1. Pre need 101 module 5 For The state of texas
This presentation has been approved by AGI FINANCIAL for AGENT dissemination.

2. Good to know – for your conversation
The Tribute Funeral Home is part of a state wide funeral service network.
Our packages are best sold to Current Clients and are perfect for annual reviews.
Our packages are best sold as10 pay plans in order to fit into a clients budget.
There are higher costs of insurance on multi pay plans. No different than life insurance.
All plans are sold in pre-set packages for simplicity and cost effectiveness.
Our services will not be held at a funeral home. This is a growing and popular trend.
All of our services sold are listed as: “At other location” (church, home, etc).
All pre-need policies in Texas are transferrable outside of our network if a family chooses.
Transferrable does not mean we will transfer a body more than 50 miles outside of our network.
Commissions and Premiums are the same for the Level or Graded Benefit.
The majority of people will do a pre-arrangement to prevent a burden on loved ones.
We Focus 100% on Cremations
75- The percentage of Americans that will prefer cremation over burial in 12 years.
87- The percentage of Americans who think pre-arrangements are important.
3- The percentage of Americans who actually own a pre-arrangement policy.
300- The percentage of mark up at a funeral home for “At Needs” products and services.
0- The number of days a family has to begin the funeral and payment process after death.
0- The amount of money available from a life policy before the death certificate issues.
10- The average number of business days it takes for a death certificate in TX to issue.
15- The percentage of the life policy lost in fees if a person transfers it to a funeral home.
3- The rank for “Insurance Agents” among professionals preferred to discuss funeral plans.
12-The rank for “Funeral Directors” among professionals preferred to discuss funeral plans.

3. The Recruit
The Test
The Agenda

4. The recruit

5. The TEST 1. You may only sell from the 5 following packages: Memories
Memories
Freedom
Freedom with Viewing
Tribute
Eternal
You may not amend/edit any packages, but you may choose between a wood or metal urn in each package.

6. The TEST- answer sheet (blank)
Package Choice:
Package Price:
Package Face Amount:
Multi Pay Plan: Single Pay
Monthly Premium:
Total Planned Payments:
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

7. scenario I
Jimmy Johnson 123 Main Street Salado, TX Male 44 year’s old Med History – Shoulder Pain RX – Flexoril and Motrin Wants a direct cremation without a memorial service. Wants a pine wood Urn. Budget: $

8. The TEST- answer sheet (scenario 1)
Package Choice: Memories with a Wood Urn
Package Price: $
Package Face Amount: $
Multi Pay Plan: Single Pay
Monthly Premium: $27.95
Total Planned Payments: $
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

9. scenario II
Jim Smith 123 Main Street Georgetown, TX Male 56 year’s old Med History – High Blood Pressure, Type 2 Diabetes, Seasonal allergies and has trouble sleeping. RX – Lisinopril, Metformin, Allegra and Albuterol and Ambien. Wants a direct cremation with no URN and a memorial service at his local VFW in Dallas TX. He expects a few Army buddies to show up but has no family in the area. The VFW is 25 miles away. Budget: $

10. The TEST- answer sheet (scenario 2)
Package Choice: Freedom with Wood Urn
Package Price: $
Package Face Amount: $
Multi Pay Plan: Single Pay
Monthly Premium: $53.31
Total Planned Payments: $
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

11. scenario III
Jane Smith 123 Main Street Round Rock, TX Female 61 year’s old Med History – High Blood Pressure, Type 2 Diabetes, High Cholesterol and had Thyroid Cancer 5 years ago. Cancer Free for 4.5 years. Heart attack 4 years ago. RX – Lisinopril, Metformin, Simvastatin and Levothyroixn. Wants a cremation with a memorial service at her church in Round Rock, TX. She would like a framed portrait. Her son would like a metal urn that is engraved and a few extra death certificates to manage his mothers estate properly. She wants several keepsakes available for her many guests and wants a memorial video playing during the service. Budget: $

12. The TEST- answer sheet (scenario 3)
Package Choice: Eternal with Metal Urn
Package Price: $
Package Face Amount: $
Multi Pay Plan: Single Pay
Monthly Premium: $76.12
Total Planned Payments:
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

13. scenario Iv
John and Jenny Doe 123 Main Street Austin, TX Male and Female John is 53 and Jenny is 48 year’s old Med History – John -Diabetes, High Cholesterol and Back Pain. RX – Lantus Insulin, Atorvastatin and Flexoril. Jenny – No medical issues but is over weight. They both want a cremation with a memorial service. Because they are not originally from the area, they don’t expect many people to attend. John will be placed into the Memorial Wall at the Killeen Federal Cemetery, and wants a Pine Wood Urn. Jenny’s remains will be scattered on her family property in Hutto after a viewing. She wants a metal engraved urn for her kids to put some of her ashes into if they wish to do so. Budget: $

14. The TEST- answer sheet (scenario 4 -John)
Package Choice: Freedom with Wood Urn
Package Price: $
Package Face Amount: $
Multi Pay Plan: Single Pay
Monthly Premium: $51.82
Total Planned Payments: $
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

15. The TEST- answer sheet (scenario 4-Jenny)
Package Choice: Freedom with Viewing
Package Price: $
Package Face Amount: $
Multi Pay Plan: Single Pay
Monthly Premium: $77.51
Total Planned Payments: $
Excess? Multiply Funeral amount by If the total is MORE than the face amount write “N/A”. If it’s LESS than the face amount, then SUBTRACT the funeral amount from the face amount and put the difference in the box.

16. Additional resources
The slides below are additional tools that will be helpful in developing your conversation
Find the included Global Atlantic Materials and more at: