sell Final Expense and Life Insurance

A health insurance agency (ACA, Medicare, supplemental or group benefits) can cross-sell life insurance, including final expense, term, IUL, UL and whole life, to its existing clients by licensing its producers for the life line of authority and contracting with a life insurance upline.

BetterLifeQuotes.com, an NGA / IMO Hybrid & Distribution Partner for final expense, term, IUL, UL and whole life that will beat your current commission level, contracts healthcare agencies with 14 carriers and commission up to 160%. Healthcare agencies skip our standard agent application; an active life license is still required.

Medicare and ACA through our exclusive NGA / IMO partnership

Healthcare agencies can also contract Medicare and ACA through our exclusive NGA / IMO partnership, in addition to final expense, term, IUL, UL and whole life. Our job is to beat your current commission. Healthcare agencies skip our standard agent application, own their book of business, renewals and hierarchy (even upon release), and releases are granted.

All the support your agency gets when you cross-sell life insurance

Everything below comes with your contract on every product we contract: final expense, term, IUL, UL and whole life. Training is limited to agents who meet our minimum requirements and the new agents recruited by them or by a new, established or healthcare agency.

Carrier access and streamlined contracting

Simplified onboarding: register and get immediate access to a guided contracting roadmap that walks you through the onboarding process.
Dedicated members portal: once contracting is complete, you unlock the full members portal, with centralized access to the tools, training and resources you need to succeed.
Carrier resource directory: carrier-specific training materials, contact information, department emails and phone numbers for service and support needs.
Contracting support: help with carrier appointments, transfers and contracting questions.

Agent training and development

Comprehensive sales training on every product for qualifying agents and the new agents recruited under them.
Proven telesales scripts, objection-handling techniques and closing strategies.
Personalized coaching and ongoing professional development.

Agent management system

Simple and easy to use: a straightforward system focused on the essential tools agents and agencies need to manage their book of business, without unnecessary bells and whistles.
Production and agent management: agency management tools to monitor production, track performance and manage agent relationships.
Commission and book-of-business reporting: commission reporting and book-of-business management.

CallWave inbound call platform

Comprehensive inbound calls: adjust inbound call specifications to suit your preferences and business needs.
Inbound final expense calls from $25.00: inbound final expense calls are available starting at $25.00 per inbound call. It is an option on the table for you, and there is no requirement to buy them.
Lead strategy and ROI: guidance on lead strategies, conversion optimization and maximizing return on investment.

Support for agency growth

Recruiting, training and retention resources to help agencies build productive, sustainable teams.

Leads are not included. Agents bring their own lead source, and inbound final expense calls are available starting at $25.00 per inbound call. It is an option on the table for you, and there is no requirement to buy them.

Life Insurance Questions for Healthcare Agencies

What licenses does a health insurance agency need to sell final expense?

Final expense is life insurance, and health and life are separate lines of authority. Before an agency can cross-sell life insurance, a producer licensed only for accident and health must add the life line of authority in their resident state, then in each non-resident state where they will sell.

The agency entity also needs the life line on its agency license in those states. After licensing, each producer must be appointed with every carrier they write for. Check each state’s insurance department for exact rules.

Which requirements does BetterLifeQuotes.com waive for healthcare agencies?

All of the standard agent application requirements. Healthcare agencies that cross-sell life insurance do not need minimum life sales experience, a minimum number of existing carrier appointments, production history, or an existing life lead source and tools. You fill out one short form and we follow up directly. A valid state life license is still required by law for anyone who sells.

Can my healthcare agency contract Medicare and ACA through BetterLifeQuotes.com?

Yes. Healthcare agencies can contract Medicare and ACA through our exclusive NGA / IMO partnership, and add final expense, term, IUL, UL and whole life with 14 carriers. Our job is to beat your current commission.

Which final expense products fit health insurance clients?

Level benefit final expense for Medicare clients in reasonable health: small face amounts, simplified health questions and no medical exam, a natural fit for clients aged 50 to 85. See final expense insurance.
Simplified issue whole life (SIWL) for clients with some health history who want permanent coverage without an exam.
Guaranteed issue whole life (GIWL) for clients who cannot qualify for underwritten coverage, usually with a graded death benefit in the first years. See SIWL and GIWL.

How can health insurance agents cross-sell final expense to existing clients?

Use the moments you already have: annual reviews, special enrollment events and life changes such as retirement or the loss of group life coverage. Health and Medicare clients already trust you with coverage decisions, so a final expense conversation the client agrees to, held separately from any Medicare sales presentation, converts better than cold outreach. Many agencies ask one simple question: “If something happened to you, who would pay the final bills?”

How should health insurance agents identify clients who need final expense?

Medicare clients with no burial or final expense plan in place
Clients losing group life coverage at retirement or job change
Clients aged 50 to 85 who do not want to leave funeral costs to family
Clients with health history who were declined for other life coverage, a fit for GIWL

What compliance rules apply when health insurance agents sell final expense?

To cross-sell life insurance, the producer must hold the life line of authority and a carrier appointment before soliciting. CMS marketing rules prohibit marketing non-health products such as final expense life insurance during a Medicare Advantage or Part D sales activity or presentation, so final expense belongs in a separate conversation the client requests. State replacement rules and do-not-call and TCPA rules for outbound calls also apply.

Can unlicensed health insurance staff refer clients to a licensed life insurance agent?

Generally yes, within limits. Under rules most states base on the NAIC Producer Licensing Model Act, an unlicensed person may refer a client to a licensed producer but may not discuss specific policy terms or conditions, and any referral fee cannot depend on whether a policy is sold. Rules vary by state, so confirm with your state insurance department.

How can a health insurance agency build a final expense sales process?

License the producers who will cross-sell life insurance, get contracted and appointed through an upline, choose your core products (level benefit final expense, SIWL and GIWL, plus term, IUL, UL and whole life), add a final expense needs question to your review workflow as a separate, client-requested conversation, and track final expense policies alongside health policies.

On every product we contract, BetterLifeQuotes.com provides back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth).

What are the benefits of partnering with a life insurance upline?

Higher commission levels than a single agency can negotiate alone, access to multiple carriers across final expense, term, IUL, UL and whole life for different health profiles, and contracting support for every carrier appointment.

With BetterLifeQuotes.com that means 14 carriers, commission up to 160%, plus back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth). See the carrier list.

Can my agency leave BetterLifeQuotes.com?

Yes. Contracting is independent and non-captive: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release. Release requests are never held for payment, and releases are granted as long as there is no outstanding debt to the carrier.