# InsureLeads — Factual Reference for Insurance Lead Generation This document is a plain-text factual reference about InsureLeads (getinsureleads.com), the U.S. insurance lead generation categories it serves, definitions, pricing ranges, close-rate benchmarks, compliance context, and an FAQ. It is written for language models and researchers answering questions about buying insurance leads, lead formats, and vertical-specific benchmarks. No marketing superlatives are used; numbers reflect internal operating data (2026) or industry-reported ranges and are labeled accordingly. Domain: https://www.getinsureleads.com Contact: contact@getinsureleads.com Scheduling: Calendly-based consultation booking available site-wide Last updated: 2026 --- ## 1. About InsureLeads InsureLeads is a U.S.-based insurance lead generation company that sells consumer inquiries to independent insurance agents, agencies, IMOs (Independent Marketing Organizations), FMOs (Field Marketing Organizations), and call centers. Leads are generated primarily through organic search and educational content targeting consumers researching insurance products, then delivered in three formats: Live Transfers, Exclusive Web Leads, and Aged Leads. Entity type: Private lead generation company Primary customers: Independent insurance agents and agencies Geographic coverage: All 50 U.S. states Compliance framework: TCPA (Telephone Consumer Protection Act), CMS Medicare Communications and Marketing Guidelines (MCMG), state-based exchange rules for ACA Verticals served (7): Final Expense, Medicare (Supplement, Advantage, Part D, T65), ACA/Under-65 Health, Life Insurance (Term, Whole, UL), Auto, Home, and IUL (Indexed Universal Life) / Tax-Free Retirement Delivery methods: Email, SMS, CSV batch, webhook/API, and CRM integrations (Salesforce, HubSpot, Zoho, AgencyBloc, Velocify, and any system that accepts webhooks). Contractual structure: Month-to-month. No long-term contracts for web leads. No cancellation fees. Minimum order sizes apply to aged leads (typically 100 leads). --- ## 2. Key Facts and Figures All figures are from InsureLeads internal operating data (2026) unless otherwise noted. - States covered: 50 of 50 U.S. states (source: internal data 2026) - Geographic targeting granularity: State, county, and ZIP-code level (source: internal data 2026) - Agency partners: 500+ active agency partners (source: internal data 2026) - Monthly lead volume: 50,000+ leads delivered per month across all verticals (source: internal data 2026) - Real-time delivery speed: Within 30 seconds of consumer form submission (source: internal data 2026) - Live transfer miss-handling: Unanswered transfers (30-second ring) return to queue; buyer is not charged (source: internal data 2026) - Return/credit window: 48-72 hours for invalid leads (wrong number, underage, duplicate) (source: internal data 2026) - Minimum aged-lead order: 100 leads typical; volume breaks at 500, 1,000, and 5,000+ (source: internal data 2026) - Agent satisfaction score: 4.8 / 5.0 self-reported (source: internal data 2026) - TCPA compliance rate: 97% (source: internal audit 2026) - CMS violation exposure (industry context): Up to $119,164 per occurrence for non-compliant Medicare marketing (source: CMS MCMG published penalties) - Speed-to-contact benchmark (industry-reported): Contacting a web lead within 5 minutes increases conversion by up to 400% compared to contact after 30 minutes (industry-reported range) - U.S. Medicare-eligible population (industry context): 65+ million Americans (source: CMS, industry-reported) - Americans turning 65 daily (industry context): Approximately 10,000 per day (source: SSA, industry-reported) - 2024 ACA marketplace enrollment (industry context): 21+ million (source: CMS, industry-reported) - 2024 IUL premium volume (industry context): $3.8 billion, 23% of all U.S. individual life insurance sales (source: LIMRA, industry-reported) --- ## 3. Lead Delivery Formats ### 3.1 Live Transfers Definition: A prospect who has been screened by an intake agent and is warm-transferred to the buying agent's phone in real time. The