Final expense insurance—also known as burial insurance or funeral insurance—is a critical product that offers peace of mind for aging Americans and their families. Whether you're a seasoned insurance agent or a growing agency, your ability to generate high-quality final expense leads can make or break your success in this niche.
In this blog, we’ll explore where to get reliable final expense leads, how to filter them for maximum ROI, and how to convert them into clients using a multi-touch marketing approach.
🧠 What Are Final Expense Leads?
Final expense leads are prospective customers who are likely to purchase a life insurance policy intended to cover funeral costs, cremation services, and other end-of-life expenses. These leads typically fall into the 50–85+ age range and may be on fixed incomes or Medicare.
Unlike term or whole life prospects, these buyers tend to want fast, affordable coverage without medical exams. That makes final expense products a relatively easy sale—if you’re reaching the right people.
🔍 The Key to Success: Targeting the Right Demographic
Not all senior leads are created equal. To run efficient campaigns, you need to narrow your audience with precise data filters. Here are the most common targeting attributes used by successful agents:
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Age Range: 55–80+ years old
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Income Level: $15K–$55K household income
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Homeowners vs. Renters: Some agents target renters only, others prefer homeowners
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Geographic Radius: Zip code, county, or DMA-based targeting
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Ethnicity & Language: Especially helpful for bilingual agents
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Life Event Data: Recent retirement, death of a spouse, or Medicare enrollment
With Gemstone Data, you can filter and download leads in real time using our web-based portal. No setup, no waiting—just precision targeting when you need it most.
📞 How to Reach Final Expense Leads
Once you’ve downloaded your lead list, the next step is outreach. Here’s a breakdown of the most effective methods:
1. Telemarketing (Live or Dialer-Based)
Many agents find success calling final expense prospects directly. With the right script and call cadence, you can prequalify interest and set appointments. Our data includes up-to-date consumer landlines and mobile numbers, so you’re always reaching real people.
Pro Tip: Segment your call list by age bracket or income for better conversations.
2. Direct Mail Campaigns
Yes, it still works—especially with seniors. A simple postcard or letter offering free quotes or guaranteed acceptance can drive inbound calls. Combine your direct mail list with a follow-up call campaign for best results.
3. Email Marketing
While open rates for seniors can be hit or miss, targeted emails can be effective when tied to family planning or cost-saving angles. Our leads include email addresses when available so you can layer in a multi-touch approach.
🗺️ Use Geofencing and Mapping Tools for Local Advantage
With Gemstone’s map search feature, you can visualize your list by zip code or neighborhood and canvass the areas near recent sales or active campaigns. This is perfect for agents who:
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Want to call the neighbors of a recent final expense client
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Need to expand reach around a successful zip code
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Prefer to focus on a specific local territory
This feature is especially helpful if you’re marketing final expense products face-to-face or over the phone within a specific service area.
💬 What Makes a Final Expense Lead “High Quality”?
Here’s what to look for in a premium lead list:
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Freshness: Recency matters—older data gets stale fast.
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Deliverability: Valid phone numbers and addresses are a must.
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Intent Indicators: While not always available, data like credit activity, Medicare plan selections, or health interest scores can help.
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Source Transparency: Was the list compiled ethically and legally? Our leads come from reputable, opted-in sources.
At Gemstone Data, we don’t resell recycled leads. You get fresh records pulled in real time, with filtering options so you can tailor your campaigns to your own targeting strategy.
📈 What’s a Good Response Rate for Final Expense Marketing?
This varies by channel and offer, but here are some benchmarks:
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Cold Calling: Expect a 1–3% contact-to-appointment rate with a quality script and dialer
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Direct Mail: 0.5–1.5% response rate is common
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Email Campaigns: Open rates may be 10–15%, with 1–2% click-through
The best-performing agents combine multiple touchpoints—call, mail, email, and remarketing—to warm up leads and increase conversions.
🧩 Real-World Use Case
“I pulled 1,000 final expense leads using Gemstone’s filters for low-income seniors in Arizona. I closed my first policy within 3 days and had 6 appointments by the end of the week.”
— Derek B., Independent Insurance Agent
🎁 Try Before You Buy: Get 100 Free Final Expense Leads
If you’re still unsure about buying final expense leads, we make it easy. Just fill out a short form and get instant access to our data portal, where you can:
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Filter by age, income, location, etc.
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Preview counts in real time
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Download 100 free sample leads with no obligation
It’s the easiest way to test drive the quality and flexibility of our platform.
🏁 Final Thoughts: Why Gemstone Data?
We know that not all leads are created equal, and when you're paying out of pocket, you can't afford to waste time on junk data. Here’s why Gemstone is the go-to source for life and final expense agents:
✅ Real-Time Downloads – Filter and pull leads instantly
✅ Highly Targeted Lists – Age, income, location, and more
✅ Affordable and Scalable – Whether you need 100 or 100,000
✅ Phone, Mail, and Email Data – Multi-channel outreach
✅ Free Sample Leads – Try before you buy
🔗 Ready to Start?
➡️ Get 100 Free Final Expense Leads »
Or call us at 888-267-4321 to talk with a data specialist.