Life insurance leads are prospect inquiries from consumers actively evaluating coverage. ClosrLeads delivers them real-time or aged, with timestamped consent and a replacement policy for invalid contacts, so licensed agents spend airtime on people who asked to be called. Pricing is transparent and 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.
A life insurance lead is the contact record of a consumer who has expressed interest in coverage, typically by filling out a short quote form on a landing page, answering a few health and coverage questions, and granting consent to be contacted by a licensed agent. The resulting record contains the identifiers an agent needs to start a quoting conversation (name, phone, email, date of birth, state) along with the consent timestamp and the page the consumer came from.
Leads are not policies. A lead is a doorway; the agent still runs the underwriting conversation, quotes carriers, and closes the sale. What the lead provides is the starting point: a person who told a web form they want to talk. The quality of that starting point — how recent, how engaged, how well verified the consumer was — is the single biggest variable in whether the agent writes policies or burns dials.
Life insurance lead pricing falls into broad industry-standard tiers. Aged records generally sell in the $0.50 to $3.00 range, depending on age of the record, state, and filters. Real-time volume leads typically run $5 to $15 per lead. Real-time form-filled and filtered leads sit in the $15 to $45 range, with TrustedForm-backed leads and tight niches pushing higher. Exclusive leads (sold once to a single agent) are usually at the top of the band because the source can only sell them one time.
ClosrLeads publicly starts aged at $1.00 per lead, and quotes real-time pricing by volume and filter set on the shop page. Minimum order amounts apply; bulk and loyalty discount codes exist for repeat buyers. The clearest way to get a current price is to select the product and states in the shop and watch the quote recalc.
Real-time is the premium product. The consumer just typed their phone number into a form, saw the confirmation screen, and your dialer rings them within minutes. Contact rates are highest in the first hour, which is why real-time costs more per lead but usually produces a better cost per policy.
Aged leads are the volume play. A lead that was generated three, seven, or thirty days ago is far cheaper, but the consumer has moved on. Aged wins when an agent has spare dialer capacity, a disciplined SMS warm-up, and a long follow-up cadence. Mixing the two often beats picking one — aged for morning SMS touches, real-time for afternoon live calls.
A common starting split is 70% real-time / 30% aged for active closers, and 30% real-time / 70% aged for nurture-heavy agencies. The right ratio depends on how many agents are on the phones, your average call handle time, and whether your follow-up cadence runs longer than thirty days.
ClosrLeads runs web-based opt-in flows built for the life insurance vertical. Consumers land on a quote form, answer a short set of questions relevant to coverage, and grant explicit consent to be contacted by a licensed agent. Consent language, timestamps, IP address, and capture method are recorded with every submission and stored for later retrieval.
Each submission is then screened. Duplicate checks block repeats; device reputation and IP quality checks flag obvious spoof traffic; syntactic and carrier-level checks validate phone and email fields; and state suppression rules strip records where they are not permitted. What remains is passed through to the destination agent or agency in real time or written to the aged inventory for later sale.
We keep the specifics of lead sourcing brand-neutral in public writeups. What matters to the agent is the downstream behavior of the record: it is contactable, the consent is clean, and it was filtered before you paid for it.
The first principle is speed. Real-time leads lose contactability measurably with every minute past submission. A dialer or mobile click-to-call triggered by the webhook in the first two minutes will outperform a manual import, every time. The best performing agencies wire the lead directly into their dialer queue and push a secondary SMS in parallel.
The second principle is cadence. Contacting a lead once and giving up is the most common mistake new agents make. Licensed sellers who work a 10 to 14 touch cadence (mix of phone, SMS, and email) over two to three weeks reliably pull 30 to 50 percent more conversations out of the same inbound inventory. Aged leads especially respond to a patient SMS-first cadence before any voice contact.
The third principle is measurement. Track contact rate (did you reach a human), quote rate (did you get to a real quote), and write rate (did the policy issue). If your contact rate is below 25 percent, the problem is probably speed, DID routing, or call caller-ID deliverability — not the lead. If contact is fine but quote rate is low, the problem is the script or the agent. Knowing which layer is broken is the difference between fixing a lead program and blaming the source.
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 life 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.
Telesales agents writing small face-amount whole life policies for seniors. They need steady daily volume, clean phone numbers, and clear consent records to run full dialer shifts without compliance worry.
Independent agents selling 10, 20, and 30 year term policies to working-age adults. They want high-intent form-filled leads with coverage interest and date of birth so they can quote in the first call.
Owners running three to twenty agents who need predictable lead flow across multiple states. They buy mixed real-time volume plus aged for nurture, and want webhook delivery into their CRM of record.
"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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