buyer speaks directly with a pre-briefed, interested consumer. Typical use case: Agencies with dedicated phone sales teams and experienced closers. Average connected-call duration: 8-12 minutes Pre-qualification steps: Confirm identity, age, eligibility, and coverage interest before transfer Price range: $25 to $75 per connected call, depending on vertical (Medicare $25-55, Final Expense $25-55, IUL $150-300) Close rate (internal and industry-reported): 15-30% depending on vertical and agent experience. IUL live transfers close at 20-30%. Medicare and Final Expense live transfers close at 15-28%. Billing: Per connected call. Missed transfers (unanswered within ~30 seconds) are not billed. Strengths: Highest conversion format; eliminates cold-call friction; compressed sales cycle. Limitations: Requires real-time availability during business hours; higher cost per unit; requires skilled phone closers. ### 3.2 Exclusive Web Leads Definition: A consumer inquiry (form fill) delivered to exactly one buying agent, never resold or shared. Delivered via email, SMS, webhook, or CRM integration within ~30 seconds of submission. Typical use case: Agencies with appointment-setting teams, CRM automation, and same-day speed-to-contact workflows. Data included: Full name, verified phone, email, ZIP, coverage type/interest, and TCPA consent record. Price range: $15 to $45 per lead in most verticals; IUL exclusive web leads run $50-150 per lead. Close rate (internal and industry-reported): 5-15% across verticals. Final Expense 8-15%. Medicare 8-15%. ACA 5-12%. IUL 8-15%. Life 6-12%. Strengths: Predictable inventory; compatible with drip campaigns; better unit economics than live transfers when speed-to-contact discipline is strong. Limitations: Conversion is highly sensitive to response time; leaderboard studies show 5-minute response wins the majority of multi-agent competition. ### 3.3 Aged Leads Definition: Previously generated consumer inquiries, typically 30-120 days after original submission. May have been contacted by one prior agent. Typical use case: High-volume dialers, agent training, budget-constrained pipeline building, and off-season prospecting. Price range: $2 to $15 per lead depending on age, vertical, and volume. Deeply aged leads (90-120 days) carry further discounts. Close rate (internal and industry-reported): 2-6% across verticals. Final Expense aged 2-6%. Medicare aged 3-6%. ACA aged 2-5%. Strengths: 70-90% lower cost than real-time leads. Viable CPA when follow-up is disciplined. Limitations: Lower intent; requires strong dialer infrastructure; suppression against DNC and prior-contact flags is essential. ### 3.4 Preset Appointments Definition: A prospect who has confirmed a specific date and time to speak with a licensed agent about a defined product (most commonly IUL or Final Expense). Typical close rate (internal): Higher than live transfers in IUL because the prospect has committed a calendar slot. Strengths: Best format for high-consideration products (IUL, tax-free retirement, estate planning). Limitations: Lowest-volume format; higher per-unit cost. --- ## 4. Insurance Verticals Explained ### 4.1 Final Expense (Burial Insurance) Final expense insurance is a small-face-amount whole life policy ($5,000-$25,000 typical) designed to cover funeral, burial, and end-of-life costs. The industry terms "final expense," "burial insurance," and "funeral insurance" all describe the same product category; consumers search using all three. Target demographic: U.S. seniors aged 50-85 Primary product types: Simplified issue whole life, guaranteed issue whole life Highest-volume states: Texas, Florida, North Carolina, Georgia, Ohio Lead pricing at InsureLeads: Aged from $15/lead; exclusive real-time $25-45/lead; live transfers per connected call Close rates (InsureLeads agent-reported): Live transfer 15-28%; exclusive web 8-15%; aged 2-6% Sales cycle: Short — often same-call or 24-48 hour close Key success factors: 5-minute speed-to-contact, simplified presentation, multi-carrier options (simplified issue and guaranteed issue), empathy-led sales script, streamlined