Aged insurance leads are the best value inventory on the market when worked with discipline. ClosrLeads offers aged records across life, final expense, IUL, and health verticals, each with original TCPA consent records, delivered as CSV for dialer import, SMS nurture, or CRM upload. Pricing starts at $1.00 per lead.
Every product below is built for licensed insurance agents and agencies. Pricing starts at $1.00 per lead on aged volume; real-time and niche-filtered pricing varies by filter set, state, and daily volume. Live pricing and available filters are on the shop page.
Aged insurance leads are consumer inquiries that were generated more recently than you might think — often within the last 30, 60, or 90 days — but are being sold at a discount because their real-time delivery window has already passed. The consent record, the fields captured, and the vertical intent all remain intact. What has changed is urgency: the consumer has had time to think, shop, or get distracted.
That is why aged inventory behaves differently from real-time. It is not a worse lead; it is a different customer moment. Agents who understand the distinction and adjust their approach pull strong ROI from aged records at a fraction of the per-lead cost.
Aged pricing lives in a different band than real-time. Industry-standard aged pricing for life and final expense runs from $0.50 to $3.00 per record, depending on the age bucket, vertical, and filter tightness. Fresher aged (0-30 days) commands the top of that range; 60-90 day inventory sits at the bottom. ClosrLeads starts aged volume at $1.00 per lead with bulk codes that can reduce per-lead cost further on qualifying orders. Real-time pricing lives on a separate page — see the real-time leads page.
The shorthand is: real-time pays for speed, aged pays for volume. Real-time leads are delivered within seconds of submission and produce the highest contact rates, which is why they command $8 to $45 per lead depending on vertical and filter. Aged leads come in at $0.50 to $3.00 and trade contact rate for pure volume. The per-policy cost often ends up within striking distance once you account for the cadence, because aged producers work 10x the records for the same dollar.
The teams that use aged best do not try to turn it into real-time. They accept the different customer moment, build a long cadence, and let the SMS carry the first wave of conversations. Agents who try to dial aged records once and give up will almost always conclude that aged does not work. That conclusion is a cadence problem in disguise.
All aged records in the ClosrLeads inventory come from the same opt-in capture pipeline that produces our real-time inventory: web-based quote forms with explicit TCPA consent language, timestamped and attributed to a specific source page. Every aged record ships with the original consent timestamp and capture method preserved, along with the fields the agent needs to start a conversation.
Before any record reaches aged inventory, it has already passed duplicate detection, IP and device quality checks, phone and email validation, and state-level suppression. The aging itself does not change those checks; it only lowers the price. Records that fail checks at time of generation never reach inventory, aged or otherwise.
The single biggest lever on aged ROI is cadence. A 10 to 14 touch schedule spread over two to three weeks will reliably outperform the same number of touches crammed into three days. Lead with SMS on day one and two ("Hi [name], this is [agent] confirming your quote request for [coverage type]"), follow up by voice on day three and five, email on day seven, voice again on day ten and fourteen. Agents who maintain that discipline pull 30 to 50 percent more conversations from the same inventory.
The second lever is SMS quality. A generic "Are you still interested" text loses to a specific "I saw you asked about whole life coverage in [state] on the [day]. Still want a quote?" text. Aged buyers who invest in script variation on the first two touches usually see a step change in reply rates.
The third lever is attribution. Track per-source, per-batch, and per-day performance so you can stop ordering the aged inventory that underperforms. Not every aged source ages the same way. Measurement beats intuition on this question, every time.
Every record includes the fields licensed agents need to open a conversation and stay compliant. Additional fields may be available for real-time and niche lead types depending on the source and filter set.
Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.
Every aged insurance lead delivered through ClosrLeads is captured with timestamped, affirmative consent that documents who consented, when, how, and on what web property. The consent record is available on request, and is what your compliance team will need if a call or text is ever challenged under the Telephone Consumer Protection Act (TCPA) or state telemarketing rules.
Beyond opt-in capture, submissions are screened against duplicate, DNC, and quality signals, and high-risk inputs are filtered out before delivery. Buyers are responsible for maintaining their own calling-time windows, DNC policy, agent training, and state-level registrations. We document the consent; you document the agent behavior. Used together, the two form a defensible TCPA posture.
For the full regulatory picture, the FCC and FTC publish guidance on TCPA and telemarketing rules. Agents should also review their state insurance department bulletins for any state-specific requirements around lead calls, texts, and solicitation language.
Agencies that lead with SMS warm-ups on cheap volume, then roll replies into a live call queue. Aged inventory is the only way the math works at that per-lead cost.
An agent whose real-time budget fills only part of the shift. Aged fills the dead airtime with something that is at least consented and vertical-matched.
Teams running 21 to 30 day touch cadences. They care about aggregate conversations and long-tail writes, not day-one contact rate.
"We hit quota our second month using this. Great team and lightning-fast delivery that actually works."
"High quality leads and they helped us tune our dialer scripts. Support team is incredibly responsive."
"Quality verified leads at a fair price. ROI has been excellent. Highly recommend for serious agencies."
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