Agent FAQs - CS Group & Associates

Frequently Asked Questions

What is Final Expense Insurance, And Who is Our Target Market?

Many people die without life insurance and leave the burden on their family to pay for the funeral. We sell final expense life insurance policies designed to cover funeral costs. In most situations, we can insure almost anyone age 0-85. Most can qualify even with existing health conditions. Final expense insurance provides a valuable service to our community and the families of the people that need our help the most. Final Expense is about offering a product that everyone needs, educating our community on its importance, and helping families. There is no better feeling than providing a product and a service that assists people at one of the most difficult times in their life.

How Many Carriers Do We Offer?

The CS Group & Associates only represents 1 company… Lincoln Heritage Life Insurance Company®, “The Leader in Final Expense”. Lincoln Heritage sold over $150 Million in new business in 2019; more than any other Final Expense Company in the US! With over 56 years of experience in the industry, they have streamlined the process with an in-house lead program, a one page paper application (or iPad application), liberal underwriting guidelines, same day pay, health/dental benefits for qualifying agents, residual income opportunity, and company incentive trips. We have no need to complicate the process when we have the best the industry has to offer. At The Spurgeon Group, our agency represents Lincoln Heritage exclusively in 7 states, and in just 7 years is among the Top 4 agencies in the region. In the last 2 years we have sold over $6.3 Million of Lincoln Heritage’s business.

What Experience Is Required?

None! No Sales or Work Experience Required! We will train you regardless of experience. We only require:

Positive Attitude
Competitive Nature
Good Work Ethic
Self-Starter
Self-Motivated
Trainable and Coachable

What Previous Career Paths Transition Well to Selling Final Expense?

There are a lot of people who have experienced sales and business success, but they do not have RESIDUAL INCOME. Lincoln Heritage has a great opportunity that provides up front commission and residual income. We have successful agents/managers from all walks of life and experience levels. All you need is a positive attitude and a great work ethic.

Some examples include:
Recent High School or College Graduates
Business Owners
Network Marketers
Real Estate/Mortgage Agents
Auto Sales Sales Management
Outside Sales Cable/Telecommunication Sales
Door to Door Sales or Canvassing Customer Service Reps

What Does the Average Producing Agent Make Their First Year?

New agents with zero work/sales experience typically average $45,000-$70,000 their first year. Your income will depend on how well you implement our training, and how much time you dedicate to spending in the field.

Is This Network Marketing or Multi-Level Marketing?

No. Lincoln Heritage is a life insurance company. Final Expense Life Insurance sales is a lead driven business. 70%+ of our agency’s sales come from the Lincoln Heritage lead system. You can make sales to your friends, family, and warm market if you want to, but that will not build you a long-term career with consistent income. We also train you to get referrals and do seminars/workshops through the leads.

What Can A Top Producing Agent Earn in Their First 12 Months and Beyond?

If you are someone that is willing to spend 50+ hours a week in the field selling, mimicking our sales training, and working 20+ leads a week, you can make anywhere from $80,000-$150,000 gross income in your first year!