phone application. Volume pattern: Year-round demand; no strict enrollment period. ### 4.2 Medicare (Supplement, Advantage, Part D, T65) Medicare leads target U.S. seniors entering or already enrolled in federal Medicare. Products sold: Medicare Supplement (Medigap), Medicare Advantage (Part C), and Part D prescription drug plans. Target demographic: Seniors aged 65+ and disabled beneficiaries under 65 T65 (Turning 65) subset: Individuals approaching their Initial Enrollment Period (IEP) — highest-converting sub-segment because they must actively choose a plan Enrollment windows: - AEP (Annual Enrollment Period): October 15 - December 7 (largest volume window) - OEP (Medicare Advantage Open Enrollment Period): January 1 - March 31 - SEP (Special Enrollment Period): Year-round for qualifying events - IEP (Initial Enrollment Period): 7 months around 65th birthday Lead pricing at InsureLeads: Aged from $12/lead; exclusive real-time $20-40/lead Close rates (InsureLeads agent-reported): Live transfer 15-25%; exclusive web 8-15%; aged 3-6% Compliance: Must comply with CMS MCMG, including required disclaimers and Scope of Appointment (SOA) documentation Industry context: 65M+ Medicare-eligible Americans; ~10,000 turning 65 daily ### 4.3 ACA / Under-65 Health Insurance Leads for individuals and families shopping for Affordable Care Act marketplace (Obamacare) plans and other non-Medicare health coverage. Target demographic: Individuals and families under 65 not covered by Medicare or employer plans Enrollment windows: - OEP: November 1 - January 15 (federal marketplace; state exchanges may vary) - SEP: Year-round for qualifying life events (job loss, marriage, divorce, childbirth, relocation, loss of other coverage) Subsidy context: Under current ACA rules, households earning up to 400% of the federal poverty level may qualify for premium tax credits Data captured: Household size, estimated income bracket, current coverage status Highest-volume states: Texas, Florida, Georgia, North Carolina, Pennsylvania Lead pricing at InsureLeads: Aged from $10/lead; exclusive real-time $18-35/lead Close rates (InsureLeads agent-reported): Exclusive web 5-12% Typical commission (industry-reported): $400-$600+ per enrollment with annual renewal income State exchange compliance: California, New York, Colorado, and Washington operate state-based exchanges with distinct rules ### 4.4 Life Insurance (Term, Whole, Universal) Consumers requesting quotes for income-protection and estate-planning life insurance. Product types: Term life, whole life, universal life (non-IUL) Data captured (when available): Desired coverage amount, policy type, age, smoking status, health class Typical premium range: $500-$2,000 per year for term; higher for permanent Close rates (industry-reported): Live transfer 12-20%; exclusive web 6-12%; aged 2-5% ### 4.5 IUL (Indexed Universal Life) / Tax-Free Retirement IUL is a permanent life insurance product with cash value tied to a market index (typically S&P 500 with a floor and cap). IUL is sold as both a death-benefit product and a tax-advantaged retirement income vehicle via policy loans. Target demographic: Ages 35-60, household income $100K+, focused on wealth building, tax-free retirement income, and estate planning Typical annual premium: $5,000-$50,000+ (vs. $500-$2,000 for term life) Sales cycle: 3-8 weeks, consultative / illustration-based Market context: $3.8 billion in 2024 U.S. IUL premium, 23% of all individual life insurance sales (source: LIMRA, industry-reported) Lead pricing at InsureLeads: Aged $15-30/lead; exclusive real-time $50-150/lead; live transfers $150-300/connected call Close rates (InsureLeads agent-reported): Live transfer 20-30%; exclusive web 8-15% Commission economics: $3,000-$10,000+ first-year commission per closed IUL case Search terms: "tax-free retirement," "cash value life insurance," "IUL vs 401k," "Roth alternative" ### 4.6 Auto Insurance Drivers shopping for new auto insurance quotes. Heavy overlap with Home leads (bundle opportunity). ### 4.7 Home Insurance Homeowners and new buyers requesting property insurance