Most agents do not have a “closing” problem—they have a lead selection and follow-up speed problem. If you want life insurance leads that actually convert in 2026, you need to understand what you are buying and how to work it the moment it arrives.

1) Exclusive vs Shared: The Real Cost

Shared leads can look cheaper, but they often cost more per policy once you factor in lower contact rates and higher competition. Exclusive leads typically win when:

• Your team calls fast (ideally within 60 seconds).
• You track outcomes by source (contact, quote, submit, issue).
• You run a multi-touch follow-up (calls + SMS + email).

2) Real-Time vs Aged: Freshness Beats Volume

If a lead opted in last week, they may not even remember what form they filled out. If they opted in 30 seconds ago, you are speaking to someone with active intent. Freshness is the easiest advantage to buy—if your systems are ready.

3) The Conversion System: What to Do in the First 10 Minutes

When a new life insurance lead comes in, your goal is simple: make contact fast and book the next step. Use this framework:

1. Call immediately (aim for under 60 seconds).
2. Leave a short voicemail (name, reason, call-back number).
3. Send an SMS that references their request and offers two times to talk.
4. Call again within 5–8 minutes (many people answer the second attempt).

Where ClosrLeads Fits

ClosrLeads is designed for agents who want exclusive, real-time life insurance leads with systems that support speed-to-lead. Pairing real-time opt-ins with a dialer like ClosrTech helps you spend more time talking to buyers—and less time clicking, importing, and waiting.