InsureLeads review: leads, pricing and terms
InsureLeads sells exclusive insurance leads at a published rate card: web leads, live transfers, contact-verified leads and preset appointments, plus aged leads by age band. It covers final expense, Medicare, ACA and health, life, mortgage protection, auto, home, IUL, commercial truck and annuity.
Fresh leads go to one buyer and aren't resold, and each one carries a TrustedForm or Jornaya consent certificate. You pay from a prepaid wallet, and unused funds can be refunded.
- Best for
- Agents who want exclusive leads, transfers or appointments at published prices
- Formats
- Exclusive web leads, live transfers, contact-verified leads, aged leads and preset appointments
- Lines
- Auto, home, health, final expense, mortgage protection, life, Medicare, commercial, IUL and annuity
- Shared or exclusive
- Fresh leads, transfers and appointments are exclusive. Aged leads may have been sold before
- Price
- Published rate card. Exclusive web leads $35 to $125 per lead, live transfers $90 to $300 per call
- To start
- A prepaid wallet. Fresh lead campaigns start at $2,500, aged leads have no minimum
- Contract
- Month to month, with no annual contract or cancellation fee
- Returns
- Replacement or wallet credit, requested within 72 hours
- States
- All 50, by state, county, ZIP code or tight radius
Our take
InsureLeads fits agents who want exclusive leads at prices they can see before they talk to anyone, with a choice of how much screening happens before the lead reaches them: a plain web lead, a contact-verified lead, a live transfer or a preset appointment. Final expense, Medicare, life and annuity agents get the widest choice.
Most agents should start with aged leads, which have no minimum order, or a single fresh lead campaign in one line and state, then compare cost per sale across lead types before moving to transfers or appointments.
Set your state, age and coverage filters before launch, since county, ZIP code and narrow age targeting add a surcharge to the base price.
Pros
- Published prices for every line and lead type
- Fresh leads go to one buyer and aren't resold
- Contact-verified leads, live transfers and appointments for more screening
- Unused wallet funds can be refunded
- Month to month, no fee to cancel
- TrustedForm or Jornaya certificate on each web lead
- Lists 33 CRM and dialer connections
Cons
- Fresh lead campaigns start at $2,500 and live transfers at $3,000
- County, ZIP code and narrow targeting add a surcharge
- Returns must be requested within 72 hours
- Aged leads may have been sold to other agents before
Product details
| Product | Lines | Who gets it | Typical price |
|---|---|---|---|
| Exclusive web leads | Auto, home, health, final expense, mortgage protection, life, Medicare, commercial, IUL and annuity | One agent | $35 to $125 per lead |
| Contact-verified web leads | Auto, home, health, final expense, mortgage protection, life, Medicare, commercial, IUL and annuity | One agent | $50 to $175 per lead |
| Interest-verified live transfers | Auto, home, health, final expense, mortgage protection, life, Medicare, commercial, IUL and annuity | One agent | $90 to $300 per call |
| Pre-vetted final-expense transfers | Final expense | One agent | $250 to $300 per call (final expense $250, final expense $300) |
| Aged leads | Auto, home, health, final expense, mortgage protection, life, Medicare, commercial, IUL and annuity | May have been sold before | $0.25 to $12 per lead |
| Preset appointments | Final expense, Medicare, health, life, mortgage protection, IUL, commercial and annuity | One agent | $150 to $575 per appointment |
Contact-verified leads
For a contact-verified lead, an InsureLeads rep reaches the person and confirms five things before delivery: the phone works, it's the right person, they live in your state, they fit your age or business criteria and they're interested in the product.
Live transfers
A screener checks the caller's interest, age and state and then puts the call through to you. You only get billed for a transfer once the right person has been on the line for at least 90 seconds, has confirmed interest, meets your state, age and eligibility filters and you're available to take the call.
If a call isn't right you can decline it while it's in progress. Pre-vetted final expense transfers include extra questions about health and medications and come in guaranteed issue and level or graded tiers.
Aged leads
Aged leads come in four age bands that run from 30 to 90 days old up to more than a year old. They arrive as a CSV file or get pushed to your CRM, and other agents may have bought them before you.
Preset appointments
You can buy appointments two ways. A confirmed appointment is billed once it is booked and confirmed, and a kept appointment is billed once the person actually attends or completes a real phone consultation. If a confirmed appointment doesn't show you get one free rebooking attempt.
Getting started
- Book a call or email InsureLeads. You pick your line, lead type and territory and get back a quote that stays valid for seven days.
- Fund your prepaid wallet by card or ACH. ACH saves 2%, and you can turn on auto-reload with your own amount and threshold.
- Next come your filters and a daily cap, plus a limit on how many calls can ring at once if you buy live transfers.
- Leads arrive by email, text, webhook, API or straight into your CRM or dialer, and each one is debited from your wallet.
Pricing
The full rate card is public. What you pay depends on the line and lead type and also on state, filters and season.
