Leads of Customers Looking for Information on Life Insurance

Unlock Your Sales Potential with Life Insurance Leads!

Are you an insurance agent or broker looking to expand your client base and increase your sales? Look no further! We specialize in providing high-quality life insurance leads.

Pricing as low as $1.25 per lead – Once sold, your lead will NOT be resold to any other agent!

• High Conversion Rates: Our leads are meticulously vetted to ensure they are genuinely interested in life insurance, resulting in higher conversion rates for you.
• Comprehensive Data: Each lead comes with detailed information, including contact details, age, income level, and specific insurance needs, allowing you to tailor your approach.
• Affordable Pricing: Our competitive pricing ensures you get the best return on your investment. We offer flexible packages to suit your budget and business goals.

Get Started Today!

Don’t miss out on the opportunity to grow your business with the best leads in the industry. Contact us today to learn more about our lead packages and start seeing results immediately!

📧 Email us: life@octansinsurance.com

Recommended FINAL EXPENSE LEAD COMPANY

NITRO MEDIA – Contact – David david@nitronetmedia.com

Leads Affinity – https://leadsaffinity.com USE PARTNER CODE: GBYILRAD

Recommended Phone and Text System: RingCentral

https://refer.ringcentral.com/mQ8ujLr

Recommended IUL LEAD SYSTEM with AI CHATBOT to book appointments

https://go.aiinsurancepro.io/checkout-partners?am_id=aliteymourian7654

Types of life insurance leads

Not all life insurance leads are the same. The price, the age of the lead, and how many other agents receive it all change how you should work it. Before you buy, know which kind you are getting.

Life insurance leads are also sorted by product. Each product draws a different buyer:

• Final expense leads usually come from older consumers looking for a smaller whole life policy to cover funeral costs. Many want a simple, phone-based sale. See our final expense insurance page for the product basics.
• Mortgage protection leads often come from recent homebuyers. Some vendors build them from public mortgage records and mail responses, so ask how the lead was created. See mortgage protection insurance.
• IUL leads come from people interested in indexed universal life. These are often longer, appointment-based sales that need more product training and more careful suitability discussion.

Match the lead type to your skills, your schedule, and the carriers you are appointed with. A great lead for one agent can be a poor fit for another.

How to evaluate a life insurance leads vendor

Price per lead is only one number. What matters is how many of those life insurance leads turn into issued policies, and what each sale really costs you. Ask every vendor the same questions before you buy.

Contact rate. Ask what share of leads agents typically reach by phone. Treat any number a vendor gives you about its life insurance leads as a claim, not a promise. The best test is a small trial order and your own tracking.

Consent language. Ask to see the exact web form or script the consumer saw. Under FCC rules, callers generally need consent before autodialed or prerecorded calls or texts to a wireless number, and prior express written consent before prerecorded telemarketing calls, according to the FCC’s robocall and text guide. The FCC guide also says consumers may revoke consent at any time in any reasonable manner.

The FCC adopted a “one-to-one” consent rule in 2023 aimed at lead generators, but the Eleventh Circuit vacated it in January 2025 in Insurance Marketing Coalition v. FCC, as summarized by Morrison Foerster. Rules in this area keep changing. Ask your vendor how its consent form handles the current rules, and talk to a compliance professional if you use dialers or texting.

Returns and replacements. Ask what happens if a lead has a wrong number, a duplicate, or a consumer who says they never asked for information. Get the return window, the reasons accepted, and the process in writing.

Exclusivity and resale. Ask how many agents receive each lead, and whether the lead is resold later as an aged lead.

Data fields. Ask which fields come with each lead, such as age, state, coverage interest, and timestamp. A timestamp lets you judge how fresh real-time leads truly are.

Compliance basics for working life insurance leads

Buying life insurance leads does not change your duties as a licensed producer. Three areas come up again and again.

Licensing and appointments. You need a license in the state where the consumer lives. Under the NAIC’s Producer Licensing Model Act, a producer licensed in good standing in a home state can generally get a nonresident license in another state. The model act also says a producer may not act as an insurer’s agent without being appointed by that insurer. Appointment rules and timing vary by state, so check before you quote a lead from a new state.

