Fresh, Exclusive Insurance Leads At a Price You Can See
Starter packs from $1,000. Dedicated campaigns from $2,500. No long-term contracts, and no quote-required games — every price we charge is on this page.
What InsureLeads Charges
InsureLeads publishes a fixed price per lead by vertical. Fresh exclusive web leads run from $35 to $125 depending on vertical, with a $1,000 minimum order and no setup fee. A dedicated campaign with your own territory and filters starts at $2,500. Live transfers, preset appointments, aged leads and a managed pipeline service are each priced separately below.
- Fresh exclusive leads from $1,000 — no setup fee, no contract
- Dedicated campaign from $2,500 ($500 launch + $2,000 lead credit)
- Aged leads from $250 · live transfers from $1,000
- One price per product — never a setup fee, a service fee and a per-lead fee together
What Do You Want to Buy?
Five different products, priced five different ways. Pick the one that matches how you actually work.
Buy exclusive leads
Fresh, single-buyer web leads at a fixed price per vertical. From $1,000, no setup fee.
Launch a dedicated campaign
Your own territory, filters and routing. $2,500 to launch.
Buy live transfers
Screened prospects warm-transferred to your phone. Billable only on a real connection.
Book qualified appointments
Confirmed meetings on your calendar, or pay only for the ones that are kept.
Build your own lead pipeline
We run the funnel and ads; you own the assets and pay the ad platform directly.
Our Delivery Commitments
We keep expectations clear around exclusivity, delivery, and lead review so buyers know how each package is meant to work.
Packages & Minimums
Start where your budget actually is. $1,000 is the floor for fresh exclusive leads — enough volume to judge the channel, without a campaign build eating the budget.
Starter Lead Pack
Your first test — fresh exclusive leads, no build, no contract.
- Fresh exclusive leads — single buyer, never resold
- State-level targeting
- Delivered to your CRM, webhook or email
- Invalid-contact replacements included
- No setup fee · no contract
- Available where we already have supply in your state
Dedicated Pilot
Your own territory, routing and filters.
- $500 campaign launch + $2,000 lead credit
- Dedicated lead routing
- State and county targeting
- Standardised vertical funnel, configured to you
- 14–30 day delivery cycle
Growth
For established agents and small teams.
- Campaign launch fee waived
- Up to 5% volume discount
- CRM / webhook integration
- Priority delivery
- Weekly reporting
- One or multiple licensed states
Scale
For agencies and IMOs.
- Up to 8% volume discount
- Multi-state routing
- Buyer caps and delivery schedules
- Dedicated account management
- API / webhook delivery
- Custom reporting
Minimum Order by Product
Availability is the real constraint, not budget. Every order is subject to supply in your licensed state — that is why each button on this page asks you to check availability first.
Exact Prices by Vertical
A final expense lead and an IUL lead do not cost the same, so we do not quote one range across every vertical. These are single-buyer exclusive prices.
Per-lead prices are for single-buyer exclusive leads — the record goes to one buyer and is never resold. Prices vary by state, filters and season; county, ZIP and narrow-filter targeting carry a surcharge. Volume discounts start at $5,000 per month. Aged leads are not exclusive unless they have genuinely never been resold.
What “Contact-Verified” Actually Means
A standard exclusive web lead is technically validated — the record is real and the number passes our checks — but nobody has necessarily spoken to the consumer. A contact-verified lead costs more because a human reached them. We will not call a lead “qualified” merely because a phone number exists. A lead is contact-verified only when all five of these are true:
- Valid telephone number
- Correct person reached
- Correct state
- Meets the basic age or business criterion
- Confirms interest in discussing the specified insurance product
What $1,000 Actually Buys
No estimates and no “up to” language — the pack is your budget divided by the per-lead price. Any remainder carries forward as account credit rather than being rounded away.
Unused balances carry forward. We do not round a pack up by giving away an expensive lead — that is how vendors quietly recover the giveaway on the next order.
Dedicated Campaigns
A dedicated campaign means we build or adapt a campaign for one buyer's territory, routing and filters.
The $500 launch fee covers
- Campaign configuration
- Standardised vertical funnel
- Consent disclosure configuration
- State and territory targeting
- Lead-routing setup
- Tracking and CRM/webhook testing
- Initial creative deployment
Your initial invoice
- Campaign launch fee — $500
- Minimum prepaid lead credit — $2,000
- Total to launch — $2,500
The launch fee is waived if you prepay $5,000 or more, or commit to 3 monthly lead orders of at least $2,000 each.
We do not call every funnel “custom.” At $500 you receive a standardised vertical funnel configured to your territory and routing — which is what most buyers actually need. A genuinely custom funnel, meaning brand design, custom copy, multiple landing pages or advanced integration, costs $1,500 for a standard vertical and $2,500 for IUL, annuity or commercial truck. See custom lead campaigns for how one is scoped.
Live Transfer Pricing
We sell two different transfer products. They are not the same call at two prices — the difference is whether health and medication questions were asked before the handoff.
Interest-verified transfers
A screener confirms interest, age and state, then warm-transfers the call to you. Not underwritten.
Pre-vetted final expense transfers
A different product. Adds health and medication questions plus guaranteed-issue versus level/graded tier determination before the handoff, which is the only reason the price is credible.
Full detail on the pre-vetted tier lives on pre-qualified life insurance transfers, and the cross-vertical comparison on live transfer insurance leads.
