Expert tips on buying, converting, and scaling with the best insurance leads on the market.
📌 Featured Article
Not all insurance leads are created equal. Whether you're buying ACA, final expense, Medicare, or auto leads, this guide breaks down exactly what separates high-converting leads from wasted spend — and how to find vendors you can actually trust.
Read Full Guide →ACA leads are one of the highest-converting verticals — if you buy them right. Here's what to look for in age, sourcing, and exclusivity.
Read More →FE leads can make or break your agency. Learn the filters, age ranges, and sourcing signals that separate hot prospects from burned lists.
Read More →Shared leads are cheaper — but are they actually worth it? We break down the real cost-per-acquisition math that most agents never calculate.
Read More →AEP isn't the only time to work Medicare. Find out how top producers use aged and real-time Medicare leads to close deals every month.
Read More →One bad lead vendor can expose your agency to massive fines. This is what TCPA-compliant opt-in data actually means — and what to demand from vendors.
Read More →Aged leads at $0.03–$0.45 can outperform fresh leads when worked correctly. Here's the exact dialing strategy that makes aged data profitable.
Read More →If you've been burned by bad leads, you're not alone. Most agents spend thousands on insurance leads before figuring out what actually works. This guide cuts through the noise and tells you exactly what to look for — whether you're buying ACA, final expense, Medicare, life, or auto insurance leads.
Bottom line up front: The best insurance leads are 100% exclusive, TCPA-compliant opt-in data, sourced fresh, and filtered to your target states. Everything else is negotiable — but those four things are non-negotiable.
The insurance industry throws around words like "quality" and "exclusive" constantly, but most agents can't define them precisely. Here's what actually matters:
ACA leads remain one of the best-converting verticals for independent agents. Consumers requesting health insurance info are actively in-market and motivated by real need — especially outside open enrollment when they have qualifying life events. Fresh 7–30 day ACA leads convert at the highest rates. Aged 30–60 day leads at $0.30 are among the best ROI plays in the industry.
Final expense leads target seniors seeking burial and life insurance coverage — a demographic that responds well to phone outreach and has strong urgency. FE leads at 14–30 days hit the sweet spot of freshness vs. cost. This vertical also pairs well with live transfers for agencies that want to skip the cold call entirely.
Medicare leads are highly valuable but seasonal — demand spikes during AEP (October–December). Smart agents buy year-round using aged data between enrollment periods to keep their pipeline warm. 0–30 day Medicare leads at $1.00 are premium, but 30–60 day data at $0.40 offers excellent value for high-volume dialers.
Life insurance leads span a wide demographic and are consistently in demand. Term life leads convert well across age groups; whole and universal life leads tend toward higher-income buyers. Fresh 7–30 day life leads at $1.00 give agents the best shot at reaching consumers while intent is highest.
Auto insurance is one of the highest-volume verticals in the industry. Competition is fierce, which makes exclusivity critical — shared auto leads are nearly worthless. Fresh 7-day exclusive auto leads at $1.00 give independent agents and agencies a real competitive edge against captive carriers.
Diabetic leads target health-insurance-seeking consumers with a specific medical condition, making them highly relevant for Medicare Advantage, supplemental health, and life insurance cross-sells. This niche vertical is often overlooked and therefore less competitive.
Shared leads seem cheaper at first glance. A shared ACA lead might cost $5 vs. $1 for an exclusive aged lead. But run the math:
| Metric | Shared Lead ($5) | Exclusive Lead ($1) |
|---|---|---|
| Contact Rate | 15–25% | 70–92% |
| Leads to Buy for 100 Contacts | 400–666 leads | 109–143 leads |
| Cost for 100 Contacts | $2,000–$3,330 | $109–$143 |
| Prospect Frustration Level | High (already called) | Low (first contact) |
Exclusive data wins on every metric that matters. The only scenario where shared leads make sense is if you're testing a new script and want to burn cheap volume — but even then, your contact rate will be so low that feedback is unreliable.
Before wiring money to any lead vendor, ask these five questions:
100% exclusive · TCPA compliant · ACA, FE, Medicare, Life, Auto & Diabetics · Delivered via API or CSV
Build Your Order →ACA leads are one of the most competitive verticals in insurance — and one of the most lucrative when worked correctly. The problem most agents run into isn't the leads themselves; it's buying the wrong type, at the wrong age, from the wrong vendor.
Key insight: The ACA market runs year-round thanks to Special Enrollment Periods (SEPs). Agents who only work during Open Enrollment are leaving massive pipeline on the table.
ACA leads come from consumers who actively searched for or requested information about health insurance coverage under the Affordable Care Act. The best ACA leads share these characteristics:
The age of an ACA lead dramatically affects both price and contact rate. Here's how to think about each tier:
| Age Range | Price/Lead | Best For |
|---|---|---|
| 7–30 days | $1.00 | High-activity dialers, SEP campaigns |
| 30–60 days | $0.30 | Best ROI tier — still highly contactable |
| 60–90 days | $0.20 | Volume buyers, blended dialing strategies |
| 90–180 days | $0.10 | High-volume auto-dialers, call centers |
Agents consistently report that 30–60 day ACA leads at $0.30 deliver the best return on investment. The consumer still remembers researching health insurance, hasn't been oversaturated by other agent calls (assuming exclusivity), and your cost per contact is 3x lower than fresh leads. At scale, this is where you build a profitable book of business.
Most agents think ACA only matters November through January. Wrong. Qualifying life events — job loss, marriage, birth of a child, move to a new state — trigger SEP eligibility year-round. This means ACA leads are in-market 12 months a year, and agents who work the off-season face far less competition.
