Buying insurance leads should be simple: choose a vertical, choose your states, choose real-time or aged, and start receiving records that actually convert. ClosrLeads is built for that agent workflow across life, final expense, IUL, Medicare, health, mortgage, auto, and home. TCPA-compliant capture, transparent pricing, and a replacement policy for invalid contacts.
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.
Buying insurance leads means purchasing contact records of consumers who have expressed interest in coverage — typically by filling out a quote form on a landing page and granting consent for a licensed agent to follow up. The lead includes the identifiers an agent needs to start a conversation (name, phone, email, date of birth, state, coverage interest) along with the timestamped TCPA consent that makes the call legal.
What you are really buying is not the record. You are buying a moment: the consumer's attention, within the window where they still remember why they filled out the form. Real-time leads sell the first ten minutes of that window at a premium. Aged leads sell the rest of the window — the weeks when the consumer keeps shopping — at a discount.
Insurance lead pricing spans two orders of magnitude across the industry. Cheap aged final expense starts under $1.00. Expensive exclusive real-time IUL can run $100+. The honest answer depends on vertical, delivery speed, filters, and exclusivity. As a first approximation: aged runs $0.50 to $3.00, real-time volume runs $5 to $25, real-time form-filled runs $20 to $70, and exclusive form-filled runs from $30 into three digits.
The number that matters is per-issued-policy cost, not per-lead price. A $25 real-time lead that writes at 15% is cheaper per policy than a $2 aged lead that writes at 1%, even though the per-lead cost is twelve times higher. Agents who compare providers on per-lead price alone almost always pick the wrong source.
Real-time leads show up within seconds of the consumer submitting the form. Your dialer rings the consumer while they still have the confirmation screen open. Aged leads are the same records, sold later at a discount to the buyers who have cadence discipline and SMS capacity to work them over weeks rather than minutes. Both are useful; neither is universally better.
Agencies with full dialer shifts should buy real-time to feed them. Agencies with SMS nurture flows should buy aged to feed them. Most well-run operations do both.
ClosrLeads leads are captured through web-based opt-in quote forms across our vertical verticals (life, final expense, IUL, Medicare, health, ACA, mortgage, auto, home). Every submission records the consent text, the click timestamp, the IP address, user agent, and origin page. Records pass through duplicate detection, IP and device quality checks, phone and email validation, and state suppression before they reach the buyer or the aged inventory.
We keep sourcing specifics brand-neutral in public writeups. What matters to the buyer is what arrives: contactable records, clean consent, accurate fields, on time.
Every lead carries the standard field set — name, phone, email, date of birth, state, ZIP, coverage interest, consent timestamp, capture method. Real-time flows add the IP, user agent, and optional TrustedForm certificate URL. Vertical-specific fields (income band, household size, existing coverage flag) vary by product and are listed on each pillar page.
Every ClosrLeads record is captured with affirmative, timestamped TCPA consent. The consent language, the click timestamp, and the origin page are preserved with the record and retrievable on request. Buyers remain responsible for their own DNC management, calling-time windows, and state-level telemarketing registrations — the consent documents who the consumer agreed to hear from, not how the agent behaves after the call connects.
Licensed individual agents, small team agencies, and call-center-scale operations all buy from ClosrLeads. The smallest orders come from new agents testing a vertical; the largest come from agencies running multiple carriers and multiple agents across multiple states. The shop is designed so both ends of that spectrum can self-serve, with support available for custom filter combinations and large volume quotes.
Speed on real-time, cadence on aged. For real-time, get the dialer ringing within three minutes of webhook receipt. For aged, run a 10 to 14 touch cadence over two to three weeks using SMS, voice, and email. For both, measure contact rate, quote rate, and write rate separately, because each is a different layer of the funnel with different fix-it moves.
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 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.
Licensed within the last year, shopping providers for the first time, trying to avoid the common rookie mistakes (overpaying, buying too narrow a niche, buying without a cadence plan).
An established agency leaving a bad incumbent provider. Wants a clean webhook, honest TCPA records, and a per-policy cost that actually pencils out against last year.
An agency writing multiple product lines that wants one consolidated lead provider rather than juggling five. Values transparent pricing, unified compliance, and a single contact for replacements.
"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."
Pick a lead type, choose your states, and start receiving leads the same day.
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