SelectiveINbounds Apply

FOR LICENSED FINAL EXPENSE AGENTS

Real TV calls. In your headset.

A real person watched a final expense ad on TV and picked up the phone. One second later they are talking to you. You did not dial. You did not chase. You said hello.

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THE FIRST THING YOU DO EVERY DAY

Pick your campaigns. Then take whichever call comes first.

Tap as many tiles as you want, or tap All campaigns. More tiles on means less time sitting there waiting for the phone.

BEFORE YOU PICK

Every tile shows two numbers.

The wait right now, so you know if it is busy. And what that campaign has cost per sale over the last 7 days. You choose with numbers, not a guess.

ON THE CALL

Giant numbers, no guessing.

Every call shows its own campaign and its own countdown in numbers you can read across the room. You always know which call this is and how long you have.

AFTER THE CALL

A card for each one.

Your Dashboard breaks every campaign out on its own: calls, billable calls, what you spent and what it cost per policy. Keep the ones that pay. Drop the ones that do not.

Your terms are on screen before every single Ready, and they are frozen on every call. A price change never touches a call you already took.

WHERE YOUR CALLS COME FROM

Connected TV. Not a list. Not a lead.

Nobody was called. Nobody filled in a form weeks ago. They saw it on TV today and they dialled today.

They see your ad on TV.

Sitting on the couch. Streaming a show. A final expense ad plays.

They pick up and call.

They want it. Nobody chased them. They made the call themselves.

You are already talking.

About one second later. No ring. No press 1. Just hello.

NO FORM FILL. EVER.

Nobody sold their name before they called you.

They saw the ad and dialed. No form, no survey, no lead captured first. You are the first person they talk to.

WHAT WE TAKE

  1. 1They see the ad
  2. 2They dial the number
  3. 3They reach a live agent

WHAT WE NEVER TAKE

  1. ×A form fill or survey first
  2. ×The lead gets sold again
  3. ×Anything other than organic paid traffic

Nobody captured their name before they called you, so nobody has it to sell, and nobody is calling them next month with a cheaper policy. What happens on the call is down to you. What the call is made of is down to us.

WHAT THEY WERE TOLD

Nobody was promised anything free. If they were, you do not pay.

We read every ad before it runs. No free coverage. No government program. No Social Security. If an ad says any of that, the source does not send us calls.

NEVER

  • A form fill, survey or lead capture before the call
  • Search traffic
  • Free coverage
  • Government program
  • Social Security sponsored
  • A benefit you already qualify for
  • Anything that hides that this is life insurance somebody pays for

ALWAYS

  • Say it is life insurance, funeral coverage or final expense
  • Say there is a price
  • Use plain numbers a person can repeat
  • Every creative sent to us before it runs

THIS IS THE KIND OF LANGUAGE WE WANT

“Up to $25,000 for as low as $2 per day.”

or

“Up to $50,000 for a few dollars a day.”

So the person on your call already knows it is insurance, and already knows they pay for it.

So you never start a call by correcting a lie.

They already know it is life insurance. They already know there is a price. You get to talk about what fits them instead of spending the first thirty seconds putting out a fire somebody else lit.

And when one slips through anyway, you still do not pay for it. A caller who was told it was free, or who turns out to be over age 85, is credited back to us by the source. We credit it to you, and it comes off your bill.

WHY THESE CALLS ARE DIFFERENT

The best source gets the calls first.

Sources are ranked by how their calls really convert. The best one is first in line. The weakest one is last. Under 20 percent and it is switched off, for good.

  1. 1st Best converting source Gets the first call. Gets the most volume.
  2. 2nd Next best Gets what is left.
  3. Last Weakest source Last in line. Every time.
  4. OFF Under 20% Turned off. Sends nothing.

Measured on every $1,000 spent with a source.

WHY WE DO IT THIS WAY

I am an agent. I take these calls myself, on the same screens, every day.

No agent should lose money, go into debt, or end up looking for another job because of our marketing. So the weak sources go, even when it costs us volume.

That is why the word is Selective.

TESTED

We run it first.

A TV source does not reach you until we have taken its calls ourselves and seen what they do.

RANKED

Best first, always.

Every source is scored every day. The one that converts best is the one sending you calls.

CUT

Weak ones go.

No warning letter. No quarter to turn it around. They stop sending calls.

THE SHORT VERSION

Four things you get. That is it.

1

TV calls

They called you.

2

No ring

Straight into your headset.

3

Your states

Only where you are licensed.

4

One bill

At night. Every call listed.

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01

One button, and a ten second check before it.

You work in Chrome on a computer with a headset. There is one huge round button. Grey means Off. Green and breathing means Ready. Amber means a call is on its way to you right now.

Every single time you go Ready, a ten second check runs first. A tone plays and you confirm you heard it. A live meter proves your microphone is working. Your phone line registers. No pass, no Ready.