7–30 day exclusive ACA leads at $1.00 · 30–60 day at $0.30 · TCPA compliant · Delivered via API or CSV
Order ACA Leads →Final expense is one of the most agent-friendly verticals in insurance. Short sales cycles, low face amounts, and a motivated demographic make it ideal for new and experienced agents alike. But the lead quality varies wildly — here's how to buy FE leads that actually close.
The FE buyer: Typically 50–80 years old, concerned about leaving burial expenses for family, and responds well to direct phone outreach. Urgency is real and conversion is high with the right script.
FE leads generally come in two forms: data leads and live transfers. Both have their place depending on your agency's setup:
| Age Range | Price | Notes |
|---|---|---|
| 14–30 days | $1.00 | Highest intent, best contact rate |
| 30–60 days | $0.45 | Great value, still highly responsive |
| 60–90 days | $0.35 | Good for volume dialers |
| 90–180 days | $0.15 | Bulk/blended campaigns |
If you have a high-performing closer and want maximum efficiency, live transfers at $45–$55 per call eliminate cold calling entirely. The consumer is pre-screened, interested, and on the line. For agencies with their own dialing infrastructure and trained openers, data leads at $0.45–$1.00 deliver superior ROI at scale.
14–30 day exclusive FE leads at $1.00 · Live FE transfers at $45–$55/call · TCPA compliant
Order FE Leads →Most Medicare agents treat their business as seasonal — AEP from October to December, then a slow grind the rest of the year. The agents who build eight-figure books understand that Medicare is a year-round opportunity if you source leads the right way.
Key fact: 10,000 Baby Boomers turn 65 every single day in the United States. That's a continuous, year-round pipeline of Medicare-eligible consumers who need guidance — regardless of AEP.
| Age Range | Price | Strategy |
|---|---|---|
| 0–30 days | $1.00 | AEP campaigns, T65 outreach |
| 30–60 days | $0.40 | Best year-round value tier |
| 60–90 days | $0.30 | Off-season volume campaigns |
| 90–180 days | $0.12 | High-volume auto-dialer campaigns |
| 180+ days | $0.08 | Bulk data for large call centers |
Between AEP and OEP, your focus should shift to T65 prospects and SEP-eligible consumers. Life events like losing employer coverage, moving, or qualifying for Medicaid all trigger Special Enrollment Periods. Aged Medicare leads from the last enrollment period are also ripe for outreach — many consumers shopped but never enrolled.
For agencies that want pre-qualified conversations without cold calling, Medicare inbound calls at $60–$70 per call (90-second buffer) deliver consumers who called in specifically to discuss Medicare options. No opener needed — your closer gets on the phone with an engaged, motivated prospect.
0–30 day exclusive Medicare leads at $1.00 · Aged tiers from $0.08 · Inbound calls available
Order Medicare Leads →TCPA violations are one of the biggest financial risks for insurance agents buying leads. Fines range from $500 to $1,500 per call — and they add up fast. Before you buy from any lead vendor, you need to understand what TCPA compliance actually means and how to verify it.
Bottom line: If you can't prove the consumer gave prior express written consent to be contacted, you're exposed. "I bought the leads" is not a defense.
The Telephone Consumer Protection Act (TCPA) restricts how businesses can contact consumers by phone, text, and fax. For insurance agents, the key rule is this: you must have prior express written consent before using an autodialer or prerecorded message to contact a consumer on their mobile phone.
A TCPA-compliant lead means the consumer:
Any lead vendor worth buying from can provide documentation of the opt-in source. If they can't — or won't — move on.
Shared leads create an additional legal issue: consent disputes. When five agents call the same consumer, it becomes harder to prove your specific call was consented to. Exclusive leads with documented opt-ins make your compliance position much cleaner.
Every lead we sell comes from documented opt-in sources. Call with confidence.
Build My Order →Aged leads get a bad reputation — but agents who know how to work them consistently outperform those paying premium prices for fresh data. The secret isn't the lead age. It's the approach.
The opportunity: Aged exclusive insurance leads start at $0.03. At that price, you can run 10,000 dials for $300. With the right script and system, even a 1–2% conversion rate generates significant revenue.
Consumers who requested insurance information 60–180 days ago are often still in the market. Life doesn't pause between lead form submissions and policy enrollment. Many consumers:
The biggest mistake agents make with aged leads is using the same opener as fresh leads. With aged data, acknowledge the gap and reset the conversation:
"Hi, this is [Name] — I know it's been a little while since you looked into [coverage type], but I wanted to reach out because rates have actually changed recently and I'd love to see if I can save you some money. Do you have 2 minutes?"
This opener acknowledges time has passed, creates curiosity with "rates changed," and asks for a minimal time commitment.
Aged leads are a numbers game. You won't close 30% of your dials. But at $0.03–$0.45 per lead, your CPA can still be dramatically lower than fresh leads at $1.00–$5.00. The math works when you buy in volume and dial consistently.
| Lead Age | Price | Expected Contact Rate | Volume Needed for 100 Contacts |
|---|---|---|---|
| 7–30 days | $1.00 | 85–92% | 109–118 leads |
| 60–90 days | $0.20 | 55–65% | 154–182 leads |
| 90–180 days | $0.10 | 35–50% | 200–286 leads |
| 180+ days | $0.03 | 20–35% | 286–500 leads |
Not all verticals age equally. Here's where aged leads tend to work best:
Exclusive aged data across all verticals. 180+ day auto leads at $0.03, ACA at $0.10, FE at $0.15.
Order Aged Leads →