Final expense leads.
People asking about cover.
Sent to one agent.
Most final expense leads are a name and number sold to several agents at once, and the fastest dialler wins. Ours are one person who asked about cover, answered the qualifying questions in their own words, and gave consent on the record. Delivered to one agent, never resold. Fail a check, not sent, not billed.
What lands in
your pipeline?
A consumer who asked about final expense cover and answered the qualifying questions before your agency ever called them.
That rules most of the market out. A shared lead is one person sold to several agents at once. Fresh final expense leads are widely reported to be called by 5 to 20 agents within the first hour, so the sale goes to whoever dials first, not whoever advises best. Agents who buy exclusive final expense leads are paying for the conversation instead of the race.
Every lead passes five published checks before it reaches you. What the consumer told us travels with the lead, in their own answers, so your first call starts at the conversation rather than the fact-find.
Final expense is one of our insurance leads for agents programs. If you would rather take the call than work the lead, see final expense live transfers.
What every lead arrives with
- Name, direct number and state
- The age band they chose
- The coverage amount they asked about
- Tobacco use and general health, in their own answers
- Who the cover is for
- Consent on record, one agent for that lead, never resold
How does a question
become your lead?
Four steps, and your agency only appears at the last one.
People start sorting out cover
We run consumer brands backed by Google and Meta advertising, reaching people looking into final expense cover for themselves or a parent.
They answer the questions themselves
Age band, state, coverage amount, tobacco use, general health and who the cover is for. Their answers, word for word.
We check it before you see it
Every lead is checked against the five published checks and your agreed criteria, with consent recorded at the point of inquiry.
It reaches one agent
In real time, to your agency and nobody else. Never resold.
When do you pay,
and when don’t you?
You pay per lead, and only for a lead that holds up: a real, reachable person who fits the criteria agreed for your agency.
A lead that fails a check never reaches you, so it is never billed. If a failed lead slips through, flag it and it is credited. Your rate is agreed in writing before the pilot starts, as a flat fee per qualified lead, with no retainer and no lock-in.
The five checks below are published on every page, for every vertical we serve. Pass all five and the lead is yours. Fail one and it never reaches you.
Exclusive lead or
shared lead?
The shared model is a race, and the consumer is the one being chased.
| What matters | Shared final expense leads | OptiMAX exclusive leads |
|---|---|---|
| Who gets the lead | The same person is sold to several agents at once. | One agent. The lead is yours and nobody else’s. |
| What arrives | A name and number, and a race to dial it. | Their own answers on age band, coverage, tobacco use, health and who the cover is for. |
| Your first call | A cold fact-find, starting from nothing. | A conversation that starts from their answers. |
| What you pay for | Every lead, whatever it turns out to be. | Qualified leads only. A lead that fails a check is never sent. |
The compliance
answer.
We are an advertising company. We do not sell, quote or bind insurance, and we are not an insurance agency. We run consumer advertising under our own brands, check each inquiry, and deliver it to one agent, never resold.
Consent is captured at the point of inquiry and kept on record with the lead. Delivery runs inside TCPA-aware windows set by the consumer’s time zone.
The division of labor is clean. We own honest advertising, recorded consent, the published checks and the one-agent delivery rule. Your agency owns licensing in the consumer’s state, carrier appointments, product suitability and the sale. A qualified lead is an inquiry about cover, never a promise of an application or a policy.
This is not legal advice. Insurance marketing and telemarketing rules differ by state, so have your compliance lead approve the setup before launch. We structure delivery around what they approve.
What else do agents ask?
Every answer follows from one mechanism: checked leads, their own answers, one agent per lead, never resold.
What is a final expense lead?
Are these leads exclusive?
What makes a lead billable?
Do I need to be licensed in the lead’s state?
Do you also sell final expense live transfers?
How fast do leads arrive?
What states do you cover?
What does it cost?
Which states
do you sell in?
Tell us your states, how many leads a month you want and what a policy costs you to sell today. You get a straight answer on whether we can supply you and what delivery looks like.
Can we supply
your state?
Tell us the states you are licensed in. You get a straight answer on whether we can supply them, and what delivery looks like, before anyone gets on a phone.