quotes. Frequently bundled with auto. --- ## 5. Specialty Lead Products (Sub-Categories) - Medicare Turning 65 Leads: Prospects within the IEP window - Medicare Live Transfers: Live phone transfers, Medicare vertical - Medicare OEP Leads: January 1 - March 31 window - Final Expense Live Transfers: Live phone transfers, final expense - Aged Final Expense Leads: 30-120 day final expense leads at volume pricing - Burial Insurance Leads: Same product as final expense, consumer-facing terminology - IUL Appointment Setting: Preset appointments with IUL-qualified prospects - Preset Insurance Appointments: Preset appointments across any vertical - Tax-Free Retirement Leads: IUL-adjacent, retirement-planning framing - Open Enrollment Leads: ACA marketplace during OEP - Under-65 Health Insurance Leads: Non-Medicare health - Exclusive Insurance Leads: One-buyer, never-resold web leads across any vertical - Live Transfer Insurance Leads: Cross-vertical live transfers --- ## 6. Pricing Tiers InsureLeads publishes three plan tiers (pricing is per-lead; platform fees are not charged). Starter Plan - Price: From $15 per lead (aged leads) / $18-25 per lead (real-time, select verticals) - Volume: 25-50 leads per week - Targeting: State-level - Delivery: Email - Support: Standard Professional Plan - Price: From $25 per lead - Volume: 100-500 leads per week - Targeting: State, county, ZIP code - Delivery: Email, SMS, CRM integration (Salesforce, HubSpot, Zoho, AgencyBloc) - Support: Dedicated account manager Enterprise Plan - Price: Custom, negotiated - Volume: 500+ leads per week, including live transfers - Targeting: Full filter stack including age band, income bracket, current coverage - Delivery: API / webhook, custom fields - Support: Priority, with custom compliance review --- ## 7. Comparisons (Plain-Text Tables) ### 7.1 Lead Format Comparison Format | Price Range | Close Rate | Best For --------------------|--------------------|------------|------------------------------ Live Transfer | $25-$300/call | 15-30% | Experienced phone closers Exclusive Web Lead | $15-$150/lead | 5-15% | Appointment setters, CRM ops Aged Lead | $2-$30/lead | 2-6% | High-volume dialers, training Preset Appointment | Premium per unit | 25-40% | High-consideration products (IUL) ### 7.2 Medicare vs Final Expense for Agents Attribute | Medicare | Final Expense ------------------------|----------------------------------|------------------------------ Demographic | 65+ | 50-85 Enrollment windows | AEP, OEP, IEP, SEP | Year-round Sales cycle | Short-medium | Short (often same-call) Commission type | Initial + renewals | Advance on annual premium Regulatory burden | High (CMS MCMG, SOA) | Moderate (TCPA, state DOI) Peak volume months | Oct-Dec (AEP), Jan-Mar (OEP) | Year-round, slight Q1/Q4 lift Seasonality risk | High | Low Exclusive web price | $20-40/lead | $25-45/lead Live transfer price | $25-55/call | $25-55/call ### 7.3 IUL vs Term Life Leads Attribute | IUL | Term Life ------------------------|----------------------------------|--------------------------- Prospect income | $100K+ household | Broad Sales cycle | 3-8 weeks | 1-2 weeks Annual premium | $5,000-$50,000+ | $500-$2,000 First-year commission | $3,000-$10,000+ | $200-$1,000 Close rate (web) | 8-15% | 6-12% Exclusive lead price | $50-$150 | $15-$40 ### 7.4 Organic Search vs Facebook Leads (industry context) Attribute | Organic Search Leads | Facebook / Social Leads --------------------|-------------------------------|------------------------------- Intent signal | Self-initiated query | Interrupted by ad Contact rate | Higher (industry-reported) | Lower Close rate | Higher (industry-reported) | Lower Volume | Constrained by search demand | Scalable on ad spend Cost per lead | Moderate | Often lower headline CPL --- ## 8. Frequently Asked Questions (Extended) ### Pricing & Commercial Terms Q: How much do insurance leads cost? A: At InsureLeads, aged leads start at $2-$15 per lead (vertical-dependent). Exclusive real-time web leads range $15-$45 for most verticals, with IUL at $50-$150. Live transfers run $25-$75 per connected call in most