An insurance live transfer is the shortest path from a prospect's interest to your quote. A U.S.-based call center agent speaks with the consumer, confirms they want coverage and that they fit your criteria, and then transfers the call to your phone while the prospect is still on the line. You start every conversation with a qualified person who is expecting to talk to a licensed agent.
LiveTransfers.com has delivered Pre-Qualified Live Transfers® to insurance agents and agencies since 2001. Every transfer is exclusive: the prospect goes to you and only you.
Insurance lines we transfer
- Final expense and burial insurance, typically ages 50 to 85
- Medicare Supplement and turning-65 prospects
- Health insurance for individuals, families and the self-employed
- Group health for small business owners
- Life insurance and mortgage protection for homeowners
- Auto insurance shoppers comparing rates
- Annuities for pre-retirees and retirees
Don't see your product? We build custom insurance campaigns around your carriers, states and underwriting guidelines.
How an insurance live transfer works
- You set the filters. States you're licensed in, age range, coverage type, hours you can take calls and how many transfers per day.
- We screen every prospect. Our agents confirm identity, interest in the specific coverage, and your qualifiers, such as age, current coverage, budget or health questions.
- The call rings your phone. The prospect is warm-transferred to you live. If you don't answer, the call doesn't count as a delivered transfer.
- You quote and close. No callbacks, no voicemail, no chasing a form that was filled out two days ago.
Why agents choose live transfers over internet leads
A shared internet lead goes to several agents at once, and the first one to call usually wins. Many never get answered at all. A live transfer removes both problems: you have a 100 percent contact rate because the prospect is already on the phone, and you're the only agent they speak with. That's why many agencies judge live transfers by cost per policy rather than cost per lead. The transfer costs more up front, but far more of them turn into quotes and applications.
Comparing lead types? Our guide to exclusive insurance leads breaks down live transfers, internet leads, callback leads and aged leads side by side.
What determines the price of an insurance transfer
Pricing is per qualified transfer, and it depends on:
- Product line. Medicare and final expense are priced differently from auto or health.
- How tight your filters are. More qualifying questions means fewer prospects pass, which raises the cost of each one.
- States and hours. Narrow territories and short calling windows limit volume.
- Minimum call duration. A transfer usually becomes billable after the prospect stays on the line for an agreed number of seconds.
- Volume. Steady daily volume is priced better than occasional bursts.
Want to see what buyers are paying right now? Insurance calls are bought and sold in real time on our Live Transfer Exchange, where you set your own bid per call.
Compliance comes first
Insurance is one of the most regulated lead categories, and a bad transfer can cost far more than its price. Our campaigns are built around TCPA requirements: consent is collected and documented before marketing calls, numbers are scrubbed against the National Do Not Call Registry and internal DNC lists, and call recordings are kept so you can review how each transfer was handled. If your carrier or FMO has its own scripting or disclosure requirements, we build them into the screening script.
Getting the most from your transfers
- Answer within the first few rings. A prospect who waits on hold cools off fast.
- Have a licensed agent available for every hour your campaign runs.
- Open with what the screener just confirmed, so the prospect doesn't repeat themselves.
- Review your recordings weekly and tell us which qualifiers predict a sale. We'll tighten the script.
Prefer to generate your own transfers? LiveTransfersAI is our hybrid AI dialer: an AI agent qualifies every live answer and transfers interested prospects straight to your agents.
Frequently asked questions
What is an insurance live transfer lead?
It's a prospect who has been screened by a call center agent for interest and eligibility, then transferred by phone to a licensed insurance agent while still on the line. You speak with the prospect immediately instead of calling them back later.
Are your insurance live transfers exclusive?
Yes. Every transfer goes to one agent or agency only. We never sell the same prospect to multiple buyers.
What happens if I miss a transfer?
A transfer is only billable when you connect with the prospect and the call meets the agreed minimum duration. Missed calls aren't charged as delivered transfers.
Can I choose which states and hours I receive calls?
Yes. You set your licensed states, calling hours, daily volume and qualifying criteria, and you can raise or lower volume as your capacity changes.
Which insurance products do you cover?
Final expense, Medicare Supplement, health, group health, life, mortgage protection, auto and annuities, plus custom campaigns for other lines.