The eight ways a life insurance lead gets sold to you

Sold to one agent, delivered within seconds of the form submit.

Sold to three to five agents at once. Cheaper per lead, faster dialing required.

Resold after 30–180 days. Pennies per lead, low contact rate, volume game.

Screened prospect transferred to your phone already on the line.

Physical reply cards. Priced per thousand mailed or per returned card.

The prospect dials you from an ad. Highest intent, highest price.

Meta instant-form submissions. Cheapest digital lead, lowest contact rate.

Broadcast response leads and calls, usually senior-market.