Commit to $5,000 or more a month in prepaid spend and you get a 5% discount, and at $10,000 or more it goes to 8%. Narrow targeting by county, ZIP code, age or coverage adds a surcharge, which is capped at 30% combined.
| Line | Exclusive web lead | Contact-verified lead | Live transfer |
|---|---|---|---|
| Final expense | $50 | $70 | $110 |
| Medicare | $70 | $95 | $125 |
| ACA and health | $45 | $65 | $100 |
| Life | $65 | $90 | $160 |
| Mortgage protection | $55 | $80 | $150 |
| Auto | $35 | $50 | $90 |
| Home | $45 | $60 | $100 |
| IUL | $125 | $175 | $275 |
| Commercial truck | $110 | $150 | $225 |
| Annuity | $125 | $175 | $300 |
Pre-vetted final expense transfers cost $250 for guaranteed issue and $300 for level or graded. Prices as of October 2026 and change with state, filters and season.
| Line | 30 to 90 days | 91 to 180 days | 181 to 365 days | Over 365 days |
|---|---|---|---|---|
| Final expense | $3 | $1.75 | $1 | $0.50 |
| Medicare | $5 | $3 | $1.50 | $0.75 |
| ACA and health | $3.50 | $2 | $1 | $0.50 |
| Life | $4 | $2.50 | $1.25 | $0.60 |
| Mortgage protection | $5 | $3 | $1.50 | $0.75 |
| Auto | $2 | $1 | $0.50 | $0.25 |
| Home | $2.50 | $1.25 | $0.60 | $0.30 |
| IUL | $12 | $7 | $4 | $2 |
| Commercial truck | $12 | $7 | $4 | $2 |
| Annuity | $12 | $7 | $4 | $2 |
Price per lead. Aged leads have no minimum order.
| Line | Confirmed | Kept |
|---|---|---|
| Final expense | $175 | $225 |
| Medicare | $200 | $250 |
| ACA and health | $150 | $190 |
| Life | $250 | $325 |
| Mortgage protection | $225 | $300 |
| IUL | $400 | $500 |
| Commercial truck | $325 | $425 |
| Annuity | $450 | $575 |
A confirmed appointment is booked and confirmed. A kept appointment is billed once the consultation takes place.
| Item | Cost |
|---|---|
| Dedicated campaign launch | $2,500 minimum: $500 build plus $2,000 lead credit |
| Live transfers | $3,000 minimum to launch |
| Preset appointments | the larger of $1,250 or 5 appointments |
| Aged leads | No minimum order |
| Custom CRM or API | $500 to $1,500 setup |
| Targeting | County 10%, ZIP or tight radius 15%, narrow age or coverage 10% to 15%, high-net-worth or specialized truck filters 20%, rush 10%, combined cap 30% |
| Territory exclusivity | $500 a month for consumer lines or $1,000 a month for IUL, annuity and commercial truck |
Cost per sale
Sales to break even each month
Cost per sale is the price divided by your close rate. Break-even is the number of sales whose commission covers a month of spend.
Filters
Targeting is by state, county, ZIP code or a tight radius, with filters for age band, income band, coverage interest and coverage amount. Each campaign also takes a daily cap, and live transfers take a limit on calls at once.
Lead quality checks
Leads come from InsureLeads' own organic search content and paid search and social campaigns, plus publishers and lead partners. Each fresh web lead carries a TrustedForm or Jornaya LeadiD certificate with the exact consent language, timestamp, source URL and IP address.
InsureLeads says it screens for Do Not Call and known litigators at capture and keeps consent records for at least five years. If you hold a lead 31 days or more, scrub it against Do Not Call again before you call.
Delivery and integrations
Fresh leads arrive within seconds by email, text, webhook or REST API, or go straight to your CRM. Live transfers ring through to your phone or a SIP endpoint, and aged leads come as a CSV file or a CRM push. Standard integrations are free, and custom CRM or API setup is priced separately.
InsureLeads integrates with 33 named systems: Salesforce, HubSpot, GoHighLevel, Zoho CRM, Radius Agency CRM, AgencyBloc, Agent CRM, NowCerts, Better Agency, Close, Pipedrive, Follow Up Boss, Velocify, Ricochet360, Convoso, Readymode, Five9, Vici, T-Max, PhoneBurner, CallTools, Kixie, Orum, JustCall, Aircall, Ringba, Zapier, Make, n8n, Pabbly, SalesRabbit, VanillaSoft and Mojo.
Lead returns
Request a return within 72 hours of delivery with the lead ID, the reason and, if asked, a dialer log, screenshot or short recording. InsureLeads replaces the lead with one of the same type or credits your wallet at the original price.
Aged leads are sold as they are, with credit only for a duplicate already sold to you or a lead outside your ordered state or line.
| Usually credited | Usually refused |
|---|---|
|
|
Contract and cancellation details
You buy leads month to month, and there's no annual contract or cancellation fee. To stop, stop ordering and email to close the account, and any unused wallet balance can be refunded. Volume commitments and done-for-you services need 30 days' notice, and setup fees aren't refunded once work starts.
Other services
InsureLeads also runs managed ad campaigns for agents, with a setup fee, a monthly fee or 20% of ad spend and a 90-day first term, and rents appointment setter seats by the month. Its own CRM has a free plan, and the Pro plan costs $29 per user a month, free while a campaign is active.
InsureLeads alternatives
These lead companies sell similar lines and lead types.
See every option in insurance lead companies.
Frequently asked questions
How much do InsureLeads leads cost?
As of October 2026, exclusive web leads cost $35 to $125 per lead, live transfers $90 to $300 per call and aged leads $0.25 to $12 per lead, depending on line and age band.
Are InsureLeads leads exclusive?
Fresh web leads, live transfers and appointments go to one buyer and aren't resold, but aged leads might already have been sold.
Is there a minimum order at InsureLeads?
Fresh lead campaigns start at $2,500, live transfers at $3,000 and appointments at the greater of five or $1,250. There is no minimum for aged leads.
Can I return bad InsureLeads leads?
Yes, within 72 hours, for reasons such as the wrong person, a disconnected number, a lead outside your ordered state or age band or a duplicate. You get a replacement or wallet credit.
How we researched this review. We based this review on the pricing, terms and product pages published by InsureLeads, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan InsureLeads quit selling or a contract term that reads different now, let us know and send the link to the page where InsureLeads has it. Somebody here pulls up that page and checks it before we change anything on ours.