Do Not Call rules. The FTC’s Telemarketing Sales Rule guide says sellers and telemarketers must check their call lists against the National Do Not Call Registry at least every 31 days. An established business relationship exemption lasts 18 months after a purchase or transaction, or three months after a consumer’s inquiry or application, and it covers live calls only. The FTC lists civil penalties of up to $53,088 per violation. Keep your own internal do-not-call list too, and honor every request to stop calling.

Replacement rules. Some people behind life insurance leads already own coverage. Most states base their replacement rules on the NAIC’s Life Insurance and Annuities Replacement Model Regulation. California’s version, Insurance Code section 10509.4, is a typical example. The agent submits a signed statement on whether replacement is involved. If it is, the agent presents a Notice Regarding Replacement, signed by both the applicant and the agent, and leaves it with the applicant. State forms differ, so use the form your state requires.

What do life insurance leads really cost per sale?

The fair way to compare vendors is cost per issued sale, not cost per lead. The math is simple once you track four numbers: price per lead, contact rate, appointment or presentation rate, and close rate.

Hypothetical example. All rates and prices below are illustrative assumptions. They are not Octans figures, and they are not industry averages.

In this illustration, the cheap leads win on cost per sale, but they take far more dialing: 500 leads to work instead of 100. If your time is limited, the exclusive leads might still be the better use of it. Change any one rate and the answer can flip.

Next, compare cost per sale with what you actually earn on an issued policy after chargebacks. Your commission depends on your contracts, so plug in your own numbers. Track results for at least a few weeks before judging a vendor.

A 30-day lead follow-up cadence

Most life insurance leads are not reached on the first call. A written plan keeps you consistent without crossing into harassment. The cadence below is a sample, not a rule. Adjust it to the lead type, the consent the consumer gave, and your state’s rules.

Stop immediately when someone asks you to. Add the number to your internal do-not-call list, so you don’t call that person again if they show up later in another batch of life insurance leads. Log every attempt, every opt-out, and the date. The FTC guide also limits telemarketing calls to between 8 a.m. and 9 p.m. in the consumer’s local time, so schedule calls by the lead’s time zone, not yours.

Common mistakes agents make with life insurance leads

Many agents who give up on purchased life insurance leads made a few avoidable mistakes. Watch for these:

• Buying too many at once. A large first order locks in money before you know how a vendor performs. Start small and scale what works.
• Calling too late. Real-time leads lose value as minutes pass, especially shared ones. If you can’t call quickly, cheaper aged leads may fit your schedule better.
• Quitting after one or two attempts. Many consumers don’t answer unknown numbers. A planned cadence, like the one above, gives each lead a fair chance.
• Judging by price per lead. As the hypothetical example shows, the cheapest life insurance leads are not always the cheapest sales, and the reverse is also true.
• Skipping the paperwork. Not logging opt-outs, consent records, or replacement forms creates risk that no sale is worth.
• Selling the wrong product. A final expense lead asked about final expense. Pushing a much larger or more complex policy without a clear need erodes trust and can raise suitability concerns.

Good habits matter more than any single vendor. Agents who track their numbers and follow the rules can make life insurance leads a steady part of their business.

Life insurance leads checklist

Use this list before you place an order and before you dial.

• I know whether these life insurance leads are exclusive or shared, and how many agents receive each one.
• I know whether the leads are real-time or aged, and how old they are.
• I have seen the consent language the consumer agreed to.
• I have the vendor’s return and replacement policy in writing.
• I hold a license in every state the leads come from.
• I am appointed with carriers that fit this product and these states.
• My call list is checked against the National Do Not Call Registry at least every 31 days, plus my internal do-not-call list.
• I schedule calls by the consumer’s local time.
• I have my state’s replacement forms ready for leads who already own coverage.
• I track contact rate, presentation rate, close rate, and cost per issued sale for each vendor.
• I start with a small test order before buying in volume.

Questions about our lead program? Call (617) 935-9220.