  • A bad headset never costs you a call, and never costs a caller one either.
  • We keep a heartbeat with your browser every five seconds. If your tab dies, your laptop sleeps or your internet drops, you go Off within seconds and no call is sent to you.
  • The check also listens for a crackly, quiet or clipping microphone and a shaky connection, and tells you the fix in plain words.
  • On wifi? A blip pauses you for a moment but keeps your Ready time and your place in line, then turns you green again by itself.
  • Coaching tips sit under the button while you wait.
The Selective Inbounds Ready button, large and green
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02

The call lands. There is no ring.

When a caller is transferred to you, the call drops straight into your headset with a soft connected tick. You start talking. That is it.

No ringtone. No press 1. No accept button. No hold music. No voicemail. No IVR. Ever.

  • The call only counts as answered once your browser has actually connected, so a caller is never handed to an empty line.
  • One call at a time. Enforced by the app's own state machine, not by hoping.
  • Down, slow, unknown or unclear all mean not available. Losing a call is acceptable. Connecting a caller to nobody is not.
  • A call ends when the caller hangs up or you press Hang up. Nothing else. Every call records how it ended, and anything that drops on our side alerts us within a minute.
The equipment check screen with a tone test and a live microphone meter
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03

A countdown you can see, and a number you cannot rush.

A big ring fills as the call runs and flips green the moment it counts. The countdown sits on the screen in giant numbers, so you always know exactly how long you have. No counting in your head.

The caller's number stays hidden until the call gets there. That is enforced on the server, not hidden in the page, so nobody can cut a call short to harvest numbers. It protects the call sources, and protecting the sources is what keeps volume flowing to everyone.

  • You see the caller's state from the second the call lands.
  • The hang up button is always in the same place.
A live call screen showing a large timer ring
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04

Your script sits right beside the live call.

The team script is formatted the way a person actually reads it on a call: SAY THIS and ASK THIS rows, with colored section banners so you never lose your place.

  • The call card, the timer and the hang up button stay pinned while you scroll the script.
  • The script is edited in the admin with versions, so you are always reading the current one.
  • A Script tab lets you study it any time you are not on a call.
  • Different campaigns can have different scripts. Each call shows the right one and keeps it for the whole call.
  • Prefer your own words? Paste your own script and use it from the first second. One line stays locked on top of it and can never be removed: you still have to find out their state, their age, and that they are on the phone for life insurance, inside the countdown, or a credit is not issued.
The script panel beside a live call, with SAY THIS and ASK THIS rows
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05

A wrap up you cannot skip, in two taps.

When a call ends you are locked on one question: What happened? Big tiles, always in the same place on the screen, so your hand learns them.

Sold · Follow Up Scheduled · Spanish · Hung Up · No One on Line · Cannot Afford · Not Interested · Carrier Declined · Already has insurance · Over age 80 · Over age 85 · and more

  • Tap, then confirm. Two taps, always, so a slip never records the wrong thing.
  • Sold asks for annual premium, carrier from a list, and plan type: Level, Graded or GI.
  • Sold two on one call? Tap how many policies, up to six, and fill in each one. A husband and wife count as two sales everywhere, so your cost per policy is right. The call is still billed once.
  • No caller personal data is collected, ever, by design.
  • An optional What were they watching? box feeds channel reporting.
  • After the wrap up you are Off until you press Ready again, so nobody gets flooded and every call gets a clean finish.
  • You can go back in My Calls and change a disposition later. Every report follows the change.
The wrap up screen with large answer tiles
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06

Your states. Your caps. Changed by you, in the app.

You tap the states you are licensed in. One tap per state. We write those states into the routing platform automatically and verify the change went through, with a before and after record every single time.

No spreadsheets. No emailing a list to anybody and waiting.

  • Routing matches the caller's state to agents licensed in that state.
  • Calls are split fairly between equal agents by who has waited longest.
  • Your daily, weekly and monthly caps are respected, on Pacific time.
  • An out of state caller is refused at the ping, instantly, so a call for one state never wastes your slot.
The licensed states picker with one tap per state
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07

Numbers that are yours, and only yours.

Your Dashboard shows calls taken, qualified calls, Sold, annual premium written, total spent, cost per policy and average premium per sale. Date range chips across the top.

Every tile shows your cost per acquisition, so you can see what is actually working for you instead of guessing.

Taking more than one campaign? You get a card for each one: its calls, its billable calls, what you spent on it, what it sold and its cost per policy. So you can see which one is actually paying you, and drop the one that is not.

  • Disposition bars, your policy list, your best day, your billable streak.
  • Nothing about other agents, nothing about call sources, nothing about the operator's costs.
The agent dashboard with tiles for calls, qualified calls, sold and premium
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08

Every call you ever took, with the timings.

My Calls holds every call you have ever taken and everything the app knows about it: rang at, answered at, ended at, seconds to answer, who hung up, the disposition and the premium if it sold.

