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Dial Haul / Answers
Answers for agents.
Straight answers about buying and working life insurance leads. Prices, close rates, scripts, and how to make the math work.
Dial Haul / Answers
Straight answers about buying and working life insurance leads. Prices, close rates, scripts, and how to make the math work.
Aged life insurance leads usually cost $0.50 to $15 each.
Read the answerExclusive fresh life insurance leads usually cost $30 to $100 each.
Read the answerFresh mortgage protection leads usually cost $20 to $45.
Read the answerStreet level final expense contracts usually pay about 80% to 130% of first year premium, depending on the carrier and your level.
Read the answerMost carriers pay you up to 9 months of commission up front as an advance.
Read the answerRough industry numbers: aged leads at $1 to $5 each work out to about $100 to $280 per sale, fresh direct mail about $200 to $450, live transfers about $100 to $300, and Facebook leads $300 to $700 or more.
Read the answerIUL commissions are paid on the target premium, not on everything the client puts in.
Read the answerYes, for agents who dial a lot.
Read the answerA good close rate on aged life insurance leads is 2% to 5% of leads bought.
Read the answerAt a 3% close rate and about $700 commission per sale, you need about 143 sales a year, or about 4,800 aged leads.
Read the answerWith aged leads, plan on about 150 to 300 dials per sale.
Read the answerThe most common reasons are a draft date that misses the client’s Social Security deposit, a premium that is too high for their budget, and leads from sources that buy on impulse.
Read the answerAn exclusive lead is sold to one agent.
Read the answerIt depends on the vendor.
Read the answerCall fast, keep it short, and follow up.
Read the answerLate morning and early evening work best for most leads.
Read the answerAs fast as you can.
Read the answerPlan on 6 to 10 tries over the first 2 to 3 weeks, mixing calls, voicemails and texts at different times of day.
Read the answerStay calm and be specific: tell them the site, the date and what they asked about, from the consent record.
Read the answerYou can buy final expense leads from lead vendors, call centers, or marketplaces like Dial Haul.
Read the answerDial Haul sells trucker leads from CDL drivers and owner operators who asked for a life quote.
Read the answerDial Haul sells IUL leads from people ages 25 to 55 who asked about saving for retirement with life insurance.
Read the answerDial Haul sells veteran leads from vets and people leaving the service who want coverage beyond what the VA gives.
Read the answerDial Haul sells Spanish language leads for any product: final expense, term, IUL, and mortgage.
Read the answerDirect mail leads cost more but contact and close better.
Read the answerThe top places agents buy life insurance leads in 2026 are Dial Haul for aged and fresh leads with a built in dialer, NextGen Leads for real time and aged leads, SmartFinancial for real time web leads, QuoteWizard for multi line leads and live transfers, and EverQuote for shared and exclusive web leads..
Read the answerBuy real time leads if you have few hours and need high pick up rates.
Read the answerThe cheapest real leads are aged leads, 91 days and older.
Read the answerSome do and some do not.
Read the answerIt is a record that proves a person filled out a form.
Read the answerAsk for proof of consent on every lead, start with a small order, and read the return policy before you pay.
Read the answerLive transfers put a ready person on the phone, so they close better, about 25% to 45%, but cost about $28 to $80 each.
Read the answerIt can be, if the lead gave consent to be called and you follow the rules.
Read the answerNo.
Read the answerWithin 10 business days.
Read the answerYes, in two cases.
Read the answerFederal rules do not put an expiration date on written consent.
Read the answerFederal law allows 8 AM to 9 PM in the lead’s local time.
Read the answerFederal law has no daily cap, but Florida, Maryland and Oklahoma limit you to 3 sales calls in 24 hours to the same person about the same thing.
Read the answerUsually not for registration.
Read the answerIt depends on the rule and the court.
Read the answerOnly with the right consent.
Read the answerIn many states, yes.
Read the answerYes.
Read the answerYes.
Read the answerThe best CRM for a phone sales agent puts leads, the dialer, scripts, and follow ups in one place.
Read the answerYes, if you text from a local 10 digit number for business.
Read the answerUsually because of high call volume with few answers, people reporting your number, no A level STIR/SHAKEN rating, or brand new numbers.
Read the answer