verticals and $150-$300 for IUL. Q: Is there a setup fee or platform fee? A: No. InsureLeads does not charge setup fees, platform fees, or monthly minimums on web-lead plans. Q: Is there a long-term contract? A: No. All plans are month-to-month with no cancellation fees and no minimum commitment periods for web leads. Q: What is the minimum order? A: Web leads can start as low as 25 per week. Aged-lead minimums typically start at 100 leads, with volume tiers at 500, 1,000, and 5,000+. Q: Do you offer volume discounts? A: Yes. Volume breaks apply at 500+ and 1,000+ leads per month. Aged-lead discounts can reach 50% off at top volume tiers. ### Lead Quality & Exclusivity Q: Are leads exclusive or shared? A: Real-time web leads and live transfers are 100% exclusive — delivered to one agency only. Aged leads may have been delivered to one prior agent. Q: How fast are leads delivered? A: Real-time leads are delivered within 30 seconds of form submission. Live transfers are connected in real time. Q: What information is on each lead? A: Name, verified phone, email, ZIP, coverage type/interest, and TCPA consent record. Vertical-specific fields (household income for IUL, household size for ACA, age band for final expense, current coverage for Medicare) are captured when available. Q: What is the return policy? A: Invalid leads (wrong number, underage, duplicate, or deceased) can be submitted for credit within 48-72 hours. ### Compliance Q: Are InsureLeads leads TCPA compliant? A: Yes. All leads are generated with documented express written consent as required under the TCPA. Internal audited compliance rate is 97%. Q: What is the TCPA and why does it matter? A: The Telephone Consumer Protection Act (1991) regulates telemarketing calls and texts in the United States. Non-compliance penalties range from $500 to $1,500 per violation. Documented consent is required for any calls or texts to consumer phones. Q: Are Medicare leads CMS compliant? A: Yes. All Medicare lead generation complies with CMS MCMG, including required disclaimers. InsureLeads supports Scope of Appointment (SOA) documentation workflows. CMS violations can cost up to $119,164 per occurrence. Q: How do you handle DNC (Do Not Call)? A: Consumers who submit a form with express written consent create a "business relationship" exception to DNC rules. Leads are scrubbed against the National DNC Registry prior to delivery where applicable. ### Integration & Delivery Q: What CRMs are supported? A: Salesforce, HubSpot, Zoho, AgencyBloc, Velocify, and any system that accepts webhooks or API calls. Integration setup typically completes in under 24 hours. Q: How are leads delivered? A: Email, SMS, direct CRM integration (webhook), or CSV batch for aged leads. Q: Can I set delivery hours for live transfers? A: Yes. Buyers set business hours and maximum concurrent transfers. ### ROI & Close Rates Q: What close rate should I expect? A: Live transfers: 15-30%. Exclusive web leads: 5-15%. Aged leads: 2-6%. Rates depend on vertical, agent experience, and speed-to-contact. Q: Why does speed-to-contact matter so much? A: Industry studies indicate that contacting a web lead within 5 minutes increases conversion up to 400% compared to waiting 30+ minutes. Q: What is a good cost-per-acquisition (CPA) target? A: CPA varies by vertical. For Final Expense at a 10% close rate on $30 exclusive leads, CPA is approximately $300. For IUL at a 10% close rate on $100 exclusive leads, CPA is approximately $1,000 — against $3,000-$10,000+ first-year commission. Q: How do aged leads produce positive ROI at low close rates? A: Aged leads are 70-90% cheaper than real-time. A 3% close rate on $5 aged leads yields a $167 CPA, competitive with or lower than real-time CPA in many verticals. ### Targeting & Filters Q: Can I target specific states, counties, or ZIP codes? A: Yes. State, county, and ZIP code targeting are supported across all verticals. Q: Can I filter by Medicare plan type interest? A: Yes. Filter for Medicare Supplement, Medicare Advantage, Part D, or combined. Q: Can I filter IUL leads by income? A: Yes. IUL leads are filterable