Lead Generation Strategist
Michael Chen
Michael Chen is a digital marketing and lead generation specialist with a decade of experience in insurance performance marketing. He advises agencies on lead source evaluation, ROI analysis, and multi-channel lead management. Michael began his career running paid acquisition for an ACA-focused call center, where he built the attribution and cohort analysis systems that let the operation scale from 30 to 300 agents without losing profitability. From there he moved into consulting, working with insurance agencies, IMOs, and lead vendors on everything from landing page optimization to dialer routing and data hygiene. He has managed multi-million-dollar ad budgets across Google, Meta, and native platforms, and has sat on every side of the lead transaction — buyer, seller, and generator. Michael writes for InsureLeads on lead ROI calculation, live transfer economics, aged lead workflows, and how agencies should evaluate new vendors. His approach is data-driven and skeptical of industry marketing claims: every recommendation he publishes is grounded in actual cost and conversion math he has run.
Articles by Michael Chen
How to Generate Term Life Insurance Leads: 8 Proven Strategies for 2026
8 proven strategies for generating term life insurance leads in 2026, from SEO and paid search to social media, referral…
Life InsuranceAged Life Insurance Leads: The Budget Strategy for High-Volume Agents
Aged life insurance leads offer the lowest cost per lead in the industry at $2-$8 each. Learn optimal age windows, multi…
Life InsuranceExclusive vs Shared Life Insurance Leads: Why Exclusivity Drives ROI
Exclusive life insurance leads cost more upfront but deliver 2-3x higher close rates than shared leads. See the full ROI…
Final ExpenseHow Much Do Final Expense Leads Cost? 2026 Pricing Breakdown
Final expense leads cost between $15 and $65 depending on format, age, and exclusivity. This 2026 pricing breakdown cove…
Final ExpenseFree Final Expense Leads: Do They Actually Exist?
Every final expense agent wants free leads, but "free" is misleading. We break down 7 methods for generating final expen…
Final ExpenseExclusive vs Shared Final Expense Leads: ROI Comparison
Exclusive final expense leads cost more per lead than shared leads, but the ROI tells a different story. This data-drive…