Listen to any call you took. A green Play button under every call opens a player. Jump around it, and Download it if you want to keep it or study it.

Every call also says, in big words, how it ended: the caller hung up, you pressed Hang up, or your headset or internet dropped. No arguing about what happened.

  • Notes you type during the call stay with that call, and they are yours. They live on your own computer, not on our server.
  • The caller's number is shown only once that call had reached its duration.
  • Your recordings have your client's private details in them. Never share one.
The My Calls list showing every call with its timings and disposition
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09

A bill you can actually read.

Your card is saved through our payment provider's own secure box. Our servers never see or store a card number.

One charge each evening after 7 PM Pacific, for that day's qualified calls, at the frozen price of each call. The charge description and the Billing tab itemize it per call: time, connected time, duration, price, total.

  • Short calls and credited calls are listed as not on this bill, so you can see they were not charged.
  • Receipts by email. CSV and PDF whenever you want them.
  • A single call can be credited. It then drops off every report and your cost everywhere, under one rule.
  • A failed card puts you on hold until a new card is saved and the charge goes through. No surprise debt.
  • The Billing tab shows your card, every charge and your signed agreement.
The billing tab showing the card on file and itemized charges
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10

Say yes, and your phone line builds itself.

One sign up page, open to everybody, that never expires. Terms, your name, email, password, phone, your states, the agreement, your card. Two minutes.

Then you tap Yes, set up my phone line, pick your area code, and watch it build. Your number, your line, your routing. There is nothing to buy and nothing to install. No phone system, no SIP, no hardware. A browser and a headset.

  • The agreement is signed in the app with a typed name and a saved PDF on both sides. Every acceptance keeps who, when, the typed name, the IP and the browser.
  • If a new version of the agreement is issued, everyone signs again before their next Ready.
  • Not ready for a line on day one? Leave it. The button waits for you on your Home screen.
The sign up flow showing terms, states and agreement
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THE FE UNDERWRITING GUIDE

The underwriting answer while they are still on the phone.

She says she has COPD. In most places, that is where the call slows down. Here you type it in, and before she has finished her sentence you know who takes her, who grades her, and what she pays a month.

Underwriting lookup open beside a live call, showing carrier grades and monthly rates for a client with COPD and diabetes

COPD

Underwriting lookup results for COPD with grades and monthly rates at three coverage amounts

Diabetes

Underwriting lookup results for diabetes with grades and monthly rates at three coverage amounts

Sample data. Rates are for one made up client and change with age, health and state.

  • It opens on the live call.

    You never leave the call to go and look something up. The panel slides open beside it and the call timer keeps running.

  • Type the condition.

    COPD. Diabetes. Whatever they just told you. Then answer a few quick questions about them.

  • Every carrier, graded at once.

    Level, Graded, GI and more, colour coded so you can read it in a glance while they are still talking.

  • The monthly price, three ways.

    Each carrier shows what she pays a month at $25,000, $20,000 and $15,000 of coverage.

  • Best day one plans first.

    The ones that actually cover her from day one are at the top. You are not hunting.

  • Licensed agents only.

    It lives inside the app. It is not a public tool and it never leaves the platform.

YOU ARE NOT DOING THIS ALONE

A team, a board, and a win everybody sees.

Selling on the phone all day is lonely. So the app put the rest of the floor on your screen.

THE SCOREBOARD

See where you stand.

Billable calls, policies sold and premium written for the whole team. Show your name or hide it, your call. When a teammate sells, a gold bubble pops up for everyone.

SHARE THE WIN

Every sale becomes a picture.

Sell one and the app makes you a clean branded picture to post. Download it, share it, copy the caption. Never a client detail on it. Ever.

THE BELL

You always know what is new.

A bell by your name with a red number. New campaign, new house rule, anything that changes your day. Read it, tap Got it, carry on. It never interrupts a call.

THE GROUP

The team chat.

A Telegram group for the floor. Questions, wins, what is working today. Join the group.

Know a good agent? Bring them.

There is an Invite a friend link in your Settings, ready to copy. For agents we switch it on for, there is a paid referral program on top of it. Ask us what it pays.

THE SAME RULES FOR EVERYBODY

Fair is not a word here. It is the code.

IN LINE

Longest wait goes first.

When a call comes in, it is offered to the agent who has been waiting longest and is allowed to take it. Not the fastest clicker. Not a favourite.

REVIEWED

Dumping a good caller is seen.

Hang up early on a real caller and it counts. Three in a week and you are held until we have listened to those calls with you.

EVERYONE

No private deals.

Every agent plays by the same rules. That is what keeps the sources sending, and the calls coming, for all of us.

NOT BUILT YET

Clip it

A button on the call screen that turns a live call into a short social clip, with every private detail bleeped and blurred. It is not here yet and it has no date. We will not pretend otherwise.

THE RATE CARD

Request prices and durations.

Prices and durations are not posted in public. Tell us who you are and you get the current rate card back the same day.

I am
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