The Truth About Life Insurance Leads: What Every Agent Should Know.

If you're a life insurance agent, you already know how important leads are.

No leads = No sales.

But what most agents don’t know is that many lead vendors are quietly overcharging — and most agents are just accepting it.

In this post, I want to break down the basics of life insurance leads, the difference between types of leads, and how to stop overpaying for the exact same prospects.

🧠 What Are Life Insurance Leads?

Life insurance leads are potential clients who’ve expressed interest in getting coverage. These aren’t cold contacts — they’re people who either filled out a form online, clicked on an ad, or asked for more information. Your job as the agent is to follow up, qualify them, and close the deal.

🆚 Shared Leads vs Exclusive Leads vs Aged Leads

Not all leads are created equal. Here’s a quick breakdown:

• Exclusive Leads: These are sold to one agent only. You’re the only person contacting that lead. They’re higher quality and have a much better conversion rate.

• Shared Leads: These go out to multiple agents at once. You’ll need to be fast and sharp to win the business.

• Aged Leads: These are leads who filled out a form weeks or months ago. They’re cheaper, and while the intent may have cooled down, they can still convert with the right approach.

The key is knowing what kind of lead fits your budget, sales skills, and follow-up system.

💸 Why Agents Are Overpaying

Some lead companies are charging $40–$100 per lead — and agents are still expected to compete with 5–10 others calling the same person. That’s a race to the bottom.

At USA Life Leads, we cut the nonsense. You get access to:

✅ Exclusive leads at a fraction of the price

✅ Most orders filled within 24hrs.

✅ Straight talk and full transparency — no BS

🎯 Final Thoughts

If you're serious about growing your book of business and tired of burning money on overpriced leads, it's time to change how you're buying. Leads are the lifeblood of this industry — just make sure you’re not bleeding yourself dry trying to get them.

Ready to stop overpaying? Check out our current lead options at www.usalifeleads.com and see how much more you can get for less.