Frequently Asked Questions
Everything you need to know about buying insurance leads from InsureLeads.
General Questions
InsureLeads offers leads across 9 insurance verticals: Final Expense, Medicare, ACA/Health, Life Insurance, Auto Insurance, Home Insurance, IUL (Indexed Universal Life), Annuity, and Commercial Truck. Each vertical is available in three delivery formats — Live Transfers, Exclusive Web Leads, and Aged Leads — giving agents 27 distinct lead products to match their sales process.
Yes. All real-time web leads and live transfers from InsureLeads are 100% exclusive — each lead is delivered to a single agent and never resold. Aged leads may have been previously delivered to one other agent and are priced at a significant discount accordingly.
Real-time web leads are delivered within seconds of form submission via email, SMS, or direct CRM integration. Live transfers connect you with the prospect while they are still on the phone. Aged leads are delivered in bulk batches at the time of purchase.
InsureLeads generates leads in all 50 states across every insurance vertical we offer. Volume varies by state population and market demand, but coverage is nationwide. You can target by state, county, metro area, or ZIP code.
Pricing & Billing
Pricing varies by vertical and delivery format. Real-time exclusive web leads range from $35 to $125 per lead, interest-verified live transfers from $90 to $300 per connected call, and aged leads from $0.25 to $12 depending on age band and vertical. The pre-vetted, partially underwritten Final Expense transfer tier is a separate product at $250 per Guaranteed Issue transfer and $300 per Level/Graded transfer. Volume discounts start at $5,000 per month.
There is no long-term contract — everything is month-to-month, and you can adjust your volume, change verticals, or stop at any time without penalty. Orders do carry a minimum: $1,000 for fresh exclusive leads, $250 for aged, 10 transfers or $1,000 (whichever is higher) for live transfers, and 5 appointments or $1,250 (whichever is higher) for preset appointments.
We replace leads with verified invalid contact information — disconnected or wrong numbers, undeliverable emails, duplicates, or leads outside the state or vertical you specified — when you submit them within the return window shown on your order confirmation. We do not guarantee conversion rates or sales outcomes, because closing depends on agent skill, follow-up speed, and local market factors. The full policy is published at /lead-replacement-policy.
We accept all major credit cards, ACH bank transfers, and wire transfers for Enterprise accounts. Prepaid lead packages and monthly subscription billing are both available.
Compliance & Lead Generation
Every lead workflow should include clear consent language and documentation before contact. Consumers must provide permission for phone and text outreach, and you should keep your own records alongside any campaign-level consent logs.
InsureLeads generates leads through organic search campaigns and educational content — not pay-per-click aggregators. Consumers find our properties while actively researching insurance coverage on Google, complete a request form, and their verified information is delivered to you.
Yes, provided you follow TCPA rules and applicable state telemarketing laws. Our consent language covers both phone and text outreach. We recommend reviewing your state's specific telemarketing regulations and maintaining your own compliance documentation.
Still Have Questions?
Our team is ready to help you find the right lead solution for your agency.