Insurance Lead Cost Calculator
Estimate your monthly lead investment and compare costs across verticals, formats, and volumes. See exactly what you will spend before you buy.
How much do insurance leads cost?
Insurance lead costs range from $0.25 to $300 per lead depending on vertical, format, and exclusivity. Aged leads start at $2–$12, exclusive web leads cost $35–$125, and interest-verified live transfers run $90–$300. Use the calculator below to estimate your exact monthly spend.
- Interest-verified live transfers: $90–$300 per connected call (highest close rate)
- Exclusive web leads: $35–$125 per lead (best balance)
- Aged leads: $2–$12 per lead at 30–90 days (budget-friendly option)
Your Final Expense Lead Cost Estimate
Exclusive Web Leads · 100 leads/month · Mid-range pricing
How Much Do Insurance Leads Cost in 2026?
Insurance lead pricing depends on three key factors: the insurance vertical (final expense, Medicare, ACA, life, auto, home, IUL, or commercial truck), the delivery format (live transfers, exclusive web leads, or aged leads), and your monthly volume. Higher-commission verticals like IUL command premium lead prices, while commoditized lines like auto insurance offer lower per-lead costs.
Interest-verified live transfer leads are the most expensive format, ranging from $90 for auto insurance to $300for annuity. You pay more because a screener has already confirmed the prospect's interest, age and state before transferring the call to you. The trade-off is worth it — live transfers convert at 15–30%, compared to 5–15% for web leads.
Exclusive web leads offer a middle ground at $35–$125 per lead. These are form-fill leads delivered to a single agent in real time. Contact rates run 60–80% when you respond within 5 minutes, and close rates average 5–15% depending on vertical and follow-up process.
Aged leads are the budget option at $2–$12 per lead in the 30–90 day band, down to $0.25 for records over a year old. While contact rates drop to 20–40%, the low cost means your breakeven close rate can be under 2%. Agents with autodialers and strong drip sequences can generate significant ROI from aged leads.
Use the calculator above to model your specific scenario. Enter your vertical, preferred format, and monthly volume to see your projected total spend, cost per acquisition, and estimated ROI — before you commit a single dollar.
InsureLeads Lead Pricing by Vertical
| Vertical | Live Transfers interest-verified | Exclusive Web Leads | Aged Leads 30–90 days | Avg Commission |
|---|---|---|---|---|
| Final Expense | $110 | $50 | $3 | $450 |
| Medicare | $125 | $70 | $5 | $600 |
| ACA / Health | $100 | $45 | $3.50 | $400 |
| Life Insurance | $160 | $65 | $4 | $800 |
| Mortgage Protection | $150 | $55 | $5 | $700 |
| Auto Insurance | $90 | $35 | $2 | $350 |
| Home Insurance | $100 | $45 | $2.50 | $400 |
| IUL | $275 | $125 | $12 | $5,000 |
| Commercial Truck | $225 | $110 | $12 | $1,400 |
| Annuity | $300 | $125 | $12 | $4,000 |
Single-buyer exclusive per-lead rates. Prices vary by state, filters and season; county, ZIP and narrow-filter targeting carry a surcharge. Average commission is a market figure, not an InsureLeads price.
Frequently Asked Questions
How much do insurance leads cost?
Insurance lead costs vary by type and vertical. Interest-verified live transfers range from $90–$300 per connected call, exclusive web leads from $35–$125, and aged leads from $2–$12 in the 30–90 day band. Final expense runs $3 aged and $50 exclusive, while annuity live transfers reach $300 due to higher commission potential.
What is the cheapest type of insurance lead?
Aged leads are the most affordable, starting at $2 per lead in the 30–90 day band and falling to $0.25 for records over a year old. These are leads generated days, weeks or months ago and sold at a discount. While contact rates are lower, they offer excellent ROI for agents with strong follow-up systems and autodialers.
Are live transfer leads worth the higher cost?
Yes, for most agents. Interest-verified live transfers cost 2–3x more than exclusive web leads but close at 15–30% compared to 5–15% for web leads. The higher close rate typically delivers a better cost per acquisition despite the higher per-lead price.
How do I calculate my cost per acquisition for insurance leads?
Divide your total lead spend by the number of policies written. For example, if you spend $5,000 on 100 exclusive final expense leads at $50 each and close 10 policies, your CPA is $500. Use our calculator above to model different scenarios based on your actual close rate and lead costs.
Should I buy exclusive or shared insurance leads?
Exclusive leads cost more but convert at 2–3x the rate of shared leads. Shared leads go to 3–5 agents simultaneously, creating competition. For most agents, exclusive leads deliver a lower cost per acquisition despite the higher per-lead price.