Types of final expense leads, compared on price, exclusivity and fit

A lead type, here, is anything you can buy to start a final expense sale: a consumer record, a live transfer or a booked appointment. The table sets every type we sell against six questions, then adds the two services that build or work your own pipeline. Prices are our published rates; "Get a quote" marks a type without one. The best-fit column is our judgment, not a measured result.

Not offered here: inbound pay-per-call and direct mail, two final expense lead sources you will see elsewhere.

Each lead type bills for a different event, so price per unit compares like with like only:

• Records. Exclusive and contact-verified leads bill per lead delivered, inside a prepaid campaign. Aged leads bill per record, sold as a segment. Facebook-sourced, telemarketing and shared leads are priced by quote.
• Live transfers. A transfer bills once the prospect stays connected for at least 90 seconds, confirms interest and meets your state, age and eligibility filters, while you are available to take it. It stays billable if you do not close, and a transfer you miss after confirming availability is not refundable; see how interest-verified live transfers are billed for the full rule set.
• Preset appointments. You pick the basis: confirmed ("Booked and confirmed with the prospect.") or kept ("The prospect attended, or completed a substantive telephone consultation."). Against an interest-verified transfer, missed transfers decide which unit is cheaper per kept conversation, and on confirmed billing so does your sit rate.
• Services. Managed advertising bills a monthly fee, plus ad spend you pay the platform directly. Setter seats bill monthly, excluding lead costs.

Exclusive leads and live transfers are generated on demand for your states; nothing comes from stock. An exclusive campaign runs on two clocks: the ramp (first leads within days, full volume in 2–4 weeks) and delivery, each lead reaching you seconds after the consumer submits the form. Aged segments are cut from records that already exist and arrive immediately on purchase.

No lead product carries a contract; the only initial term in the catalog is managed advertising's 90 days.

Exclusive and shared describe one attribute: how many buyers receive the same consumer. Here, exclusive means one buyer per record: exclusive web and contact-verified leads are delivered to one buyer, each live transfer is connected live to a single agent, and each preset appointment is booked for one agent. Shared and co-registration leads are sold to more than one buyer. Aged leads are not exclusive either, since an aged record may already have been sold to other buyers.

Exclusive is not territory. One buyer per record does not stop us selling to another agent in your state; a territory reservation costs $500 a month on top of your lead purchases.

Vendors use the word differently. Describing exclusive real-time leads across the market, FexAds writes that "the lead is exclusively yours for at least 24 to 72 hours depending on the vendor". A time window and one buyer per record are different products, so ask which a vendor means before comparing prices.

A shared record rewards the buyer who dials first, because every other buyer received the same consumer. An exclusive record goes to no other buyer of ours, which matters most when you cannot call every lead within minutes. Our exclusive leads built to order for one buyer start at $50 per lead.

The best final expense leads for you are the types your sales model can work at the pace each demands. What follows is our judgment from how each type is delivered, not a measured close rate; we publish none. Whatever you buy, order only states where you hold a license.

Telesales agents who sell by phone

Phone agents can use nearly every type; the choice is how you spend your hours:

• Answering live. Interest-verified transfers, at $110, put a screened prospect on your line. Pre-vetted transfers with a health and medication screen cost more and arrive with an estimated Guaranteed Issue or Level/Graded tier.
• Dialing. Exclusive web leads at $50 suit agents who place the first call within minutes of delivery. Contact-verified leads, at $70, arrive with the right person already reached and interest confirmed.
• Filling gaps. Aged segments at $0.50–$3.00 per lead cover dialing hours between fresh leads.

Field agents who sell at the kitchen table

A field agent needs a confirmed time and place more than a live call. Preset appointments billed as confirmed or kept sell exactly that: $175 once the appointment is booked and confirmed, or $225 on the kept basis, which bills only appointments the prospect attends or completes as a substantive phone consultation. Ask which formats, phone or in-home, are available in your licensed states before you order.

Exclusive web leads also fit field agents who book their own visits by phone, and a setter desk can make those calls for you.

