Real-time insurance leads are delivered the instant the consumer submits the form, complete with timestamped TCPA consent and the fields your dialer needs. ClosrLeads pushes real-time inventory to your CRM webhook or CSV feed across life, final expense, IUL, Medicare supplement, and health verticals.
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 real-time insurance lead is a consumer who just submitted a quote request on a web form and whose record is delivered to the buying agent within seconds. The webhook arrives in the CRM or dialer, the system routes the lead to the next available agent, and ideally the agent is on the phone with the consumer inside of three minutes. That window — the first three to ten minutes after submission — is the single most valuable contact moment in the entire insurance lead market.
Everything about real-time inventory is designed around that moment. The consent is freshly timestamped, the fields are the ones the agent needs to open the call, and the delivery is designed to beat the consumer's next distraction. When it works, real-time produces the highest contact and write rates of any lead type.
Real-time pricing varies dramatically across verticals. In life insurance, volume real-time runs $8 to $20 per lead; form-filled with filters sits at $30 to $70; exclusive with tight filters can push higher. IUL real-time is the most expensive sub-vertical because the per-case premium justifies it. Final expense real-time typically runs $8 to $20 on volume. Health and ACA real-time commonly run $8 to $25. Medicare supplement real-time often runs $20 to $40.
ClosrLeads prices real-time by volume, filter set, and target states on the shop page, with bulk and winback discount codes available for qualifying orders. The honest way to compare providers is per-issued-policy cost, not per-lead price — a $20 real-time lead that produces a 20% write rate is cheaper per issue than a $5 aged lead that produces 2%.
Real-time exists to buy the first ten minutes after submission. Aged exists to buy volume at a price. They are complementary, not substitutable. A well-run agency typically runs a mix: real-time during peak dialer hours when agents are live, aged during nurture hours and as SMS fuel. The exact split depends on staffing and cadence discipline.
Real-time is the only lead type where speed-to-first-dial is the dominant predictor of outcome. Aged is the only lead type where cadence discipline and SMS quality are the dominant predictors. Agents who understand that difference buy the right inventory for their operation.
ClosrLeads real-time flows capture leads through web-based quote forms with timestamped TCPA consent language. Every submission records the consent text shown, the click timestamp, the IP address, the user agent, and the origin page. Those fields travel with the lead into the buyer webhook so your compliance team has the full record at the moment of delivery.
Each submission is screened in real time: duplicate detection, IP and device reputation, phone and email validation, and state suppression. Records that fail any check are dropped before delivery. Real-time form-filled inventory can include TrustedForm certificate URLs where the source supports them, giving buyers a third-party certificate of capture on top of our internal consent record.
Speed first. The single biggest lever on real-time outcome is first-dial time. Measure it, monitor it, and route the webhook through a dialer that calls within seconds rather than a CRM that opens a task for an agent to manually click. Every added minute of delay costs measurable contact rate.
Second, caller ID health. A real-time program with dead DIDs and spam-flagged numbers will underperform the exact same leads called from a fresh caller-ID stack. If your dialer deliverability has degraded, that is the fix — not the lead source.
Third, script and carrier match. The real-time consumer is in research mode, not buy-today mode. An agent who leads with a fast needs analysis and quote comparison will beat one who opens with a price. Especially in life and IUL, the first five minutes set up the next five weeks of follow-up; the sale often comes on the second or third call, not the first.
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 real-time 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.
One to three agents hammering live dials during peak hours. Real-time is the only lead type where the consumer is still on the landing page thinking about the policy when the phone rings.
Agency running a dialer that auto-calls on webhook receipt. Every millisecond counts; the webhook speed and payload shape matter as much as the lead quality itself.
Teams routing real-time leads to the next available agent and running A/B tests on scripts, carriers, and DID caller IDs. Real-time is the only way to get a clean experimental signal.
"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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