Marcus Holloway
Marcus leads AgentTech's Final Expense vertical and writes about senior life insurance telesales, FE carrier strategy, lead vendor evaluation, NAIC suitability documentation, and the dialer workflow that turns a $40 direct-mail card into an issued application.
Articles by Marcus Holloway
Senior Life Insurance Cross-Sell: How Insurance Agencies Move Med Supp Clients Into FE
The existing Med Supp book is the highest-margin life sales channel an agency has. Cross-sell process design.
Read the articleThe True Cost of FE Agent Attrition for Insurance Agencies
Replacing a final expense agent costs $15–25K in hard plus soft costs. The math agency principals should run before defending or firing.
Read the articleAnnual FE Policy Reviews: The Insurance Agency Process That Doubles Cross-Sell
Systematizing annual reviews drives 25%+ cross-sell to other senior products. The review process every agency principal should run.
Read the articleSenior Buying Psychology: What Insurance Agencies Should Teach Every FE Agent
Research-backed model on senior decision-making — slower, trust-driven, repetition-required. How agencies design training around it.
Read the articleFinal Expense Lead Source ROI: Direct Mail vs Facebook for Insurance Agencies
Real unit economics with assumptions transparent — not vendor marketing. Cost per dial, cost per quote, cost per placement, by source.
Read the articleFE Callback Cadences: What Top Insurance Agencies Run That Solo Agents Don't
A 6-touch cadence over 14 days outperforms 3-touch on senior contact-rate decay. The data, the schedule, and the agency-level enforcement.
Read the articleBuilding a Final Expense Objection Library Across Your Insurance Agency
Per-agent rebuttal-reinvention is a quality and consistency disaster. How agencies centralize, version, and update objection responses.
Read the articleDay-1 vs Graded Benefit: How Agency Owners Should Think About FE Mix
A graded-heavy book is a chargeback risk; a day-1-heavy book is a placement-rate problem. The right mix protects margin.
Read the articleFinal Expense Warm Transfer SOPs for Insurance Agencies
A clean inbound→closer warm transfer flow that doesn't lose 30% of leads at handoff.
Read the articleFinal Expense Agent Compensation: How Top Agencies Structure Pay
Pay structures that align agent and agency interests on persistency, not just placement.
Read the articleRecruiting FE Agents vs Hiring Direct: Which Model Wins for Insurance Agencies?
1099 IMO vs W-2 captive — comp structure, persistency, retention, and tax exposure tradeoffs every FE agency owner has to make.
Read the articleChargeback Prevention at Final Expense Agencies: A 9-Step Operational Framework
Chargebacks eat 20–40% of new-business commission for under-managed FE agencies. Agency-level operational controls — not agent training.
Read the articleFinal Expense Persistency: The KPI That Makes or Breaks Your Agency's P&L
13-month persistency below 75% kills agency commissions; agency-level (not agent-level) levers for moving the number.
Read the articleBuilding a Final Expense Agency Recruiting Pipeline
Most FE agencies grow on referrals; a structured recruiter-led pipeline is what scales 5 → 50 agents.
Read the articleFinal Expense vs Burial Insurance vs Whole Life: Which Should You Sell?
A side-by-side breakdown of final expense, burial insurance, and traditional whole life — face amounts, underwriting, premiums, and which product fits which senior prospect.
Read the articleBest Dialer Modes for Final Expense: Preview vs Power vs Progressive vs Predictive
Which dialer mode actually closes the most final expense policies? A data-driven look at preview, power, progressive, and predictive dialing for senior-aged FE leads.
Read the articleFinal Expense Lead Types Compared: Direct Mail, Aged, Live Transfer, Facebook, and Telemarketing
Real CPA, contact rate, and close-rate benchmarks for the 5 most common final expense lead sources, plus how to dial each one for maximum return.
Read the articleWhat Is Final Expense Insurance? The 2026 Agent's Guide
Plain-English breakdown of what final expense insurance is, who buys it, how it pays out, average premiums, and why it's become the highest-margin product in senior insurance.
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