CCM Final ExpenseComplete Care Marketing · final expense life insurance, one screen, start to finish
Agent Call Portal
Guided final expense sales script with the Compliance Lock enforced live — required steps (recorded line, health questions word for word, replacement, voice signature) must be confirmed before the call can move forward.
Phone
Checking phone setup…
It can’t call 911 — in an emergency use a landline or mobile phone.
Not available
Incoming call
On call0:00Listening…
Parked calls
Watching callReady for next call
Compliance gates
Live transcript
Script
What they want
Captured
Missed-call messages
When you can’t pick up, an AI assistant takes a detailed message. It never discusses plans or prices — the topics are the caller’s request, for you to confirm and document on the call back.
Call script progress0 / 17 sections complete
Call disposition
If this call isn't ending in a sale, set the disposition here — it drives the follow-up queue automatically. If it IS a sale, skip this and use Generate application link below instead.
Policy selection
Quote — illustrative test rates
Fictional carriers and illustrative test rates — not a quote. Health answers decide the plan type: any part 1 “yes” = guaranteed issue, any part 2 “yes” = graded, else immediate (level).
Product
Carrier
Type
Coverage
Monthly
Savings comparison — count the money
Benefit / cost
Now
New
Frequency
Compare these with them, row by row — the new plan gives more hereSame as today — fine to confirmNot where this plan shines — keep the conversation on the green rows
Annual money stack summary
All values converted to annual — monthly ×12, quarterly ×4. Net = new plan value minus current.
Current
$0/yr
New plan
$0/yr
Net annual
+$0/yr
Quick calculator=$0.00
Client message — what gets sent
Compiles the policy summary (product, coverage, monthly premium, beneficiary, draft date) and your contact info into the message the client receives. Saved here either way — for retention, you can always show exactly what they were sent.
Generate application link & send
17 sections still incomplete. Complete all sections above for full compliance before sending.
Open e-application →Carrier agent portal (placeholder)Carrier e-application (placeholder)
Submit the application in the carrier's own system with your own credentials — client data doesn't cross over automatically, browsers block that between origins. Use Copy summary to paste it in once you're there.
Every call, live and recent. Watch follows the transcript and compliance gates as they
happen, Listen plays both sides live, and finished calls play back from their recording.
Calls
Testing modeFire a test call. Whichever side isn’t AI is you, on your mic (headphones help).
24/7 service line: the AI assistant takes a call from Harold, an AI client (fake data).
Retention agent: the AI retention agent calls an AI client (fake data) with the active retention script.
Missed-call intake: an AI caller reaches the AI message-taker (fake data). Nothing is dialed.
Test call qualityeach loop, newest first — what to fix next
Call
Customer
Score
Length
Dead air
Longest gap
Loops
Made-up numbers
Reply (90%)
Talk-over
Gates failed
Opens the next call that goes live, from its first second (catch-up plays at real speed, with
“Jump to live”). Stays on for the call after until you turn it off, even across a reload — after a reload,
click the page once so the browser allows sound.
Started
Agent
Status
Length
Gates
Disposition
No calls yet.
Sales coaching
Manager Review
Every final expense application across every agent, in one place — status, compliance flags, and a timestamped audit trail with zero manual pull.
All applications
Code
Client
Agent
Policy
Status
Compliance
Created
No applications yet — create one from the Agent Call Portal.
Retention
Every policyholder, in one place: the automated welcome texts, emails and AI calls, policy milestones, reminders, and a logged history. Nobody falls through after the sale.
Signed clients
No signed clients yet — sign one from the Client Portal first.
Follow-up queue — not yet applied
Every call that didn't close gets a defined next action — nobody just goes cold.
No open leads right now — everything in progress has either signed or been closed out.
Filled into the policy section.
Illustrative test rates from fictional carriers — not a quote.
Disposition this call
Required before your next call — if the call dropped, you can call back first.
COMPLIANCE LOCK
Read this now — it unlocks automatically when heard
Listening to the call…
D
Coach
VCAP Live
Compliance Lock™ — live call simulation
Two different ways this catches a shortcut — missing one required line, or skipping a whole section — plus what it looks like when an agent just does it right.
VOICES (pick the best-sounding ones on this computer):
Agent: J. Ramirez · UnitedHealthcare MAPD REC
○ Recorded line delivered
○ Contact info verified
○ Medicare disclaimer read
○ Scope of Appointment confirmed
○ MARx permission obtained
○ Needs analysis complete
ENROLLMENT LOCKED
Agent moved toward system access before completing needs analysis.
Required — ask and obtain a clear yes/no“Do I have permission to look you up in the Medicare system?”
Need a manager
Pick the priority — this goes straight to the manager Slack channel.