Pricing & Billing
How our pay-per-lead pricing works, what payment methods we accept, when volume discounts kick in, what the refund policy looks like, and how to get clean invoices for your accounting. Transparent published pricing — no hidden setup, platform, or cancellation fees.
Pricing & Billing — Questions & Answers
InsureLeads uses a pay-per-lead model with transparent, published rates rather than a subscription or performance-based model. You pay a fixed price for each lead delivered, and that price is published in advance by vertical and delivery format. Fresh exclusive web leads run $35–$125 per lead depending on vertical. Interest-verified live transfers — a screener confirms interest, age and state before the handoff — run $90–$300 per billable transfer. Aged leads run $0.25–$12 per record depending on the age band. Pre-vetted, partially-underwritten final expense transfers are a separate product, priced at $250 Guaranteed Issue / $300 Level & Graded. There is no platform fee and no setup fee on a standard lead order, but there are published minimum orders: $1,000 for fresh exclusive leads, $250 for aged, 10 transfers or $1,000 (whichever is higher) for live transfers, and $2,500 for a dedicated campaign with your own territory and filters. Volume discounts are published and applied on monthly spend — $1,000–$4,999: No discount · $5,000–$9,999: 5% · $10,000–$24,999: 8%. We do not offer performance-based billing (pay-per-sale) because it creates an incentive to send lower-quality leads; flat per-lead pricing aligns our incentives with yours: deliver the best possible lead every time. Every rate above is on the pricing page.
There is a published minimum order per product, but no monthly commitment. Fresh exclusive leads start at $1,000. Aged leads start at $250. Live transfers start at 10 transfers or $1,000, whichever is higher. Preset appointments start at 5 appointments or $1,250, whichever is higher. A dedicated campaign — your own territory, filters and routing — starts at $2,500. Those are order floors, not commitments: we set them because three or five leads cannot tell you anything reliable about lead quality or conversion. There is no annual commitment, no cancellation fee, and no clawback. You can pause your account indefinitely and reactivate later without re-onboarding. Preferred pricing is not something you have to sign for — the published volume-discount ladder applies automatically on monthly spend ($1,000–$4,999: No discount · $5,000–$9,999: 5% · $10,000–$24,999: 8%).
We accept Visa, Mastercard, American Express, Discover, ACH bank transfer, and wire transfer. ACH payments receive a 2% discount, and there is no card surcharge — processing is built into the price. Billing is prepaid: you fund a lead wallet in your dashboard and each delivered lead is debited from the balance in real time. The published minimum orders set the floor on what you fund — $1,000 for fresh exclusive leads, $250 for aged, and 10 transfers or $1,000 (whichever is higher) for live transfers. When your wallet falls below a threshold you set, we send an auto-reload or a notification email — you pick. Accounts running $10,000+ a month can move to weekly invoicing after 3 on-time prepaid cycles; we do not offer net-30 to new buyers. We do not store card details on our servers; all card data is tokenized through Stripe. International wires are accepted but add roughly $25 in bank fees and take 2–3 business days to clear before delivery begins.
Yes, and the ladder is published rather than negotiated. Discounts apply automatically on monthly spend — not on lead count — once you cross a published band: $1,000–$4,999: No discount · $5,000–$9,999: 5% · $10,000–$24,999: 8%. 8% is the deepest discount we publish. The ladder applies across formats, so exclusive web leads, live transfers and aged records all count toward the same monthly spend. Aged leads are already priced far below real-time rates, so they help you reach a band rather than carrying a separate curve of their own. Discounts apply to prepaid package pricing but not on top of introductory promotions. For agencies running multiple producers under one master account, spend is aggregated across sub-accounts — five producers each spending $2,000 a month reach the $10,000–$24,999 band together even though none individually would.
Leads with verifiably bad contact information are refundable for account credit within 72 hours of delivery. Eligible return reasons include: disconnected phone number, wrong number (not the person on the lead), duplicate of a lead you already purchased from us in the last 90 days, consumer under 18 or otherwise outside the agreed age band, or consumer in a state you did not request. Returns are submitted through your dashboard with a short note and, where relevant, a call recording or screenshot; most are processed in under 24 hours. We do not refund leads for conversion outcomes (consumer said no, did not buy, decided to go with a different carrier, etc.) because those are sales outcomes, not lead quality issues. Historic return rates across our book are 4–9% depending on vertical.
No hidden ones. On a standard lead order the published per-lead price is the only price: no setup fee, no monthly platform fee, no webhook fee, no cancellation fee, and no reactivation fee. Two fees do exist, both published and both optional. First, a dedicated campaign — your own territory, filters and routing — carries a $500 campaign launch fee, which is part of the $2,500 initial invoice (the rest is lead credit) and is waived on Growth and Scale prepaid volume. Second, a custom CRM or API integration outside our standard connector list — a proprietary dialer, a custom data warehouse — is quoted at $500–$1,500 setup, approved by you in writing before any work starts. Sales tax is added only where required by the buyer's state of record; most states do not tax lead-generation services. Fraud-protection and compliance scrubbing (TCPA Litigator List check, DNC wash for non-SAN accounts, duplicate check) are included at no additional cost on every lead.
Yes. Every transaction — wallet reload, lead debit, refund, adjustment — generates a PDF invoice in your dashboard under Billing → Invoices. Invoices include our EIN, your business name, billing address, itemized charges, and a running summary so your bookkeeper can reconcile against your bank statement. We can also send monthly consolidated statements to a dedicated billing email; just add the address in account settings. For 1099-heavy structures (independent agents operating as sole props or LLCs), we do not issue a 1099 because we are a vendor to you, not the other way around — your lead spend is a deductible business expense that you self-report on Schedule C or your entity's return. If your CPA needs a W-9 from us, request it in-app and we send it the same day.