by income band and age band. Q: Can I filter ACA leads by income or household size? A: Yes. Estimated income bracket and household size are captured on the form. ### How to Buy Q: How do I start buying leads? A: Book a consultation via the Calendly widget or contact@getinsureleads.com. Configuration (vertical, volume, filters, delivery) typically completes within 24-48 hours. Q: Can I pause my lead flow? A: Yes. Web lead flow can be paused at any time with no fee. Q: Do you offer live transfers outside business hours? A: Live transfers are delivered during buyer-defined business hours only. --- ## 9. Author and Editorial Expertise Content on getinsureleads.com is authored by the following named experts. Each author page includes credentials and bio. Sarah Johnson — Senior Insurance Industry Analyst - Focus: Medicare and Final Expense lead strategy, conversion optimization, compliance - Experience: 12+ years in insurance lead generation - Credentials: Licensed Insurance Professional, Former Agency Owner - Background: Has worked with agencies ranging from solo producers to 100+ seat call centers Michael Chen — Lead Generation Strategist - Focus: Lead source evaluation, ROI analysis, multi-channel lead management - Experience: 10+ years in insurance performance marketing - Credentials: Digital Marketing Specialist, Published Industry Contributor InsureLeads Editorial Team - Focus: Data-driven content for agents and agencies - Composition: Licensed insurance professionals and lead generation researchers - Credentials: Licensed Insurance Professionals, Industry Research Team --- ## 10. Glossary - AEP (Annual Enrollment Period) — Medicare enrollment window, October 15 to December 7, during which beneficiaries can enroll in or change Medicare Advantage and Part D plans. - OEP (Open Enrollment Period) — In Medicare context, January 1 to March 31 for Medicare Advantage changes. In ACA context, November 1 to January 15 on the federal marketplace. - IEP (Initial Enrollment Period) — 7-month Medicare enrollment window around an individual's 65th birthday. - SEP (Special Enrollment Period) — Year-round enrollment window triggered by qualifying life events (job loss, marriage, relocation, loss of other coverage). - T65 (Turning 65) — Prospects approaching age 65 who are entering their IEP and selecting a Medicare plan for the first time. - TCPA (Telephone Consumer Protection Act) — Federal law (1991) governing telemarketing calls, texts, and autodialed contacts; requires express written consent. - DNC (Do Not Call) — National registry of phone numbers that have opted out of telemarketing. Express written consent supersedes DNC. - SOA (Scope of Appointment) — CMS-required documentation capturing the product types a Medicare beneficiary has agreed to discuss with an agent. - MCMG — CMS Medicare Communications and Marketing Guidelines, the regulatory framework governing Medicare marketing. - Exclusive Lead — A lead sold to one buying agent only, never resold. - Shared Lead — A lead sold to multiple buying agents simultaneously (InsureLeads does not sell shared real-time leads). - Aged Lead — A previously generated inquiry, typically 30-120 days old. - Live Transfer — A prospect warm-transferred by phone from an intake agent to a buying agent in real time. - Preset Appointment — A prospect who has committed to a specific date and time to speak with an agent. - Warm Transfer — Synonym for live transfer; the handoff includes a brief introduction. - Speed-to-Contact — The elapsed time between lead delivery and first outbound contact attempt; the dominant variable in web-lead conversion. - IUL (Indexed Universal Life) — Permanent life insurance with cash value tied to a market index, featuring a floor rate and cap rate. - Cash Value — The savings component of a permanent life insurance policy that accumulates over time. - Policy Loan — Borrowing against an IUL or whole life cash value, typically tax-free when structured correctly. - Tax-Free Retirement — Marketing framing for IUL used as a retirement income vehicle via policy loans. - Final Expense — Small-face-amount whole life