For licensed final expense agents, agencies and call centers
Pick up, and a transfer bills only after 90 seconds. Leads, transfers and appointments for the states you’re licensed in, with every published price and minimum on this page before you pay.
A quote request takes no payment and places no order.
Any one missing: not billed. Not refundable: you didn’t close; you disliked the prospect’s answers; the prospect changed their mind after a valid conversation; you were unavailable after confirming availability.
In writing
Prices
From an aged record to a pre-vetted transfer, each dot is a published price. Volume discounts and surcharges on the full rate card
Price per unit, every product
Published rate card, October 15, 2026. Log scale: each dot is one published price.
Final expense leads for telesales are a choice about agent hours: a phone floor can buy live transfers from $110, exclusive web leads at $50 or contact-verified leads at $70 (both start with a $500 campaign build), and aged records from $0.50. To match units to hours, compare lead types for telesales agents who sell by phone; to size seats for transfers, use the call center staffing calculator.
Live transfers
Both are billed under the same five conditions. The pre-vetted transfer adds health and medication questions and an estimated tier before the call reaches you.
$110
per billable transfer
$250 Guaranteed Issue$300 Level/Graded
per billable transfer
Leads and appointments
Every order is prepaid. ACH payments take 2% off, and card processing is built into the prices, with no surcharge on top.
A consumer submits a form on a campaign built for your states, and the record goes to you alone. Contact-verified adds five checks: valid number, correct person, correct state, the basic age criterion and confirmed interest.
The minimum buys 40 web leads, or 28 contact-verified + $40 credit.
$50 web$70 contact-verified
per lead
$2,500 to launch: $500 build + $2,000 in leads
Confirmed means booked and confirmed with the prospect. Kept means the prospect attended, or completed a substantive telephone consultation. You buy the meeting; to hire callers for your own leads, see the setter desk.
The minimum buys 7 confirmed + $25 credit, or 5 kept + $125 credit.
$175 confirmed$225 kept
per appointment
5 appointments or $1,250, whichever is higher
Records past their real-time window, sold as a segment by state and age band, never as loose records, and delivered on purchase.
per record · no minimum spend
Final expense Facebook leads
Leads from Meta (Facebook and Instagram) ad traffic, captured on a landing page with its consent text.
Get a quote: Final expense Facebook leadsFinal expense telemarketing leads
A call center dials consumers, gauges interest and passes the contact on as a lead, not as a live call.
Get a quote: Final expense telemarketing leadsShared and co-registration leadsNot exclusive
Shared leads are sold to more than one buyer. Co-registration leads are captured as a secondary opt-in on a site with another main purpose.
Get a quote: Shared and co-registration leadsHow an order runs
Your licensed states, the ages you want and the products to price, on the quote form.
We reply with a quote built on the published prices. A product without a published price is priced in it.
Every order is prepaid. ACH takes 2% off, and new buyers aren’t offered net-30.
Fresh leads and transfers are generated on demand for your states and volume; nothing comes from stock. Aged segments deliver immediately on purchase.
First leads within days, full volume in 2–4 weeks. Each exclusive web lead reaches your CRM within seconds of the consumer’s form submit.
Before you pay
Consent capture with TrustedForm or Jornaya on the landing page is part of every campaign build. For each lead we keep the source, the submit timestamp, the landing page and the consent record.
A consent certificate records the web session. It doesn’t make your calls compliant: your calling hours, DNC checks and scripts stay yours.
Exclusive web lead
Sample layoutWritten terms
Exclusive final expense leads · Aged final expense leads
Replaced or credited per record, not refunded in cash: a disconnected or wrong-person number, a lead outside your state, age or basic eligibility filters, a duplicate in your order, materially false or missing required fields, or no consent record where one is required. Claim within 72 hours of delivery, unless your order confirmation states another window. Not covered: no answer, a later “not interested”, slow calling, no close, the prospect’s own contact with another company, or dislike without an objective defect.
Preset appointments
On a confirmed appointment (booked and confirmed): one rebooking attempt at no charge if the prospect doesn’t show, and a replacement if the prospect denies ever agreeing to it. No-shows are not automatically refunded.
Exclusive final expense leads
Prepaid funds are non-refundable after campaign launch. If we cannot fulfil the order, unused lead credit is refundable.
Not included
Final expense marketing services
Ads you pay the platform for directly, and callers who work the leads you already have. Lead costs are separate.
We build and run your funnel and ads. You pay the ad platform directly and own the funnel, pixels and data, with no per-lead price on top.
Callers who work the leads you already have, on a defined attempt schedule. You hire callers here; to buy a booked meeting instead, see preset appointments.
Cost calculator
Cost per sale decides whether a source works. Enter your own contact and close rates; every rate field starts blank, and the result is a cost, not a forecast of sales.
Cost per sale
price÷(contact rate × close rate)
Questions agents ask
A final expense lead is a consumer’s inquiry about final expense coverage, sold to a licensed agent as a record to dial, a live transfer or a booked appointment. An aged or shared record may already have gone to other buyers, and its consent may not name you: check it before you dial. Our lead-types page compares every type.
It isn’t billed. A transfer becomes billable only when all five conditions hold, and one of them is a connection of at least 90 seconds.
The unit is still billed: we price per lead, transfer or appointment as each is defined above, and closing is yours. No price on the card depends on a sale.
Each exclusive lead goes to one buyer, and each transfer is connected live to one agent. That isn’t territory: reserving a territory is a separate $500 a month, plus your normal lead purchases. Aged and shared leads are not exclusive.
No contract on leads, transfers or appointments: minimums are order sizes, not terms. After launch, prepaid credit isn’t refunded for a change of mind. Managed advertising alone carries a 90-day initial term.
No. Prices are per lead, transfer or appointment, and none depends on a sale; the setter desk never promises an appointment count. To pay for a meeting that happened, buy preset appointments at the kept price, $225: the prospect attended, or completed a substantive telephone consultation.
Fresh exclusive leads and transfers are built to order for your states. Nothing is pulled from stock, so the minimum funds the build and enough volume to judge the source. Aged leads already exist, so they carry no minimum.
Guides
Lead types, pricing models, minimums, exclusivity, consent and replacement terms for licensed final expense agents, with 12 vendors’ published terms set beside our own rate card, checked October 22, 2026.
Which health answers end a final expense application, which send it to a graded or modified plan, and how far back each question looks, quoted from three carriers’ public application forms, with seven carriers’ early-benefit rules side by side.
Preset appointments and live transfers bill for different events. What each one charges for, what a first order buys, and how to price a kept conversation with your own rates.
Get a quote
Your licensed states, what you want priced, your weekly capacity and your budget.