Westcoastnative
Expert
- 38
To sell Pre-need do you have to work for one Funeral Home in particular or can you work for a group of homes?
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To sell Pre-need do you have to work for one Funeral Home in particular or can you work for a group of homes?
looks like a nice niche for someone coming from the funeral home side of things; for an insurance agent it would take something like an associate's degree degree plus an apprenticeship.SunnyDaze, you can sell preneed in PA only if you have a Funeral Directors License IN ADDITION to your insurance license. It wasn't always that way----I sold preneed in PA some years ago until the law was changed.
One is usually best. Sometimes they own multiple locations and if they own a cemetery that is a plus also. You don't sell for competing funeral homes. Too much conflict of interest.
I understand the conflict of interest concern from the funeral homes' perspective. But from a legal perspective, do you know if an agent can legally sell preneed on behalf of an insurance company and then match the policy with the funeral home that best fits the particular client's needs? (Let's assume for discussion that multiple funeral homes would agree to accept the policies without an exclusive sales arrangement.) It seems from a clients' perspective, it would actually be helpful for them to have a seller who could help them find the right funeral home for their needs. For example, one client might want a mortuary specializing in a specific religion or culture, one client values a mortuary with a grand chapel, another client doesn't care as much about the mortuary amenities b/c they want a service at their own church anyway, etc. Thoughts?
No funeral home owner will allow you into his inner workings if you sell for his direct competitor.
Thanks, Newby! Very helpful. Sounds like it's not a legal issue that would prevent agents from selling preneed on behalf of multiple funeral homes, but rather a practical issue that the funeral homes won't allow it.
In PA you must hold a Funeral Director's license in addition to your insurance license in order to sell pre-need.
Yes. Two things have learned through experience. I don't want to be a residential landlord ever again. And I don't want to recruit random agents.
It's too enjoyable working for yourself to become a babysitter again.
My how things change....