How much do life insurance leads cost in 2026?
What vendors publish
| Vendor | Published price per lead | Aged | Read on |
|---|---|---|---|
| InsureLeads | Final expense $50 · Life $65 · Mortgage protection $55 · IUL $125 · $2,500 minimum order for fresh exclusive leads | From $0.50 (final expense) to $12 (IUL), by record age | Oct 8, 2026, pricing page |
| GOAT Leads | Final expense $19–31 · Veteran $20–40 · IUL $19–48 · Mortgage protection $27–50 · Trucker $49–72 | $1–9 by age | Post marked “Updated 9/15/2026” |
| Speakeasy Leads | Life and final expense leads in packs; price on the product page | None listed | Oct 8, 2026, site |
| Pinnacle Lead Partners | None listed | IUL leads “30-60 days old”, price on the product page | Oct 8, 2026, product page |
| ClosrLeads | Fresh $30–32 by type · “Leads Start At” $1 | From $2 | Oct 8, 2026, homepage |
| NextGen Leads | Life insurance call leads “Starting at $35 per lead” · data leads “Starting at $4 per lead” | None listed | Oct 8, 2026, life leads page |
| EverQuote, QuoteWizard, SmartFinancial, Agent Advantage, Stallion Leads | No published price. Third-party ranges: shared web $12–25, exclusive $25–45, calls $25–50 and up | $3–8 (third party) | InsureLeads comparison, Mar 4, 2026 |
Every figure above is quoted from the vendor's own public page, or from the named third party, on the date shown. Prices change. Tell us if one is wrong and we will correct it.
What our own campaigns have produced
One subscription. No per-lead price. The cost per lead is what the ads cost for your lead type, and across all of them it has ranged from about $5 to $70.
Why the spread: a funnel that asks more, and confirms the phone, produces fewer leads per dollar and more conversations per lead. Your number depends on lead type, ad spend and creative, and the dashboard shows it every day with the subscription folded in.
What moves the price
Cost per lead is the wrong number
A $20 lead that answers one time in ten costs $200 per conversation. A $50 lead that answers one time in three costs $150. Divide the price by the contact rate the vendor can show you, with the number of leads behind that rate. If a vendor cannot name the denominator, the rate is a guess.
The $499 math
$499 a month flat. It never scales with spend.
Ad spend bills your own card at cost, and we take 0% of it. No setup fee, no minimum term. Run one lead type, or two. If a campaign is not producing, pause it with one tap. If you cancel, the subscription runs through the period you already paid for.
What agents ask us first
How much should I pay for exclusive final expense leads?
The published final expense prices we found sit between about $19 and $50 for fresh leads. Judge the price against the contact rate and the vendor's definition of exclusive, not on its own. On our campaigns final expense sits in the middle of the $5 to $70 range.
How much do IUL leads cost?
Published fresh prices: $125 at InsureLeads, $19 to $48 at GOAT. Pinnacle sells IUL leads that are 30 to 60 days old, which is an aged price. On our campaigns IUL sits toward the top of the range, because the funnel qualifies income and intent before the lead reaches you.
Are aged life insurance leads worth buying?
For agents who dial in volume and work a script, sometimes. They cost from about $1 and need many more dials. They fail anyone who needs a person who asked five minutes ago.
What does a Vital Edge Ads lead cost?
Whatever the ads cost. About $5 to $70 so far, by lead type and intent. No markup, no margin, no per-lead price. The dashboard shows your number daily.