Best life insurance lead companies
Here are the strongest life leads options we found. The order comes from objective trust signals (disclosure, identity, published pricing and years in business) and no scores are shown. Which one is right comes down to your own needs.
Of the 15 companies below, six publish what they charge for life leads and nine do not. The published per-lead prices run from $4 at NextGen Leads up to $225 at Financialize, and on sharing, six sell only exclusive, one sells only shared and five sell both.
Quick picks by need
- Lowest published exclusive leadNextGen LeadsFrom $4 per lead
- Sells both shared and exclusiveQuoteWizard, NextGen Leads and MediaAlphaPlus two more
- No depositFinancialize, LeadMaker and AWLPlus two more
- AppointmentsOneLife Marketing SolutionsThe only one
15 companies
It sells both exclusive and shared, so you can buy either.
- Best for
- Personal lines agents who want high-volume shared web leads with detailed filters
- Lead types
- Real-time leads
- Shared or exclusive
- Shared or exclusive
- To start
- Pay as you go
- Returns
- Up to 25% of leads within 10 days
- Check first
- Health leads average about three buyers each
It sells shared leads here, so expect other agents calling the same shopper.
- Best for
- Agents who want live transfers and web leads in one account
- Shared leads
- $8 to $30 per lead (September 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Shared
- To start
- A non-refundable deposit set by SmartFinancial
- Returns
- Up to 10 days, as account credit
- Check first
- 2.95% fee on card payments
Pick this if a published return window matters to you. Here it is 3 days.
- Best for
- Annuity and life agents who want exclusive leads at published prices
- Exclusive leads
- $9 to $225 per lead (October 2026)
- Lead types
- Real-time data leads
- Shared or exclusive
- Exclusive
- To start
- No upfront fee
- Returns
- Account credit for false contact details reported within 72 hours
- Check first
- Lead purchases fall under a separate agreement that isn't posted on the site
Pick this if a published return window matters to you. Here it is 10 days.
- Best for
- Health, group health and commercial agents who want leads from a vendor's own sites
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- To start
- A non-refundable deposit set by Benepath
- Returns
- Within 10 days for bad numbers and fake leads
- Check first
- Non-refundable deposit and unused balance
Pick this if you would rather not put money down before you buy.
- Best for
- Agents who want large volumes of low-cost aged leads, or a caller to work them
- Live transfers
- $1,350 per month (October 2026)
- Aged leads
- $275 to $1,000 per pack (October 2026)
- Lead types
- Live transfers
- To start
- One aged pack of 1,000 leads, paid by PayPal
- Returns
- No refunds or credits
- Check first
- No published consent or Do Not Call process for the leads
Pick this if a published return window matters to you. Here it is 10 days.
- Best for
- Health, Medicare supplement and life agents who want to set their own bids and manage several producers from one account
- Exclusive leads
- from $4 per lead (October 2026)
- Live transfers
- from $35 per call (October 2026)
- Lead types
- Real-time data leads, live transfers
- Shared or exclusive
- Shared or exclusive
- To start
- A prepaid balance funded by credit card
- Returns
- Up to 10 days, as account credit
- Check first
- Returns come back as account credit
It publishes a 7-day return window.
- Best for
- Agents who want auto, home and life leads, shared by default, on their own price terms, with no contract and a small starting deposit
- Lead types
- Real-time leads
- Shared or exclusive
- Shared or exclusive
- To start
- Independent agents start with a $250 deposit that becomes lead credit
- Returns
- Credit for invalid leads, requested within seven days
- Check first
- Returns are credits, capped at 20% of monthly leads
Pick this if you only buy exclusive leads.
- Best for
- Agents and call centers who want exclusive live transfers across personal lines, health, Medicare or commercial
- Lead types
- Live transfers, real-time data leads
- Shared or exclusive
- Exclusive
- To start
- A prepaid balance, paid by credit card
- Returns
- Account credit, requested within 48 hours for calls
- Check first
- Lead credits are capped at 15% of leads
Pick Lead Connections if its published terms match how you buy leads.
