Insurance
Insurance Lead Generation: Leads, Inbound Calls or Live Transfers?
How insurance agencies buy prospects: internet leads, inbound calls and live transfers compared, the criteria for final expense, Medicare, auto and home, and what to ask a vendor.
Key takeaways
- Agencies buy three main products: internet leads, inbound calls and live transfers.
- Calls and transfers cost agents the least time chasing, because the prospect is already on the phone.
- Each line of insurance has its own criteria, written into the intake script.
- Ask about call sources, recordings, consent, Do Not Call scrubbing and Medicare rules.
Insurance lead generation is how agencies buy prospects from outside marketing companies instead of finding every client themselves. Agencies buy three main products: internet leads (form fills your agents call back), inbound calls (callers who ring your agents' line from an ad) and live transfers (callers screened by an intake team, then connected to your agents while still on the line). Calls and transfers cost your agents the least time chasing, because the prospect is already on the phone.
Internet leads vs. inbound calls vs. live transfers
| Internet lead | Inbound call | Live transfer | |
|---|---|---|---|
| What you receive | Contact details from a form | A caller on your agents' line | A screened caller on your agents' line |
| Who screens | Your agents, after the callback | Callers match your criteria from the ad and its targeting | An intake team, against your criteria |
| When your agent talks to them | Whenever the callback connects | Right away | Right away |
| How you pay | Per lead | Per call | Per call |
We deliver inbound calls and live transfers to insurance agencies, not internet leads. Read inbound calls vs. live transfers for insurance agencies to choose between them.
Which lines of insurance do agencies buy calls for?
Agencies buy calls for many lines, including final expense, Medicare, auto and home insurance, the four lines we run. Each line has its own criteria, written into the intake script:
- Final expense: age range, coverage amount, how the caller will pay premiums, and the states your agents are licensed in.
- Medicare: eligibility, the plans your agents offer, the counties and states you cover, and the enrollment periods you work.
- Auto: states and ZIP codes, vehicles and drivers, current coverage and driving history.
- Home: property type, ownership, location, and when the caller needs coverage.
What should an agency ask an insurance lead vendor?
- Where do the calls come from? Ours come from our own ads and a vetted publisher network, and every caller goes through the same intake script.
- What do I pay for? You pay per call, and if a caller fails one of your questions, we do not send them to you and you do not pay for them.
- Are calls recorded? Every intake call is recorded, and you can get the recording of any call we send you.
- How is consent captured? Every caller agrees to be connected before a transfer, we capture third-party consent certificates, and numbers are scrubbed against the National Do Not Call Registry before we call or text them.
- What about Medicare rules? Our Medicare calls follow CMS rules for third-party marketing organizations, including the required disclaimer. Read Medicare live transfers.
- Is there a volume commitment? None: you buy an order, we deliver it, and you reorder when you want more.
Our compliance page covers every control in one place.
How fast can insurance calls start?
Usually within 24 hours of the signed order. We need the phone number that receives the calls, the hours you take them, and a daily cap.
See all lines of insurance, or book a call and we will show you the ads and the intake questions. Book a call for pricing on your line.