Best insurance live transfer companies
Here are the strongest live transfers 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.
13 companies sell live transfers, and five of them put a price on it. Prices per month go from $1,350 (LeadMaker) to $13,000 (Next Call Club). On sharing, 10 sell only exclusive and one sells only shared.
Quick picks by need
- Lowest published live transferSmartFinancialFrom $18 per call
- No depositFinancialize, LeadMaker and AWLPlus one more
13 companies
Pick this if you only buy exclusive leads.
- Best for
- Personal lines agents who want high-volume shared web leads with detailed filters
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- Pay as you go
- Returns
- Up to 25% of leads within 10 days
- Check first
- Billing rules for WizardCalls aren't published
Pick this if a published return window matters to you. Here it is 10 days.
- Best for
- Agents who want live transfers and web leads in one account
- Live transfers
- $18 to $70 per call (September 2026)
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- A non-refundable deposit set by SmartFinancial
- Returns
- Up to 10 days, as account credit
- Check first
- Non-refundable deposit, and the amount isn't published
Pick this if you want to start without a deposit.
- Best for
- Annuity and life agents who want exclusive leads at published prices
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- No upfront fee
- Returns
- Account credit for false contact details reported within 72 hours
- Check first
- Life lead prices run from $9 to $225, so quotes vary widely by profile
Pick this if you only buy exclusive leads.
- Best for
- Health, group health and commercial agents who want leads from a vendor's own sites
- Lead types
- Live transfers
- 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
- Pauses are limited to 14 days
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)
- Lead types
- Live transfers
- To start
- One aged pack of 1,000 leads, paid by PayPal
- Returns
- No refunds or credits
- Check first
- Caller packs need 14 days' written notice to cancel
Pick this if you only buy exclusive leads.
- Best for
- Health, Medicare supplement and life agents who want to set their own bids and manage several producers from one account
- Live transfers
- from $35 per call (October 2026)
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- A prepaid balance funded by credit card
- Returns
- Up to 10 days, as account credit
- Check first
- Fees already paid aren't refunded
Everything it sells here is exclusive, so you never share a shopper.
- Best for
- Agents and call centers who want exclusive live transfers across personal lines, health, Medicare or commercial
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- A prepaid balance, paid by credit card
- Returns
- Account credit, requested within 48 hours for calls
- Check first
- The agreement renews every year until one side ends it
Pick this if you only buy exclusive leads.
- Best for
- Personal lines agents, including captive agents, who want shared or exclusive leads with free filters
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- A prepaid deposit
- Returns
- Account credit for eligible bad leads, with no return window published
- Check first
- Live transfer pricing and billing rules aren't published
Pick this if you would rather not put money down before you buy.
- Best for
- Agents who want shared web leads across many lines with no deposit and free geographic targeting
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- No deposit or setup fee
- Returns
- Up to 10 days, as account credit
- Check first
- Web leads are shared, with two to four agents on average
Pick this if you only buy exclusive leads.
- Best for
- Auto and home agents who want real-time leads and calls with no minimum spend
- Lead types
- Live transfers
- Shared or exclusive
- Exclusive
- To start
- Prepaid balance, no minimum spend
- Returns
- Up to 20% of a month's leads, within 30 days
- Check first
- Exclusive leads require buying shared leads too
Pick this if shared leads are fine for you.
- Best for
- Final expense agents who want exclusive leads or live transfers at published prices
- Live transfers
- $30 per call (October 2026)
- Lead types
- Live transfers
- Shared or exclusive
- Shared
- To start
- A 25-lead Premium order, paid by card
- Returns
- Lead credits for set reasons, and automatic credit for calls under 15 seconds
- Check first
- Sales are final, with credits only for the listed reasons
Pick this if a published return window matters to you. Here it is 10 days.
- Best for
- Personal lines agencies, including captive agents, that want auto and home leads or a calling team to work them
- Live transfers
- $13,000 per month (October 2026)
- Lead types
- Live transfers
- To start
- At least 15 leads a day
- Returns
- Replacement or credit when more than 5% of a batch has bad contact details
- Check first
- Returns only when more than 5% of a batch has bad contact details
Pick this if you only buy exclusive leads.
- Best for
- Medicare, final expense, life and IUL agents who want exclusive leads with detailed filters for each line
- Lead types
- Live transfers
- 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
Companies are in our default trust order (disclosure, identity, pricing, years in business). Each price is the one the company publishes for live transfers, with its date.
How we chose
We include a company when one of its offers is live transfers. That gave us 20 offers from 13 companies, priced September 2026 to October 2026. Looking at upfront money, six ask for a deposit and four ask for none.
Which of these suits you for live transfers turns on your market, your follow-up style and your budget. Put a modest amount into two or three and see which brings the lowest cost per policy sold.
Frequently asked questions
How do I choose a company for live transfers?
Start with two or three companies that sell live transfers, buy a few leads from each and follow up on all of them identically. Only eight of the 13 publish a return window, and those run from 3 to 30 days, so get the rest in writing before you spend much.
When do exclusive live transfers justify what they cost?
Whether it pays off hinges on how often they close. Exclusive starts at $18 a call (SmartFinancial) and shared at $30 (TTC Leads), so the gap only pays off if the exclusive ones close that much more often.
What do live transfers cost?
Going by the prices companies publish: $18 to $70 per call across three companies and $1,350 to $13,000 per month across two companies. Eight of the 13 leave the price off.
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.