- Best for
- Senior market agents who want prepaid direct mail responses they can target by ZIP or county
- Lead types
- Direct mail responses
- To start
- Prepaid
- Returns
- No return policy is published on the official site
- Check first
- No published return policy
Pick this if you want the choice of exclusive or shared.
- Best for
- Personal lines agents, including captive agents, who want shared or exclusive leads with free filters
- Lead types
- Real-time leads, live transfers
- Shared or exclusive
- Shared or exclusive
- To start
- A prepaid deposit
- Returns
- Account credit for eligible bad leads, with no return window published
- Check first
- Returns come back as account credit, not cash
Pick this if you want real-time leads and live transfers from the same company.
- Best for
- Agents who want shared web leads across many lines with no deposit and free geographic targeting
- Lead types
- Real-time leads, live transfers
- Shared or exclusive
- Shared or exclusive
- To start
- No deposit or setup fee
- Returns
- Up to 10 days, as account credit
- Check first
- Returns come back as account credit only
Pick iLeads if its published terms match how you buy leads.
- Best for
- Agents who want auto, home, health and life leads by the lead, with a free account and no minimum
- Lead types
- Real-time leads
- To start
- A free account funded with credits
- Returns
- Free replacement for bad leads bought within 14 days of the lead's date
- Check first
- Leads older than 14 days when you buy them can't be replaced, and other leads are sold as is
Pick this if you only buy exclusive leads.
- Best for
- Life, final expense and annuity agents who want exclusive leads in weekly packs, with no deposit
- Exclusive leads
- $35 per lead (October 2026)
- Aged leads
- $1 to $21 per lead (October 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive for 30 days, then may be shared
- To start
- One weekly pack paid by card at checkout, with no deposit or setup fee
- Returns
- Replacement leads, requested within three business days
- Check first
- Subscriptions can't be canceled or paused during the minimum term
Pick this if you would rather not put money down before you buy.
- Best for
- Life and final expense agents who want small exclusive lead packs at published prices
- Exclusive leads
- $750 to $3,150 per pack (October 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- To start
- One pack, paid at checkout, with Affirm financing available
- Returns
- Replacement leads, requested within 48 hours
- Check first
- Leads usually take five to seven business days to fill
Pick this if you want real-time leads, live transfers and appointments from the same company.
- Best for
- Medicare, final expense, life and IUL agents who want exclusive leads with detailed filters for each line
- Lead types
- Real-time leads, live transfers, appointments
- Shared or exclusive
- Exclusive
- To start
- A signed order or program agreement
- Returns
- Automatic credit for qualifying leads, processed within 24 hours
- Check first
- No general return window is published, and Florida life leads must be returned within 48 hours
The order is our default trust order: disclosure, identity, pricing and years in business. Each price is what the company publishes for life leads, with its date.
How we chose
We include a company when at least one offer lists life as a line. That gave us 27 offers from 15 companies, priced September 2026 to October 2026. Looking at upfront money, six ask for a deposit and five ask for none.
Aged leads are a separate kind of product, so the three aged offers from three companies are kept out of the counts above. Results with life leads vary with your market and your follow-up habits. Spend a little with two or three, treat their leads identically and compare what each policy costs you.
Frequently asked questions
How do I choose a company for life leads?
Start with two or three companies that sell life leads, buy a few leads from each and follow up on all of them identically. Only eight of the 15 publish a return window, and those run from 3 to 10 days, so get the rest in writing before you spend much.
When do exclusive life leads justify what they cost?
Whether it pays off hinges on how often they close. Exclusive starts at $4 a lead (NextGen Leads) and shared at $8 (SmartFinancial), so the gap only pays off if the exclusive ones close that much more often.
What do life leads cost?
Going by the prices companies publish: $4 to $225 per lead across four companies, $35 per call and $1,350 to $2,300 per month across one company. Nine of the 15 leave the price off.
Why are aged leads listed separately?
Aged leads are older contacts resold after the first buyers, so they behave like a marketing list more than a fresh lead. All three that sell them also sell fresh leads on this line. The lowest aged price published for life leads is $1 to $21 per lead.
How we researched this. We based this page on each company's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.