A transfer is billable when
- The agreed consumer or business is connected
- The connection lasts at least 90 seconds
- The prospect confirms product interest
- The prospect meets the agreed state, age and eligibility filters
- You or an authorised representative are available to receive it
Not grounds for a credit
- The agent did not close
- The agent disliked the prospect’s answers
- The prospect changed their mind after a valid conversation
- The agent was unavailable despite confirming availability
Preset Appointment Pricing
Buy a confirmed appointment, or pay more and only for the ones the prospect actually keeps.
Confirmed — Booked and confirmed with the prospect. Kept — The prospect attended, or completed a substantive telephone consultation.
- One free rebooking attempt if a confirmed appointment no-shows
- Replaced if the prospect denies ever agreeing to the appointment
- We do not automatically refund every no-show
Auto and home are not sold as appointments. Browse the appointment products on preset insurance appointments.
Aged Lead Pricing
Priced by how old the record is, because that is the only thing that changes about it.
Minimum aged order $250. Aged leads are not exclusive unless they have genuinely never been resold. Aged leads are sold as-is at a steep discount precisely because their contact data has had time to decay — see the lead replacement policy for what is and is not replaceable.
Own Your Pipeline — Managed Service
You pay the advertising platform directly and own the funnel, the pixels and the data. Because you are buying the machine rather than the output, we do not also charge you our retail price per lead.
Monthly management is $1,250 or 20% of ad spend, whichever is greater. Minimum ad spend is paid by you, to the ad platform. Initial term 90 days.
What the service includes
- Funnel and landing-page management
- Advertising management
- Creative testing
- Tracking
- CRM / webhook routing
- Weekly reporting
- Lead-quality feedback loop
- One monthly strategy call
What it does not include
- Guaranteed cost per lead
- Guaranteed volume
- Appointment setting
- A dedicated caller
- Unlimited new funnels or states
Appointment-Setting Add-Ons
For agents who can buy leads but cannot consistently call them. These prices exclude the cost of the leads themselves.
We do not promise a guaranteed number of appointments on a monthly setter seat — if you want to pay per appointment, buy them per appointment above. More on the service at insurance appointment setting.
Targeting Surcharges
Tighter targeting costs more to fulfil, so it costs more to buy. State-level targeting is included in every price on this page.
Combined surcharges cap at 30%; beyond that we quote the campaign custom. Exclusive means the record goes to one buyer — it does not mean we stop working with every other agent in your state. True territory exclusivity is a separate product at $500/month for consumer verticals or $1,000/month for IUL, annuity and commercial truck, on top of your normal lead purchases.
Volume Discounts
Discounts apply to committed monthly prepaid volume, not to a single order.
Above that, pricing is reviewed case by case. We would rather give you better filters, routing or onboarding than a lower cost per lead — a cheaper lead you cannot work is not a saving.
Replacements & Payment Terms
Payment terms
- All lead packs are prepaid
- All campaign launch fees are prepaid
- Monthly services are paid before the service month
- ACH payments receive a 2% discount
- No card surcharge — processing is built into the price
- No net-30 for new buyers
Replacements
We replace or credit a lead with an objective defect — a disconnected or wrong-person number, a lead outside the filters you agreed, a duplicate in the same order, materially false or missing fields, or a consent record we cannot produce. We do not replace a lead because the prospect did not answer or because the call did not close. The full terms are on the lead replacement policy and the refund policy.
After 3 successful prepaid cycles, agencies spending $10,000 or more per month may be approved for weekly invoicing against a credit limit.
Pricing FAQs
Fresh exclusive leads start at $1,000. A dedicated campaign — your own territory, filters and routing — starts at $2,500. Aged leads start at $250. Live transfers start at 10 transfers or $1,000, whichever is higher, and preset appointments at 5 appointments or $1,250, whichever is higher.
No. We do not launch a campaign for three or five leads, because that volume cannot tell you anything reliable about lead quality or conversion — one bad day of dialling wipes out the entire sample. Our standard fresh-exclusive test starts at $1,000, which buys enough volume to judge the channel honestly.
No. A lead pack carries a per-lead price and nothing else — no setup fee, no platform fee, no monthly service fee. A setup fee applies only where we actually build something for you: the $500 campaign launch fee on a dedicated campaign, and the setup fee on the managed pipeline service. We never charge a setup fee, a service fee and a per-lead fee for the same product.
Exclusive means the lead record is delivered to one buyer and is never resold. It does not automatically mean we stop working with every other agent in your state — that is territory exclusivity, and it is a separate product at $500 per month for consumer verticals or $1,000 per month for IUL, annuity and commercial truck, on top of your normal lead purchases.
A transfer is billable when the agreed consumer is connected, the connection lasts at least 90 seconds, the prospect confirms interest in the product, the prospect meets the state, age and eligibility filters you agreed, and you or an authorised representative are available to take it. If any of those fail, you are not charged. We do not credit a transfer because the call did not close.
On a lead pack, exactly as many as the arithmetic says: your budget divided by the per-lead price for your vertical, with any remainder carried forward as account credit. On a dedicated campaign you are buying a campaign cycle and a lead credit, so we state a cost-per-lead band before you commit and report the actual cost per lead as the campaign runs.
Aged leads are not exclusive unless they have genuinely never been resold. Aged leads are sold as-is at a steep discount precisely because their contact data has had time to decay, and they may have been delivered to another agent previously. That is the trade you are making for the price.
No. Published prices can change going forward, but a change never applies retroactively to leads already delivered or to a campaign cycle you have already paid for. Quotes are locked for seven days.