Best real-time insurance lead companies
We ranked the strongest options for real-time leads by objective trust signals, meaning disclosure, identity, pricing and years in business, without showing any scores. The right fit comes down to your own needs.
Of the 19 companies below, 10 publish what they charge for real-time leads and nine do not. Prices per lead go from $3 (QuoteWizard) to $500 (Financialize). On sharing, nine sell only exclusive, one sells only shared and seven sell both.
Quick picks by need
- Lowest published shared leadQuoteWizardFrom $3 per lead
- Lowest published exclusive leadNextGen LeadsFrom $4 per lead
- Sells both shared and exclusiveQuoteWizard, SmartFinancial and BenepathPlus four more
- No depositFinancialize, Lead Heroes and AWLPlus four more
19 companies
It publishes a 10-day return window.
- Best for
- Personal lines agents who want high-volume shared web leads with detailed filters
- Shared leads
- $3 to $26.75 per lead (October 2026)
- 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
- The lead credit policy isn't public
It sells both exclusive and shared, so you can buy either.
- Best for
- Agents who want live transfers and web leads in one account
- Shared leads
- $8 to $30 per lead (September 2026)
- Exclusive leads
- $8 to $30 per lead (September 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Shared or exclusive
- To start
- A non-refundable deposit set by SmartFinancial
- Returns
- Up to 10 days, as account credit
- Check first
- Pauses are limited to 14 days
Pick this if you only buy exclusive leads.
- 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
- Credits only for materially false contact details, at Financialize's discretion
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
- Shared or exclusive
- To start
- A non-refundable deposit set by Benepath
- Returns
- Within 10 days for bad numbers and fake leads
- Check first
- Returns limited to 10 days
Pick this if you want to start without a deposit.
- Best for
- Final expense and Medicare agents who want exclusive leads that have already agreed to a call
- Exclusive leads
- $12 to $50 per lead (September 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- To start
- 20 leads minimum, $800 for final expense
- Returns
- Sold as is
- Check first
- Leads come from outbound calls to lists, not from shoppers who searched online
It sells both exclusive and shared, so you can buy either.
- 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)
- Lead types
- Real-time data leads
- 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
- Fees already paid aren't refunded
Pick this if you want the choice of exclusive or shared.
- 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
- Shared leads
- from $12 per lead (October 2026)
- 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
- An inactivity fee applies after 90 days without a lead purchase, even while the account is paused
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
- 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
It sells both exclusive and shared, so you can buy either.
- Best for
- Personal lines agents, including captive agents, who want shared or exclusive leads with free filters
- Lead types
- Real-time leads
- 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
It publishes a 10-day return window.
- Best for
- Agents who want shared web leads across many lines with no deposit and free geographic targeting
- Lead types
- Real-time leads
- Shared or exclusive
- Shared
- To start
- No deposit or setup fee
- Returns
- Up to 10 days, as account credit
- Check first
- Returns come back as account credit only
It sells both exclusive and shared, so you can buy either.
- Best for
- Auto and home agents who want real-time leads and calls with no minimum spend
- Lead types
- Real-time data leads
- Shared or exclusive
- Shared or exclusive
- To start
- Prepaid balance, no minimum spend
- Returns
- Up to 20% of a month's leads, within 30 days
- Check first
- SmartCampaigns can add leads outside your criteria unless you opt out
Pick this if you would rather not put money down before you buy.
- Best for
- Final expense agents who want exclusive leads or live transfers at published prices
- Exclusive leads
- $23 to $28 per lead (October 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- 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
- Managed campaigns add your own ad spend
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
- ILeads can end or suspend your access without notice
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
- Lead types
- Real-time leads
- 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
- No published lead prices
A fit if you do not want to fund a deposit first.
- Best for
- Life, final expense and annuity agents who want exclusive leads in weekly packs, with no deposit
- Exclusive leads
- $17 to $25 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
- Replacement leads only, with no cash refunds
Everything it sells here is exclusive, so you never share a shopper.
- Best for
- Life and health agents who want low-cost real-time or aged leads with published prices
- Exclusive leads
- $19 to $31 per lead (October 2026)
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- To start
- A single order or a weekly subscription, paid by card, with no setup fee
- Returns
- Replacements for up to 20% of an order, requested within 72 hours
- Check first
- Bad leads are replaced up to 20% of an order, with no refunds
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
- Replacement leads only, up to a 20% return rate
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
- Real-time leads
- 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
Everything it sells here is exclusive, so you never share a shopper.
- Best for
- Commercial lines agencies that want real-time small business leads
- Lead types
- Real-time leads
- Shared or exclusive
- Exclusive
- To start
- Daily volume from one lead to 100 a day
Companies are in our default trust order (disclosure, identity, pricing, years in business). Each price is the one the company publishes for real-time leads, with its date.
How we chose
We include a company when one of its offers is real-time leads. That gave us 71 offers from 19 companies, priced September 2026 to October 2026. On deposits, seven ask for a deposit and seven ask for none.
Position in a list says little about which seller of real-time leads will work for you. What a sale costs you says more, so trial two or three with modest orders.
Frequently asked questions
How do I choose a company for real-time leads?
Shortlist a few and trial each with a modest purchase of real-time leads, following up on every lead identically before you commit more money. 10 of the 19 publish a window for reporting bad leads, between 3 and 30 days, so ask the others for theirs in writing.
When do exclusive real-time leads justify what they cost?
Sometimes, when they close more often. The cheapest exclusive price per lead here is $4 at NextGen Leads, against $3 at QuoteWizard for shared. Judge by what each sale costs you.
What do real-time leads cost?
Published prices here are $3 to $500 per lead across nine companies, $15 per hour and $5,000 to $16,000 per month across one company. Nine of the 19 publish no price for it.
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.