Aged Leads
Aged insurance leads are previously generated insurance inquiries, sold off the shelf and priced by vertical and by how old the record is: $0.25 to $12 per lead, in four age bands from 30 days to over a year. Aged orders carry no minimum spend and are delivered immediately on purchase. They suit experienced dialers on a budget. Aged leads are not exclusive unless they have genuinely never been resold.
Planning bands, not our results. Any contact-, show-, close- or conversion-rate range on this page is a published planning band — an industry-typical range we publish so you can model a budget before you buy. These are not measured InsureLeads client outcomes: we hold no audited buyer-outcome dataset and publish no client outcome data. How we model lead performance.
Aged Leads: High Volume at a Fraction of the Cost
Aged insurance leads are previously generated leads — anywhere from 30 days to more than a year old — that are available at a steep discount compared to fresh leads. While aged leads have lower close rates than live transfers or same-day web leads, they offer an unmatched cost-per-acquisition opportunity for agents who are skilled at re-engagement, follow-up sequences, and consultative selling. Many top-producing agents use aged leads as the foundation of their prospecting system.
The economics are compelling: whereas interest-verified live transfers cost $90–$300 per connected call and exclusive web leads run $35–$125 depending on vertical, aged leads cost $0.25–$12 per record depending on age band and vertical. At that price point, even a 2–5% close rate can produce a positive return on investment. That 2–5% is a planning band, not a measured InsureLeads result, and it assumes a structured multi-touch follow-up (call + text + email over 7–14 days) rather than a single dial.
InsureLeads offers aged leads across all insurance verticals in every state. You can filter by age band (30–90, 91–180, 181–365, or 365+ days), vertical, state, and even ZIP code. Aged leads are available for immediate download after purchase and carry no minimum spend — they are the one product we do not build to order, so there is no campaign cost to cover. The per-lead price is set by the age band, not by how many records you buy.
Aged Leads Features
- ✓ 89-94% lower cost than real-time exclusive leads
- ✓ Available in bulk for high-volume operations
- ✓ Priced in four age bands — the older the record, the lower the price
- ✓ Segmented by age range, state, and time period
- ✓ Delivered immediately on purchase, with no minimum spend
- ✓ Ideal for training new agents
Ideal For
- → High-volume dialing operations
- → Training and onboarding new agents
- → Budget-conscious solo agents
- → Agencies building call lists for campaigns
How Aged Leads Work
Lead Generation
A consumer originally submitted an insurance inquiry through one of our lead generation campaigns — anywhere from 30 days to over a year ago.
Lead Aging
After the initial delivery period, uncontacted or unconverted leads enter our aged lead inventory.
Your Purchase
You select leads by vertical, state, date range, and other filters. Leads are delivered in bulk via CSV or CRM upload.
Your Outreach
You work the leads through your dialer or CRM. Plan several touches per record (call, text and email), because an aged record may already have heard from another agent.
Aged Leads Available For
Get aged leads for any insurance vertical
Final Expense Leads
Connect with seniors actively seeking affordable burial and end-of-life insurance coverage. Our final expense leads are pre-qualified and ready to talk.
Learn More →Medicare Leads
Reach seniors turning 65 or entering Special Enrollment Periods who are actively researching Medicare Supplement and Medicare Advantage plans.
Learn More →ACA / Health Insurance Leads
Connect with individuals and families shopping for ACA marketplace health insurance plans during Open Enrollment and Special Enrollment Periods.
Learn More →Life Insurance Leads
Reach individuals and families actively seeking term life, whole life, and universal life insurance quotes for income protection and estate planning.
Learn More →Auto Insurance Leads
Connect with drivers actively shopping for auto insurance quotes. High-intent consumers comparing rates and ready to switch providers.
Learn More →Home Insurance Leads
Connect with homeowners and home buyers shopping for property insurance, including homeowners, renters, and flood insurance coverage.
Learn More →IUL Leads
Connect with high-net-worth individuals and retirement-focused prospects actively researching Indexed Universal Life insurance for tax-free retirement income and cash value growth.
Learn More →Commercial Truck Leads
Reach owner-operators, motor carriers, and trucking fleets actively shopping for primary liability, physical damage, and cargo coverage — including new-authority ventures.
Learn More →Annuity Leads
Connect with pre-retirees and retirees actively researching fixed, indexed, and income annuities for principal protection and guaranteed retirement income. Exclusive, retirement-focused prospects for licensed annuity agents and advisors.
Learn More →Aged Leads FAQs
Aged insurance leads cost $0.25 to $12 per lead, set by vertical and by the age band of the record. From the 30–90-day band down to the 365+-day band: Final Expense $3 to $0.50; Medicare $5 to $0.75; ACA / Health $3.50 to $0.50; Life Insurance $4 to $0.60; Mortgage Protection $5 to $0.75; Auto Insurance $2 to $0.25; Home Insurance $2.50 to $0.30; IUL $12 to $2; Commercial Truck $12 to $2; Annuity $12 to $2. The 91–180-day and 181–365-day bands sit between the two. Final expense, life and trucking each have a dedicated aged page: /aged-final-expense-leads, /aged-life-insurance-leads and /aged-trucking-insurance-leads.
Aged leads cost 89-94% less than real-time exclusive leads. For agencies with strong follow-up systems and experienced dialers, the cost-per-acquisition can actually be lower than real-time leads. Whether they are worth buying for your operation is worked through in /blog/aged-insurance-leads-guide.
Aged leads are priced in four age bands: 30-90 days, 91-180 days, 181-365 days, and 365+ days. The older the record, the lower the price — that pricing ladder is the discount, so there is no separate haggling over age.
Yes. Aged ACA / health leads cost $3.50 in the 30–90-day band and $0.50 past 365 days, with no minimum spend. The catch is timing. HealthCare.gov states that outside Open Enrollment a consumer can enroll in or change a Marketplace plan only with a Special Enrollment Period, which follows a qualifying life event such as losing health coverage, moving to a new ZIP code or county, getting married or having a baby (verified October 2026). Most of those events qualify only within 60 days, so ask about recent changes on the first call. Enrollment windows are covered on /open-enrollment-leads, and fresh ACA campaigns on /aca-health-insurance-leads.
Aged leads are not exclusive unless they have genuinely never been resold, and they may have been delivered to another agent previously. That is why they are sold as-is at a steep discount: within their labelled age they are not returnable for prior contact or staleness, only for a documented duplicate of a record already sold to you, or a delivery outside the state or vertical you ordered, within 72 hours (see /refund-policy).
There is no minimum spend on aged leads. Aged records already exist, so unlike an exclusive campaign there is no build to fund — they are sold by segment (state, vertical and age band) rather than as loose single records.