Exclusive final expense leads, built to order for one buyer

Exclusive means one buyer per record. When a consumer submits the form on your campaign, that record is delivered to you and to no other buyer. The definition is deliberately narrow, and vendors use the same word for other things, so the table separates it from three meanings it does not carry.

A price per lead only compares across vendors once you know which of these four meanings you are paying for.

Exclusive final expense leads come in two grades, and both are delivered to one buyer. An exclusive web lead, which some agents call an internet or online lead, is a consumer who submitted the form on your campaign, delivered in real time. A contact-verified lead is the same kind of record after it passes five checks, all of which must be true:

A working phone number on its own proves only that the number connects. It does not make a lead contact-verified, and we do not call such a lead qualified.

Monthly prepaid volume earns a discount: 5% at $5,000–$9,999 a month, and 8% at $10,000–$24,999. To turn either price into a cost per policy with your own contact and close rates, estimate your cost per sale. Every other product sits on the complete rate card.

Fresh exclusive leads are not held in inventory. Every exclusive order starts a campaign build for your states and volume, and a lead exists only after a consumer in those states submits the form. Building to order is what makes one buyer per record work: the campaign is built for one buyer, so every record it produces has one place to go.

The build is also why the launch has a floor. Before your first lead exists, a funnel, consent capture, targeting and routing are configured and tested for your states. The $2,500 launch pays for that build plus enough leads to judge the channel on real results, which three or five leads cannot do. It is one invoice with a breakdown, not a fee stacked on top of a minimum:

The $500 build (the campaign launch fee on the rate card) is waived when you prepay $5,000 or more, or commit to 3 monthly lead orders of at least $2,000 each. The standard build uses a final expense funnel configured to your states and routing. A fully custom funnel, with brand design, custom copy, several landing pages or advanced integration, is $1,500.

Exclusive leads run on two clocks that measure different things, so ask any vendor which clock a delivery promise refers to.

Ramp is the time from your paid order to live volume: first leads within days, full volume in 2–4 weeks. The campaign has to be built, tested and live in your states before any consumer can submit its form, so no fresh exclusive lead exists at the moment you pay.

Latency is the time from form to CRM: each lead reaches your CRM seconds after the consumer submits the form. It describes each exclusive web lead once the campaign is live, never the time from your order. A contact-verified lead is delivered once its five checks are complete.

Latency matters because a web lead cools quickly. Research reported in Harvard Business Review in 2011, covering 1.25 million sales leads received by 29 B2C and 13 B2B companies in the U.S., found that firms that tried to contact a lead within an hour were "nearly seven times as likely to qualify the lead" as firms that tried even an hour later. The authors defined qualifying as "having a meaningful conversation with a key decision maker." Seconds of latency pay off only when your dialer or your agents act on them. A first-contact plan for real-time web leads sets when to dial, when to try again and when to hand follow-up to a setter desk. How ordering, billing and both clocks work covers the rest of the flow.

Every exclusive campaign build includes consent capture on the landing page, using TrustedForm or Jornaya. For each lead we keep the source, timestamp, landing page and consent record, and a lead whose consent record cannot be produced where one is required is replaced or credited.

A consent certificate is evidence of a web session, not a legal verdict. ActiveProspect, which makes TrustedForm, says its certificates "provide the landing page URL, timestamp, and a replay of the consent event" and can be stored "for up to 5 years." Its own guidance also concedes that "it is still possible that someone else might have input their information into the form."

The wording of the consent clause on a built-to-order form matters as much as the certificate. Under 47 CFR § 64.1200(f)(9), prior express written consent is a written agreement, signed by the person called, that "clearly authorizes the seller" to send advertisements or telemarketing messages by autodialer or by an artificial or prerecorded voice. Paragraph (f)(10) defines the seller as "the person or entity on whose behalf a telephone call or message is initiated" to encourage a purchase. A text to a cell phone counts as a call under the TCPA, and the FCC's rule at 47 CFR § 64.1200(a)(2) requires that written consent for an autodialed marketing text to a lead. We document consent and source; how and when you call, your do-not-call list and your scripts still determine your exposure. Read how consent and calling records are handled for the full policy.

State-level targeting is included in both prices. Narrower targeting carries a published surcharge, and combined surcharges are capped at 30%; past the cap, the order becomes a custom quote.

Territory is a separate decision from exclusivity. One buyer per record does not stop another agent from buying their own exclusive campaign in your state. If you want us to work with no other agent in your territory, that is a territory reservation at $500 a month, on top of your normal lead purchases.

Exclusive web leads reward speed and steady follow-up. They tend to suit four kinds of buyer, each ordering only states where they hold a license:

• Telesales agents with a dialer and the discipline to call the moment a lead lands.
• Agencies that split leads across several agents, since routing setup is part of every build.
• Call centers that need a flow they can staff, with a CRM or webhook to receive it.
• Field agents who call each lead to set their own kitchen-table appointment.

Another product fits better in two cases. If $2,500 is more than you want to commit, aged final expense leads carry no minimum and deliver immediately on purchase, but they are not exclusive. If you would rather pay for a live conversation than a form, interest-verified live transfers are $110 per transfer, with $3,000 to launch. To weigh every option at once, compare every final expense lead type side by side.

Replacement covers objective defects, not outcomes. A lead is replaced or credited for the defects below when you claim within 72 hours, unless your order confirmation states a different window. It is never replaced because the prospect did not answer or did not buy.

Prepaid funds become non-refundable once your campaign launches, with one exception stated up front: if we cannot fulfil your order, the unused lead credit is refundable. Every other remedy is a replacement or an account credit, not cash. The full replacement and credit policy has the exact terms.

1. Use the quote form below to send your licensed states, the number of leads you can work each week and your monthly budget.
2. Agree your filters and CRM, then get one launch number with its breakdown, including any targeting surcharge.
3. Prepay the launch invoice. ACH payments receive a 2% discount, and new buyers are not offered net-30 terms.
4. We build the campaign: funnel, consent capture, state targeting, lead routing and a test of your CRM or webhook.
5. The campaign goes live. Ramp: first leads within days, full volume in 2–4 weeks. Latency: each web lead reaches your CRM seconds after the consumer submits the form.
6. Call each lead quickly, and report any objective defect within 72 hours.

No contract is required for exclusive leads: the launch amount is an order size, not a term commitment.