Call centers and agencies with seats to fill

A floor buys capacity: enough billable conversations or dialable records to keep licensed seats working. Transfers suit seats that can answer live, and because the billing rule accepts an authorized representative, the call can go to whichever licensed agent is free. Aged segments keep agents dialing by hand between transfers. Shared, co-registration and telemarketing leads, priced by quote, fit floors that check sourcing and consent before the first dial.

Agencies that would rather own the source than rent it can add managed advertising and a setter desk: we run ads in accounts you own, and setters follow up the leads you already have. Prepaid volume of $5,000–$9,999 a month earns 5% off, and $10,000–$24,999 earns 8%.

Ranked by what a first order takes:

1. Aged leads: no minimum spend. Records are sold as aged segments by state and age band, at $0.50–$3.00 per lead, and arrive immediately on purchase. To choose a band, work small segments from a younger and an older band on one written cadence for dialing aged records and compare cost per sale.
2. Setter desk and nurture: CRM and automated nurture costs $500 to set up, then $350 a month; setter seats run $1,500–$4,000 a month. Both work leads you already have, so lead costs come on top.
3. Preset appointments: 5 appointments or $1,250, whichever is higher.
4. Exclusive and contact-verified leads: $2,500 to launch ($500 build, $2,000 in leads), because each campaign is built for your states before the first lead exists.
5. Interest-verified live transfers: $3,000 to launch. It is a minimum, not a contract.
6. Managed advertising: $4,250 in the first month at the minimums ($1,000 setup, $1,250 management, $2,000 in ad spend paid to the platform), then $3,250 a month.

Facebook-sourced, telemarketing and shared leads are priced by quote. Price per unit says nothing about cost per sale, so before choosing, work out cost per sale from your own rates.

Buying a transfer, an appointment or a telemarketed lead does not move the calling rules off your desk. The FCC's 2013 DISH ruling says "a seller is not directly liable for a violation of the TCPA unless it initiates a call, but may be held vicariously liable under federal common law agency principles for a TCPA violation by a third-party telemarketer." Under 47 CFR 64.1200(f)(10), the seller is "the person or entity on whose behalf a telephone call or message is initiated", which on your calls means your agency. Settle one question per type in writing:

1. Interest-verified transfer: what makes a call billable? Ours: 90 connected seconds, confirmed interest, your filters and your availability.
2. Pre-vetted transfer: which health and medication questions does the screener ask? The answers support an estimated tier; the carrier makes every underwriting decision.
3. Exclusive web lead: one buyer per record, or a time window?
4. Contact-verified lead: which checks has each lead passed? Ours pass all five in the table.
5. Aged lead: whose name is on the original consent? Telemarketing calls to a cell phone made with an autodialer or an artificial or prerecorded voice need prior express written consent that "clearly authorizes the seller". If it does not authorize your agency, keep autodialers and artificial or prerecorded voices off the record.
6. Preset appointment: billed when confirmed, or when kept?
7. Facebook-sourced lead: where was the form? Meta's Lead Ad Terms say "You may not sell Lead Generation Data under any circumstances", so ask whether it was a Meta Instant Form or the vendor's landing page.
8. Telemarketing lead: how was the first call dialed, who or what spoke on it, and on what consent? On some calls a person plays recorded clips from a soundboard, or software generates the voice, which is how avatar and AI-voice leads are made.
9. Shared or co-registration lead: how many buyers receive each record, and does the consent clearly authorize you?
10. Managed advertising or the setter desk: who owns the ad account and data? With ours, you do, and setter seats exclude lead costs.

We keep source, timestamp, landing-page and consent records; your calling hours, do-not-call list and scripts remain your responsibility. For numbers on the National Do Not Call Registry, check which leads carry signed written permission naming you or a business relationship of your own. Read how we handle consent records before you order.

The quote form takes more than one product, so you can price a mix in one request, such as transfers for your phone agents and preset appointments for your field team. Tell us your licensed states, how many leads your team can work in a week and your monthly budget.