Life insurance shoppers rarely buy from the agent who calls fifth. LiveTransfers.com life insurance live transfers put a pre-screened shopper on the phone with your agent in real time — exclusive to you, so you're the first and only agent they talk to.
All LiveTransfers.com life insurance live transfers are sold on our Live Transfer Exchange. You set your bid, your licensed states, your hours and your filters, and every transfer comes with a 120-second buffer: your agent has two full minutes to confirm the prospect is interested and fits your filters, and calls ended inside the 120 seconds aren't billed.
What is a life insurance live transfer?
A life insurance live transfer is a consumer who has asked about life insurance coverage, has answered a call center's qualifying questions and is transferred to your licensed agent while still on the line. Instead of a name on a list, you get a conversation with someone ready to get a quote.
Life insurance leads we transfer
- Term life — families and homeowners looking for 10-, 20- or 30-year coverage
- Whole life — permanent coverage and cash value shoppers
- Final expense — seniors covering burial costs (see final expense live transfers)
- Mortgage protection — homeowners protecting their mortgage (see mortgage protection live transfers)
- No-exam and simplified-issue shoppers who want coverage fast
How life insurance live transfers work
- Set up your campaign on the Live Transfer Exchange. Choose the states your agents are licensed in, the hours you take calls, your daily cap and your filters — age, coverage amount, tobacco use and health.
- Set your bid. Decide what you'll pay per transfer. Higher bids win more of the available calls.
- Call centers screen every prospect. Prospects are pre-qualified against your filters, and every number is scrubbed in real time against the National Do Not Call Registry, state DNC lists and known litigators before it reaches you.
- The call rings your phone, live. Transfers go to one agent or ring through a hunt group of your team.
- Your agent gets 120 seconds to qualify. Confirm interest and fit. End the call within 120 seconds and it isn't billed; stay on past 120 seconds and it's a billable transfer.
Life insurance filters you can set
- Age range
- Coverage amount and monthly budget
- Product type: term, whole life or either
- Tobacco use and general health
- Currently insured or not
- Licensed states, call hours and daily cap
The 120-second buffer: you only pay for prospects who qualify
Every transfer on the Live Transfer Exchange includes a 120-second buffer. When the call connects, your agent has 120 seconds to:
- Confirm the prospect wants a life insurance quote
- Check age, coverage amount, tobacco and health against your filters
- Confirm you're talking to the person who will be insured or the policy owner
If the prospect isn't interested or doesn't fit, end the call within 120 seconds and you aren't charged. Calls that go past 120 seconds are billable. There are no return forms and no disputes — quality control happens in real time, on your side of the phone. See our lead credit policy for the details.
Life insurance live transfers vs. other life insurance leads
| Live transfers | Internet (form) leads | Aged leads | |
|---|---|---|---|
| Contact rate | 100% — the shopper is on the line | Often under half | Low |
| Exclusive? | Yes, one buyer | Often sold to several agents | Usually resold many times |
| Speed | Real time | A race against other agents | Days to months old |
| Pay for bad leads? | No — end the call within 120 seconds | Usually yes, or file a return | Yes |
| Cost per lead | Highest | Medium | Lowest |
| Cost per sale | Often the lowest | Varies widely | Depends on your dialing |
Shared life insurance internet leads are cheap because they're sold to several agents at once. Live transfers cost more per lead, but your agents talk to every one — and they're the only agent on the call.
How much do life insurance live transfers cost?
You set your own price. On the Live Transfer Exchange you bid per transfer, by state, and you only pay for calls that pass the 120-second buffer. What moves the market price:
- Product and coverage. Larger face amounts and permanent coverage are worth more than small term policies.
- Your filters. Tight age, health and tobacco requirements mean fewer shoppers qualify.
- States and hours. More licensed states and longer call windows bring more volume.
- Your bid. Higher bids get priority on available calls.
Set your bid on LiveTransferExchange.com → Or call 1-800-622-4319 and we'll help you set up your campaign.
Closing more life insurance transfers
- Answer quickly and open with what the screener confirmed.
- Quote on the first call, and use carriers with fast, no-exam underwriting where you can.
- Book the paramed exam before you hang up when one is needed.
- Review recordings weekly and tell us which qualifiers predict a placed policy.
More insurance live transfers
- Final expense live transfers
- Mortgage protection live transfers
- Medicare supplement live transfers
- Health insurance live transfers
- Group health live transfers
- Auto insurance live transfers
- Annuity live transfers
- All insurance live transfers
Have your own aged leads or book of business? LiveTransfersAI calls your data with an AI agent and transfers interested prospects to your agents.
Frequently asked questions
Where are life insurance live transfers sold?
All LiveTransfers.com life insurance live transfers are sold on the Live Transfer Exchange (LiveTransferExchange.com), where you set your bid per transfer, your licensed states, your hours and your filters.
What happens if a transfer doesn't qualify?
Every transfer includes a 120-second buffer. End the call within 120 seconds if the prospect isn't interested or doesn't fit your filters and you aren't charged.
Are your life insurance leads exclusive?
Yes. Each live transfer goes to one buyer only and is never resold.
What are life insurance live transfer leads?
They are consumers who want a life insurance quote, have been screened against your filters, and are transferred to your licensed agent by phone in real time.
Do you have term and whole life leads?
Yes. You can buy term life, whole life, final expense and mortgage protection transfers, or set your campaign to accept any product type.
How much do life insurance live transfers cost?
You set your own bid per transfer on the Live Transfer Exchange and only pay for calls that pass the 120-second buffer. Price depends on product, coverage amount, your filters, states and bid.