Lead Types & Tiers
Three proven lead categories across five age tiers. Buy the combination that fits your market and budget.
Final Expense
Permanent life insurance for seniorsFinal Expense leads are individuals aged 50–85 who have expressed interest in permanent life insurance coverage. These individuals are typically looking for affordable policies to cover burial costs, medical bills, or other end-of-life expenses.
Agents who specialize in whole life or simplified-issue products with face amounts of $5,000–$25,000.
Available in all five age tiers — Real Time through Aged 181+.
Available across multiple U.S. states.
Veteran
U.S. military veterans & familiesVeteran leads are U.S. military veterans and their immediate family members who have expressed interest in life insurance. Veterans are often an underserved market with specific insurance needs and benefits to coordinate.
Agents familiar with VA benefits, burial benefits, and government life insurance programs who can provide tailored guidance.
Available across age tiers. North Carolina has significant inventory.
Available in multiple U.S. states.
Widow
Individuals reviewing coverage after lossWidow leads are individuals who have recently lost a spouse and are reassessing their life insurance and financial protection. These leads often have an immediate, tangible need and are actively seeking guidance.
Agents skilled in needs-based selling and comfortable discussing sensitive financial planning topics with empathy.
Primarily available in aged tiers.
Available in multiple U.S. states.
Age Tiers & Pricing
Leads are categorized by how recently the contact expressed interest. Fresher leads cost more; aged leads are lower-cost and great for volume or reactivation strategies.
| Tier | Lead Age | Price per Lead | Best For |
|---|---|---|---|
| Real TimeFreshest | 0–44 days | $32/lead | Agents who want the freshest contacts and highest close rates |
| Aged 45–90 | 45–90 days | $7/lead | Balanced cost and recency for active follow-up campaigns |
| Aged 91–120 | 91–120 days | $4/lead | Experienced agents comfortable with longer reactivation cycles |
| Aged 121–180 | 121–180 days | $2/lead | High-volume prospecting at a very low cost per contact |
| Aged 181+ | 181+ days | $1/lead | Bulk reactivation — large volume at minimal cost |
Prices reflect current platform configuration. See pricing page for full details.
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