Exclusive Real-Time Life Insurance Leads

Why exclusive matters in life insurance

Life insurance lead aggregators routinely sell each lead to 5–8 agents. Consumers shopping life insurance often submit one form, then take five calls in twenty minutes. They tune out fast. Industry close rates on shared life leads: 1.5–4%.

LeadCo's exclusive model: each life lead sold to exactly one agent. First call wins by definition. Close rates on exclusive real-time life leads typically run 5–14% across segments, with final expense in the upper end (8–18%) due to higher consumer urgency at qualifying ages.

Life insurance segments we sell

Term life

Working-age adults (typically 28–55) shopping income replacement, mortgage protection, or child-raising-years coverage. Largest single segment by volume. Pre-educated on AU vs traditional underwriting via our consumer content. Typical face amount intent: $250K–$1M for individual, larger for affluent shoppers.

Final expense / burial insurance

Seniors 50–85 shopping small whole life ($5K–$50K face) for funeral and final medical costs. Highest urgency segment after qualifying-age recognition; consumer often calls within 24 hours of the lead landing. Three underwriting tiers (level / graded / modified) — agents who appoint with multiple final expense carriers (Mutual of Omaha, Foresters, AIG, Royal Neighbors) win these leads more easily.

Whole life

Affluent shoppers and estate-planning audiences shopping permanent coverage with cash value. Lower volume than term but higher LTV per close. Often paired with high-net-worth advanced strategies (ILIT funding, special-needs trusts, business buy-sell). Best fit for agents with permanent product expertise and ILIT planning experience.

IUL (Indexed Universal Life)

Sophisticated shoppers comparing IUL against term + investing alternatives. Pre-educated on the IUL reality check — index credits exclude dividends, cap rates can be lowered, surrender charges 10–15 years. Consumers reaching us via IUL searches are typically further down the buying funnel than typical IUL leads (less "shiny object" buyers, more "I've done my research" buyers).

Mortgage protection

Recent homeowners (purchase or refi) shopping coverage tied to mortgage payoff. Our consumer content is honest that level term from a major carrier almost always beats traditional MPI on rate — leads we generate are pre-educated on this. Agents appointed with major term carriers (Banner Life, Pacific Life, Protective) convert these leads better than MPI-only agents.

Geographic and intent filtering

• State — match your licensure footprint
• Age band — narrow to your specialty (term ages, final expense ages)
• Coverage amount intent — small / mid / jumbo
• Segment — term only, final expense only, all life, etc.
• Tobacco status — never / former / current (consumer self-disclosed)
• Underwriting preference — AU vs traditional
• Daily/weekly cap — match agent capacity

Sample life lead format

Pricing

Segment	Exclusive real-time	Aged (30+ days)
Term life (25–60)	$20–$45	$5–$12
Final expense (50–85)	$15–$35	$4–$10
Whole life affluent	$45–$90	$10–$25
IUL	$45–$90	$10–$22
Mortgage protection	$18–$38	$5–$10

Custom lead campaigns built to fit your geography, segment focus (term / final expense / whole / IUL / mortgage protection), age band, and volume needs. We quote per-agency based on your profile.

ROI math worked example

Established term life agent at $30/lead:

• 100 leads × $30 = $3,000 cost
• 10% close rate = 10 issued policies
• Average term life 20-year first-year commission ≈ $625 (60% of typical $1,040 annual premium for $500K Preferred Plus age 40)
• 10 × $625 = $6,250 first-year revenue
• Renewal commission 4–8% years 2–10 — modest but builds book over time
• Typical persistency: 7–10 years on level term (until policyholder converts or term expires)

Final expense ROI math is dramatically different — lower commission per policy ($150–$300 typical) but much higher close rate (12–20% in target age band) and quick-issue speed. Final expense specialists often run higher daily lead volume because of the faster cycle time per close.

TCPA compliance

Same as Medicare and ACA: prior express written consent via affirmative checkbox, explicit consent language naming licensed agents, full audit trail (timestamp, IP, user agent, source URL, exact consent text) captured and retained 4 years.

Other lead types

LeadCo also sells Medicare leads for agents and ACA / Obamacare leads for agents.