What Is Standard?
Standard is a platform for buying and managing qualified Final Expense inbound calls. The process is simple.
- Consumer responds to an advertisement
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- Call enters Standard
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- Available agent receives the call
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- Agent runs the Standard qualification process
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- Caller qualifies
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- Agent transitions into their normal sales process
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- Track performance and scale what works
Standard handles the infrastructure required to get inbound opportunities to available agents. You control when you're available, qualify the caller yourself, and handle the sale.
Our job is to create the opportunity and give you the process and infrastructure to manage it. Your job is to sell.
Raw Calls vs. Qualified Calls
This is one of the most important differences to understand.
A raw call is someone who responded to an advertisement. That's it. They called. That does not automatically mean they meet the criteria required to become a legitimate Final Expense sales opportunity.
A lot of companies use the word "qualified" when they're really selling you a raw caller. Standard works differently. With Standard, your agent runs the caller through our standardized qualification process before transitioning into the sale.
Consumer responded to an ad.
No agent-controlled qualification has been completed yet.
Consumer responded to an ad.
Agent runs Standard qualification.
Required criteria are confirmed.
Agent transitions into the sale.
You don't have to take our word for the quality. You're the one qualifying them.
Once the caller completes Standard qualification, you have a qualified sales opportunity. That does not mean the caller is guaranteed to buy. It means they met the qualification requirements. From there, the sale is in your hands.
Qualified does not mean guaranteed sale.
Once they qualify, the rest is sales.
How Standard Qualification Works
Every agent receiving Standard calls follows the same standardized qualification opening. The purpose is simple:
Determine whether the caller is eligible and able to be sold to.
The current qualification process confirms:
- ✓ They're looking to purchase life insurance for themselves or an eligible loved one.
- ✓ The insured is between the ages of 50 and 80.
- ✓ They can afford at least $2 per day for coverage.
That's qualification. Agents cannot add their own qualification requirements because they personally don't think they'll be able to close someone. If the caller qualifies, stop qualifying and start selling.
The First 60 Seconds
Our target is to complete qualification within approximately 60 seconds. But 60 seconds is a target, not a deadline. If the caller asks questions, needs clarification, or takes longer to answer, continue qualifying. Never hang up simply to beat the clock.
First 60 seconds: control the conversation and qualify.
After qualification: slow down and sell.
How Billing Works
Standard uses a prepaid wallet. You add funds to your account and your wallet balance is used as billable calls are delivered.
- Fund Your Wallet
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- Receive Calls
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- Billable Calls Deduct From Your Balance
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- Top Up When You Need More
You can see your balance inside Standard and top up whenever you need additional calls. A call becomes billable according to the billable duration and qualification terms assigned to your account.
If you believe a call should not have been billable, send it to the Standard team for review. We review the recording and determine whether the billable should be reversed under the applicable policy.
What If I Decide Standard Isn't For Me?
You're not locked into spending your entire wallet balance. If you decide Standard isn't the right fit, you can stop buying calls and request a refund of your remaining unused wallet balance, subject to your agreement. Calls that have already been delivered and properly billed are not part of the unused balance.
You control your wallet.
Fund it. Use it. Top it up when you want more.
Are the Calls Exclusive?
Yes.
The caller responds to an advertisement and comes through Standard directly to the receiving agent. The same live call is not simultaneously distributed to multiple Standard buyers. That's very different from buying a shared data lead that may already be sitting in several agents' CRMs.
Once a call becomes properly billable, the lead is yours to work and follow up with.
How Call Volume Works
Standard does not promise a fixed number of calls every hour or every day. Call volume depends on several things:
- Your states
- Your availability
- Time of day
- Consumer demand
- Routing conditions
- Your account configuration
The more opportunities you're eligible to receive, the more potential volume you have access to. Being licensed in more states generally helps. Being available more often generally helps. California, Florida, and Texas are currently some of our strongest states for volume.
If you're only licensed in a handful of states, calls may take longer to come through. That doesn't necessarily mean something is wrong — it may simply mean there are fewer eligible calls matching your configuration at that moment.
Want More Volume?
The biggest levers are usually:
- Add more states
- Stay available longer
- Add more agents
- Be available during higher-volume periods
More eligible coverage + more availability = more opportunities to receive calls.
What Happens After I Fund My Account?
Getting started is simple.
Fund Your Account
Add funds to your Standard wallet.
Complete Your Agreements
Complete the required Standard agreements.
We Configure Your Account
Our team sets up your routing, states, and Standard Connect access.
Review the Qualification Script
Every agent needs to understand the Standard qualification opening before receiving calls.
Go Available
Log into Standard Connect and mark yourself available.
Receive Calls
Eligible calls can begin routing to your agents.
Our team handles the backend configuration. Once you're configured and available, you're ready to receive eligible calls.
What Standard Does vs. What You Do
Standard
- Provides inbound call infrastructure
- Routes calls
- Provides the qualification framework
- Provides Standard Connect
- Tracks call activity
- Provides operational support
- Helps buyers understand performance
You
- Go available
- Answer calls
- Follow Standard qualification
- Sell qualified callers
- Follow up
- Track your economics
- Improve your sales execution
Standard creates the opportunity. You turn the opportunity into a sale.
What Makes Buyers Successful?
The strongest Standard buyers don't expect every caller to buy. They build a repeatable process around the numbers. They:
- ✓ Follow the Standard qualification script
- ✓ Stay available
- ✓ Know their numbers
- ✓ Evaluate meaningful samples instead of judging performance from one or two calls
- ✓ Follow up
- ✓ Review their performance
- ✓ Improve their sales process
- ✓ Increase volume when the economics work
A solid agent may close around 25% of qualified billable calls. Strong agents can perform significantly better. Those are benchmarks, not guarantees. Your results depend on your sales ability, states, availability, product fit, placement, persistency, and other factors.
The goal isn't to win every call.
The goal is to build predictable economics.
Who Standard Works Best For
Standard Is a Strong Fit If You:
- Have Final Expense sales experience
- Can sell
- Understand paid customer acquisition
- Track your performance
- Want scalable inbound volume
- Are willing to follow a consistent qualification process
- Want to build predictable economics around lead buying
Standard May Not Be the Right Fit Yet If You:
- Are brand new to Final Expense and still learning how to sell
- Expect guaranteed sales
- Expect every qualified caller to buy
- Want to judge a lead source after only a couple of calls
- Are unwilling to follow the Standard qualification process
- Are not financially prepared to invest in customer acquisition
We would rather work with buyers who are positioned to succeed than put someone into calls before they're ready.
Don't Take Our Word For It
See what happens when real Final Expense agents actually test Standard.
Nearly 6x the original call spend shown during the documented test.
Sell Hungry independently tested Standard calls and documented the experience.
Individual results vary. This example reflects one agent's experience and does not guarantee future sales, Annual Premium, profitability, close rates, or other results.
More Customer Results
