First order: 10 free leads Next drop 14h 23m 06s
Live transfers put a ready person on the phone, so they close better, about 25% to 45%, but cost about $28 to $80 each. Leads cost far less and take more dialing. Agents who dial a lot usually do better per dollar with leads.
One benchmark puts live transfer cost per sale at about $100 to $300.
Agents on Insurance Forums report paying around $55 per transfer and seeing the same person resold the next week, and some say transfers lose money once lapses are counted.
If you try transfers, track lapses by source, not just sales.
Updated October 2026. Industry ranges from public lead and commission guides. Your results depend on your carrier, contract, and dialing.
