Independent insurance agents have more lead options than ever—but which ones are worth your time and money? In this blog, we break down the most common types of life insurance and final expense leads, from digital real-time and inbound calls to telemarketed and direct mail campaigns. Learn what Final Expense Brokerage offers, how each lead type works, and the pros and cons of other lead sources in the market so you can build a stronger, more consistent pipeline.

Life Insurance Awareness Month is recognized every September to highlight the essential role life insurance plays in protecting families, securing financial futures, and building long-term stability. As a leading Independent Marketing Organization (IMO) in the life and final expense insurance industry, we believe this month is an opportunity to educate both mid-level to experienced life insurance agents and clients about why coverage matters now more than ever.

As an independent insurance agent, generating high-quality leads consistently is often the biggest challenge standing between you and next-level growth. While digital marketing, paid ads, and lead vendors can play a role, many experienced life and health insurance agents are shifting toward referral-based marketing - and for good reason. One of the most effective (and underutilized) ways to do this in 2025? Partnering with local businesses that already work with your ideal clients.

In today’s highly competitive life insurance market, agents are constantly looking for ways to improve efficiency, lower acquisition costs, and increase retention. Yet one of the most powerful and cost-effective strategies continues to be overlooked: referrals from current policyholders. Whether you're selling term life, whole life, final expense, or supplemental health insurance, the clients you’ve already served represent your warmest market - and potentially your most valuable source of leads.

Every experienced life insurance agent knows: objections aren’t roadblocks - they’re opportunities. Whether you're selling term life, whole life, or final expense insurance, handling objections with confidence and empathy can be the difference between a lost lead and a lifelong client. Use this life insurance objection rebuttal cheat sheet to overcome common concerns, build rapport, and boost your placement ratio.