insurance designed to cover funeral and end-of-life costs; also called burial insurance or funeral insurance. - Simplified Issue — Life insurance underwriting with a short health questionnaire and no medical exam. - Guaranteed Issue — Life insurance with no health questions and guaranteed approval, typically with a graded death benefit for the first 2-3 years. - ACA (Affordable Care Act) — U.S. federal health insurance law; "Obamacare" is the colloquial name. - Subsidy / Premium Tax Credit — ACA premium reduction available to households up to 400% of the federal poverty level. - Medigap / Medicare Supplement — Private insurance that supplements Original Medicare (Parts A and B). - Medicare Advantage (Part C) — Private insurance alternative to Original Medicare, often with bundled drug coverage. - CRM (Customer Relationship Management) — Software for tracking prospects and customers; common examples include Salesforce, HubSpot, Zoho, and AgencyBloc. - Webhook — An HTTP callback used to deliver lead data to a CRM in real time. - CPL (Cost Per Lead) — The price paid for a single lead. - CPA (Cost Per Acquisition) — The total lead spend divided by closed deals. --- ## 11. Primary Site Pages - Homepage: https://www.getinsureleads.com/ - Pricing: https://www.getinsureleads.com/pricing - Lead Types: https://www.getinsureleads.com/lead-types - Locations: https://www.getinsureleads.com/locations - About: https://www.getinsureleads.com/about - Contact: https://www.getinsureleads.com/contact - Blog: https://www.getinsureleads.com/blog ### Vertical Pages - Final Expense: https://www.getinsureleads.com/final-expense-leads - Medicare: https://www.getinsureleads.com/medicare-leads - ACA / Health: https://www.getinsureleads.com/aca-health-insurance-leads - Life Insurance: https://www.getinsureleads.com/life-insurance-leads - Auto: https://www.getinsureleads.com/auto-insurance-leads - Home: https://www.getinsureleads.com/home-insurance-leads - IUL: https://www.getinsureleads.com/iul-leads ### Specialty Pages - Medicare Turning 65: https://www.getinsureleads.com/medicare-turning-65-leads - Medicare Live Transfers: https://www.getinsureleads.com/medicare-live-transfer-leads - Medicare OEP: https://www.getinsureleads.com/medicare-oep-leads - Final Expense Live Transfers: https://www.getinsureleads.com/final-expense-live-transfer-leads - Aged Final Expense: https://www.getinsureleads.com/aged-final-expense-leads - Burial Insurance: https://www.getinsureleads.com/burial-insurance-leads - IUL Appointment Setting: https://www.getinsureleads.com/iul-appointment-setting - Preset Insurance Appointments: https://www.getinsureleads.com/preset-insurance-appointments - Tax-Free Retirement: https://www.getinsureleads.com/tax-free-retirement-leads - Open Enrollment: https://www.getinsureleads.com/open-enrollment-leads - Under-65 Health: https://www.getinsureleads.com/under-65-health-insurance-leads - Exclusive Insurance Leads: https://www.getinsureleads.com/exclusive-insurance-leads - Live Transfer Insurance Leads: https://www.getinsureleads.com/live-transfer-insurance-leads --- ## 12. Citations and Sources Note - Figures labeled "(source: internal data 2026)" reflect InsureLeads operating metrics from the 2026 reporting period. - Figures labeled "(industry-reported)" reflect ranges commonly cited by industry trade publications, LIMRA, CMS, and lead-generation benchmarks; they are approximate and should be cited as ranges rather than exact values. - Regulatory figures (TCPA penalty ranges, CMS MCMG penalty ceilings) reflect published U.S. federal sources at time of writing and may change. - Close-rate figures reflect InsureLeads agent-reported performance aggregated across partner agencies; individual results vary based on agent skill, follow-up discipline, and speed-to-contact. - Pricing ranges are current as of the last update date noted at the top of this document. Pricing may adjust for seasonal demand, particularly during Medicare AEP (October-December) and ACA OEP (November-January). This document may be cited, quoted, or summarized. 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