How Buying Insurance Leads Works
Exclusive leads are built for you, not pulled off a shelf. Here is what happens after you order, why there is a minimum spend, and when leads actually start arriving.
How does buying insurance leads work?
Exclusive insurance leads and live transfers are generated on demand: InsureLeads builds a campaign for your state and vertical, so no inventory of fresh leads exists before you order. That build is why a minimum spend exists and why each record has a single buyer. Aged leads already exist and carry no minimum spend.
- Exclusive campaign — $2,500 to launch ($500 build + $2,000 in leads)
- Live transfers — $3,000 to launch
- Aged leads — no minimum spend, delivered immediately on purchase
- Ramp: first leads within days, full volume in 2–4 weeks. No contract on any lead product.
Do you already have leads in my state?
No. This is the single most common assumption buyers arrive with, and it is worth correcting before anything else: InsureLeads holds no stock of fresh exclusive leads waiting for a purchaser. Nothing is sitting in a database with your state on it.
The reason is structural rather than operational. An exclusive lead is exclusive because it was generated for one buyer. A lead already sitting in inventory was, by definition, generated for someone else — and a vendor holding a pile of “exclusive” leads is either reselling them or was never able to promise exclusivity in the first place. Building your leads after you order is what makes the promise real.
Aged leads are the honest exception, and we say so plainly. Those records were generated earlier, they are not exclusive, and they ship the moment you buy them. If what you need is volume today rather than exclusivity, aged leads are the product that actually does that.
What happens after you order
Your first invoice funds a campaign build. These are the steps it covers, in order.
- Campaign configuration
- Standardised vertical funnel
- Consent disclosure configuration
- State and territory targeting
- Lead-routing setup
- Tracking and CRM/webhook testing
- Initial creative deployment
Consent capture is not optional on any of this. Every campaign carries TCPA consent capture on the landing page itself, which is also why we can produce a consent record for any lead you question. The channels feeding your campaign are named before launch — see how we source and verify leads for the sourcing side of this.
Why there is a minimum spend
A campaign build costs the same whether it produces five leads or five hundred. The minimum exists to cover that build and leave enough budget behind it to produce a batch you can actually judge. An exclusive campaign starts at $2,500 to launch, quoted as one invoice: $500 builds the campaign and $2,000 is lead credit.
The second half matters as much as the first. Five leads cannot tell you whether a channel converts — one good call or one bad morning swings the whole result. We would rather lose the sale than take money for a test that cannot produce an answer, which is why we do not quietly shrink a campaign to fit a budget below the floor.
Below is what the lead credit buys in each vertical at our published prices. Whole leads only; any remainder carries forward as account credit rather than being rounded away.
The build fee is waived when you prepay $5,000 or commit to 3 monthly orders of $2,000 or more.
When leads actually arrive
Two different clocks get quoted in this industry, and confusing them is how buyers end up disappointed.
When a lead vendor advertises “leads in seconds,” they mean the second row. Plan your staffing around the first one — and keep your dialer busy with aged records while a campaign ramps, rather than paying people to wait.
How the four products differ
Aged leads are off the shelf. The other three are built to order. That single distinction explains every minimum on the rate card.
No lead product carries a contract. A minimum is a floor on one order; you can buy once, evaluate, and never buy again. For the mechanics of a transfer call itself — the IVR, intake, screening and warm hand-off — read how insurance live transfers actually work.
What "exclusive" actually means
Exclusive means the record is delivered to one buyer and never resold. It does not mean we stop working with other agents in your state, and any vendor implying otherwise while selling to your neighbours is describing a product they are not delivering.
Territory exclusivity is a separate purchase, priced separately: $500 per month for consumer verticals and $1,000per month for IUL, Annuity and Commercial Truck, on top of your normal lead orders. If holding the territory is what you actually want, buy that — do not assume the word “exclusive” on a lead already bought it for you.
What you pay for, and what is refundable
All lead orders are prepaid. Once your campaign has launched, prepaid funds are non-refundable — the build has been done and the spend has started. We would rather you read that here than discover it after paying.
Two protections sit against it, and both are real. If we cannot fulfil your order, unused lead credit is refundable. And individual leads with verified defects — a disconnected number, the wrong person, someone outside your agreed state or age filter, a duplicate, a missing consent record — are replaced or credited when you claim them inside the window. Failure to reach or close a valid prospect is not a defect, and we do not pretend otherwise.
The full terms live on the terms page, and every price referenced above is published on the rate card.
Questions we get asked
Do you already have exclusive leads in my state that I can buy today?
No, and no honest vendor does. An exclusive lead is exclusive precisely because it was generated for one buyer — if it were already sitting in a database waiting for a purchaser, it would have been generated for somebody else first. We build a campaign for your state and vertical, and the leads it produces are yours alone. Aged leads are the one product we do hold: those records already exist, carry no minimum spend, and deliver the same day.
Why is there a minimum spend if there is no contract?
The minimum and a contract are different things. A contract locks you into future months; we do not use one on any lead product. A minimum is a floor on a single order, and it exists because your first order pays for a campaign build — a funnel, consent capture, targeting and routing configured for you — plus enough lead volume to actually tell you something. An exclusive campaign starts at $2,500 to launch. You can order once and never order again.
What if my budget is below the minimum?
Buy aged leads instead. They carry no minimum spend, they deliver immediately, and they are the honest product for a smaller budget. We deliberately do not sell a shrunken exclusive campaign below the floor, because a campaign that cannot fund its own build produces too few leads to judge anything — you would spend money and learn nothing, which is worse than not buying.
You say leads arrive in seconds. Which is it — seconds or weeks?
Both, because they measure different things. Ramp is how long from your order to your first lead: first leads within days, full volume in 2–4 weeks. Delivery latency is how long from a consumer submitting the form to that lead reaching your CRM: seconds after the consumer submits the form. The campaign takes time to stand up; once it is live, individual leads reach you almost instantly.
Does buying exclusive leads mean you stop selling in my area?
No. Exclusive means the record goes to one buyer and is never resold — it does not mean we stop working with other agents in your state. Those are separate things, and vendors who blur them are selling you something they cannot deliver. If you want the territory itself held, that is a distinct product: $500 per month for consumer verticals and $1,000 per month for IUL, Annuity and Commercial Truck, on top of your normal lead purchases.
Can I get my money back if I change my mind?
Once your campaign has launched, prepaid funds are non-refundable — the build has been done and the ad spend has started. Two things do protect you: if we cannot fulfil your order, unused lead credit is refundable; and individual leads with verified defects are replaced or credited under the replacement policy. We state this plainly here rather than in the small print, because a term you discover after paying is how disputes start.