SmartFinancial vs InsuranceLeads.com
Most lead vendors will not tell you what happens when a lead is a wrong number until after you have funded an account. These two both publish enumerated credit policies, which makes them the fairest head-to-head in this directory.
Both sell shared and exclusive real-time leads across life, final expense and Medicare, and neither publishes per-lead pricing. So the comparison comes down to the return mechanics and how you get started.
Not published
Per-lead pricing not published; quoted by rep. The company's own resource article cites a general $25-$50 industry range for call leads, which is market context rather than its rate card.
Insurance comparison marketplace selling web leads, live transfers and inbound calls to agents across auto, home, life, health, Medicare and commercial lines. Runs a self-service agent portal.
- Lead types
- Term life, Final expense, Medicare
- Formats
- Shared, Exclusive real-time, Live transfer, Inbound call
Not published
Rates are not published; the pricing page describes the approach but requires an account. Third-party discussion places shared life leads in the low-to-mid teens and exclusive real-time life leads considerably higher — third-party, not vendor-published.
Long-running internet lead vendor selling auto, home, health and life leads with real-time delivery, no minimums or contracts, and a publicly itemized credit policy. Also sells annuity, disability and long-term-care leads.
- Lead types
- Term life, Final expense, Annuity, Medicare
- Formats
- Shared, Exclusive real-time, Live transfer
Where they actually differ
| Comparison axis | SmartFinancial | InsuranceLeads.com |
|---|---|---|
| Return window | Published: requests accepted after 7 days and within 10 days of delivery. The 7-day floor means you cannot return a bad lead the day you work it. | Published: 10 days to return, with no waiting floor. |
| What qualifies for credit | Disconnected or wrong numbers, 30-day duplicates, fictitious or materially inaccurate contact info, out-of-area leads and filter errors. | Disconnected, fax or incorrect numbers, 30-day duplicates, agent test submissions, obviously fake contact info, language barrier, and contacts who did not request a quote. |
| What is denied | No-answer, prospect bought elsewhere, or policy not written. Leads bought with promotional credits are ineligible. | Denial reasons are not enumerated the same way; credits are processed in up to 10 business days. |
| Refund form | Account credit only, no cash refunds, so unspent balance stays in the platform. | Account credit only, so leaving forfeits unused value. |
| Getting started | Deposit and minimum terms not published. | No minimums and no contracts advertised. Third-party reporting of the signup terms describes a $50 starting credit limit with cards charged on the 1st and 16th or when the limit is reached. |
| Delivery and integration | Self-service portal with geographic and demographic filters, plus delivery hours and hourly caps. | Direct post to an HTTP post URL, email, or live transfer — workable with any CRM that accepts a post. |
| Line breadth | Multi-line: term life, final expense and Medicare supplement, on an account that can also carry P&C. | Term life, final expense, annuity and Medicare supplement, plus disability and long-term-care leads. |
Choose SmartFinancial if
You want the denial criteria spelled out as clearly as the approval criteria, and you value hourly delivery caps so leads land while you are actually at the desk. The 7-day floor is the cost of that clarity — plan to batch your return requests weekly rather than daily.
Choose InsuranceLeads.com if
You want to start small and return fast. The $50 starting credit limit lets a new agent test without a large deposit, and the 10-day window has no waiting period, so a disconnected number can go back the same afternoon. Watch the twice-monthly automatic card charges against your budget.
Everything here comes from each vendor’s public record, last checked 2026-08-28 and 2026-08-28. Neither company paid to appear and neither had any say in what this page says. Pricing and terms change without notice — confirm directly before you buy.