Inbound Final Expense Leads, Live to Your Phone
Seniors who called in about final expense coverage, routed live to you in the states and hours you choose. You only pay when a call passes 90 seconds.
- Billed only on calls over 90 seconds
- Your states, your hours
- No contract
The Inbound advantage
Why are inbound calls the highest-intent final expense leads?
Because the senior chose to pick up the phone and ask about final expense coverage, so the conversation starts with someone who reached out on their own. Read more about inbound final expense calls.
| Question | Live inbound call | Web form lead | Aged lead |
|---|---|---|---|
| Who starts the contact | The senior calls to ask about final expense coverage | The person fills in a form; you call them | The person responded some time ago; you call them |
| How fresh the interest is | Live: they are calling right now | Recent, but you reach them after they submit | Older; interest may have faded |
| Whether you talk live | Yes, the senior is on the line when your phone rings | Only if they answer when you call | Only if they answer when you call |
| What you pay for | Calls that pass 90 seconds | Usually the contact record | Usually the contact record |
How it works
How do inbound final expense leads work?
- 1
Get your first leads
Review your order, then call (470) 597-3831 to place it.
- 2
Pick your states and call hours
We confirm your states, hours and the number your calls ring.
- 3
Calls start in 3 to 7 business days
Seniors who called about final expense coverage are routed live to your phone.
- 4
Only calls over 90 seconds are billed
Short calls and hang-ups are never billed.
You stay in control
Can I choose when and where calls come in?
Yes. You set the limits, and calls arrive only inside them.
Your states
Take calls only from the states where you are licensed.
Your hours
Calls ring only during the hours you choose to answer.
Reorder when you want
When your leads are used, order more only if you want them.
No contract
No long-term agreement, nothing to cancel.
Simple pay-per-call pricing
What do I pay for?
You only pay for calls that pass 90 seconds. Shorter calls are never billed, and there is no contract.
What comes with inbound final expense leads?
You get live inbound calls from seniors who called in about final expense coverage, sent to your phone in the states and hours you choose. Each call is billed only when it passes 90 seconds with you, there is no contract, and calls usually start within 3 to 7 business days after your order.
Nothing else is bundled in, and nothing is hidden. You do not buy names, lists or records; you buy live conversations with seniors who chose to call. If you want to see exactly how an order is counted before you buy, read what counts as a billable final expense call and see pricing.
What you get
- Live inbound calls from seniors who called in about final expense coverage
- Calls only from your states, only in your hours
- Billed only when a call passes 90 seconds
- No contract
- Calls usually start in 3 to 7 business days
- Questions answered at (470) 597-3831
How is this different from buying a lead list?
A lead list gives you names and numbers to dial; an inbound call puts a senior who is already asking about final expense coverage on your line. With a list, the work starts after you buy: you dial, leave voicemails, call back and hope someone picks up. With an inbound call, the senior made the first move and is waiting to talk when your phone rings.
That changes how you spend your day. Instead of blocking time to dial, you block time to answer. You still need good phone skills, a quoting tool and a license in each state you pick, but you are not chasing people who never asked to hear from you. For a fuller side-by-side view, read final expense leads: live calls vs lead lists and the guide on how to choose final expense leads.
Which states can I get calls from?
You choose the states, and calls come only from the states you pick. Pick only states where you hold a life insurance license, and think about time zones when you set your hours, because a caller's local time can differ from yours. The final expense leads by state guide covers licensing, time zones and how to plan your call hours across several states.
How do I judge whether the calls are working for me?
Track every call and compare what you spent with what you earned. Write down the date, time, length and outcome of each call, then look at the totals once your order is used. Your phone's call history already shows call length, which is what billing is based on, so you can check every billed call yourself.
To turn your own numbers into a cost per sale and a return, enter your close rate and commission in the final expense lead cost calculator. The step-by-step method is in how to track final expense lead results. We do not promise sales or results; your numbers are the honest answer.
Can agencies buy, or only solo agents?
Both are welcome, and both buy the same way. A solo agent usually sends calls to a cell phone; an agency usually sends them to a team line where the agent on shift answers. Either way, every agent who answers should be licensed in the states you choose, and billing follows the same 90 second rule.
Agency setup is explained on final expense leads for agencies, and the full process is on how it works.
Who is this for, and who is it not for?
Who it's for
Licensed final expense agents and agencies who can answer calls live in their chosen hours.
Who it's not for
Agents who cannot pick up live calls during those hours, or anyone not licensed in the states they choose.
Frequently asked questions
Where do the calls come from?
Seniors respond to our advertising and call in about final expense coverage.
When is a call billed?
Only when it lasts 90 seconds or longer with you. Shorter calls are never billed.
Do I choose where and when calls come in?
Yes. You choose the states you want calls from and the hours you take calls.
How soon do calls start?
Calls usually start within 3 to 7 business days after your order.
Is there a contract?
No. There is no long-term contract. You reorder when you want more calls.
Can an agency buy, or only solo agents?
Both. Solo agents and agencies are welcome.
Where can I see pricing?
On the pricing page. You only pay for calls that pass 90 seconds.
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