What Happens Before Your Warm Transfer? The Exact Script Our Reps Use
Dustin DeTorres September 8, 2026 6 min readQuick answer: What is said before a Falcon FEX transfer?
Before every Falcon 2 Min and Falcon Bronze warm transfer, a trained Falcon FEX representative completes a six-step screen: a warm opener, name/zip/DOB verification (age 50–80), coverage amount and beneficiary, basic health knockout questions, an active checking or savings account check, and a verbal confirmation that the prospect wants to speak with a licensed agent right now. Only after the prospect says yes is the call bridged to you — with a full warm introduction.
One of the most common questions we get from new agents is simple: "What exactly does your team say to the prospect before the call comes to me?" Fair question — when you're paying for final expense live transfers, you deserve to know precisely what happens on the other side of the line.
Below is the actual word-for-word script our trained reps run before every Falcon 2 Min and Falcon Bronze warm transfer. No gatekeeping — this is the same screening flow that lands on your phone every day.
Not sure how warm transfers compare to national TV inbound calls? Read our Falcon FEX vs. InboundFEX comparison for a side-by-side look at lead models, pricing, and which fits your agency.
The Pre-Transfer Script, Step by Step
Step 1: Opener & Rapport
"Hi [Prospect First Name], this is [Rep Name] following up. How are you doing today? The reason for my call is simply that we had a note to touch base regarding state-regulated final expense and burial coverage programs available for folks between 50 and 80. Most people we speak with just want to make sure their loved ones aren't left holding a heavy financial burden for end-of-life expenses. I just have a couple quick questions to see what programs you qualify for in your area — fair enough?"
The opener sets expectations immediately: state-regulated programs, ages 50–80, and a couple of quick questions. No surprises for the prospect.
Step 2: Core Data Capture & Qualification
"Just to make sure my spelling is correct, that's [First Name] and your last name is [Last Name]? And what is your current 5-digit zip code? What is your date of birth, including the month, day, and year?"
Full name, zip code, and date of birth confirm the prospect is between 50 and 80 and lets the rep pull up the exact options for their area.
Step 3: Coverage Needs & Motivation
"Most of our clients look at plans ranging from $10,000 to $25,000 to handle burial, cremation, or leftover bills. If you had to put a number on it, what coverage amount were you hoping to leave behind? And who would this peace of mind be for? A spouse, your children, or maybe a grandchild?"
Coverage amount and beneficiary are captured before transfer, so your agent opens the call already knowing what the prospect wants and who they're protecting.
Step 4: Basic Health & Underwriting Knockouts
"These state-regulated plans don't require medical exams or needles, just a few quick health questions. Are you currently hospitalized, bedridden, or in a nursing facility? Have you been diagnosed with or treated for congestive heart failure, active cancer, or terminal illness in the past two years? Are you currently managing conditions like blood pressure or diabetes with daily medications?"
Quick knockout questions cross-referenced against standard underwriting criteria — prospects with immediate disqualifiers never reach your phone.
Step 5: Banking / Payment Method Confirmation
"To ensure rates are locked in at the lowest state-approved price, the carriers require an active checking or savings account for automatic monthly payments. Do you currently hold an active checking or savings account in your name?"
A simple yes confirms bankability. Reps never collect routing or account numbers — that conversation stays between the prospect and the licensed agent.
Step 6: The Transfer Confirmation (The Close)
"Fantastic, [Prospect First Name]. Based on what you've shared, you look like a great candidate for a few affordable programs in your area. Just to make sure before I bring them on the line: You are interested right now in speaking with a licensed life insurance specialist in your area who can give you the exact rates and options, right? Wonderful. Please stay on the line for just a moment while I get [Licensed Agent Name] connected with us."
The prospect verbally confirms interest in speaking with a licensed agent right now — then the warm handoff happens.
The Warm Handoff You'll Hear
Once the prospect confirms, your rep introduces them to you with everything you need to open strong — name, zip, age, coverage amount, beneficiary, banking, and health:
"Hey [Licensed Agent], I have [Prospect Name] on the line from [Zip Code]. They are [Age], looking for around $[Amount] in burial coverage for their [Beneficiary], and have confirmed an active bank account and standard health qualification. [Prospect Name], meet [Licensed Agent]!"
Taking the transfer? Use our agent-side warm transfer reception script to pick up exactly where the handoff leaves off.
Once you're live, the buffer window starts immediately. Protect every call with our Buffer Guidelines.
What This Means for Your Close Rate
- Every prospect is age-verified (50–80) before the call reaches you.
- Coverage amount and beneficiary are already established — you skip the discovery phase.
- Health knockouts and an active bank account are confirmed, so you're quoting insurable, bankable prospects.
- The prospect has verbally agreed to talk to a licensed agent right now — intent is confirmed twice.
Want to see how 2 Min and Bronze compare to our other screening tiers? Compare all Falcon FEX lead types.
Once the prospect is on your line, the next step is handling objections smoothly. Our Top 40 Final Expense Objections guide gives you the exact rebuttals for the pushback you'll hear after the warm handoff.
Pre-Transfer Script FAQs
What is said before a Falcon FEX warm transfer connects to my agent?
A trained Falcon FEX rep runs a six-step script: a warm opener and rapport, core data capture (name, zip, date of birth), coverage needs and beneficiary, basic health knockout questions, an active checking or savings account check, and a verbal transfer confirmation where the prospect explicitly agrees to speak with a licensed agent.
Does this pre-transfer script apply to both Falcon 2 Min and Falcon Bronze?
Yes. Falcon 2 Min and Falcon Bronze warm transfers both pass through the same human screening script before the call is ever bridged to your licensed agent. The difference between the packages is the handoff experience and buffer, not the quality of the screening.
Do your reps collect bank account or routing numbers?
No. Reps only verify that the prospect holds an active checking or savings account in their name with a simple yes. Routing and account numbers are never collected during the pre-transfer screen — that stays between the prospect and the licensed agent or carrier.
What disqualifies a prospect before transfer?
Prospects outside the 50–80 age range, those currently hospitalized, bedridden, or in a nursing facility, those treated for congestive heart failure, active cancer, or terminal illness in the past two years, and those without an active bank account are screened out before the call ever reaches your phone.
Hear the Difference on Your Next Transfer
Every Falcon 2 Min and Falcon Bronze call passes this exact screen before it reaches your phone. Order your first transfers today.
Get Live Transfers