Live Transfer & Inbound Call Traffic — Final Expense, ACA, Medicare

Live Calls.
Real Consumers.
Pay Per Call.

Skip the cold calling. Our live transfers and inbound calls connect you directly with consumers actively interested in insurance — right now, on the phone. You pay CPL with buffer times. No answer, no charge.

📞 Live Transfers & Inbounds
✅ CPL — Pay Per Call
⏱ Buffer Times Apply
🛡️ TCPA Compliant
🇺🇸 All 50 States

Current Call Transfer Rates

All calls priced CPL with buffer times. You only pay for calls that meet the minimum duration — no answer, no charge, no billing disputes.

Live Transfer
Final Expense
FE Transfers
Final Expense Insurance
$45–$55
per call
120 second buffer time
Consumer transferred live
TCPA compliant
Inbound Call
Final Expense
FE Inbounds
Final Expense Insurance
$50–$60
per call
90 second buffer time
Consumer calls in directly
High intent — consumer initiated
Live Transfer
Health / ACA
ACA Transfers
Health Insurance / ACA
$40–$50
per call
120 second buffer time
Consumer transferred live
TCPA compliant
Inbound Call
Health / ACA
ACA Inbounds
Health Insurance / ACA
$60
per call
90 second buffer time
Consumer calls in directly
High intent — consumer initiated
Inbound Call
Medicare
Medicare Inbounds
Medicare · Senior Market
$60–$70
per call
90 second buffer time
Consumer calls in directly
Medicare-eligible consumers

Pricing can be lowered on volume — and may increase with tighter targeting filters.

📞 Start a Call Campaign →

All Call Products at a Glance

Every product we offer with pricing, buffer times, and call type in one spot.

Product Price / Call Buffer Time Call Type
🛡️ FE Transfers $45–$55 120 sec Transfer
🛡️ FE Inbounds $50–$60 90 sec Inbound
❤️ ACA Transfers $40–$50 120 sec Transfer
❤️ ACA Inbounds $60 90 sec Inbound
👥 Medicare Inbounds $60–$70 90 sec Inbound

Transfers vs. Inbounds — What's the Difference?

Two ways to get live insurance calls. Here's how each one works so you know what you're buying.

📞 Live Transfers

1

Consumer is outbound called

Our team calls a consumer who has opted in and expressed interest in insurance.

2

Qualified on the phone

The consumer is asked a few brief qualifying questions to confirm they are actively interested and meet the criteria.

3

Transferred live to your agent

The consumer is put on hold and bridged directly to your agent — still on the line, ready to talk.

4

Billed after buffer time met

You are only charged if the call lasts 120 seconds or more. Calls that drop early are not billed.

📲 Inbound Calls

1

Consumer responds to an ad

A consumer sees an insurance ad and calls the number directly — they initiated the contact.

2

Routed to your agent

The call is routed in real time to your agent's phone line via our call routing system.

3

Your agent takes the call

Because the consumer called in, intent is typically higher — they're ready to talk insurance.

4

Billed after 90 second buffer

You are only charged if the call lasts 90 seconds or more. Short hang-ups are not billed.

What Sets Our Call Traffic Apart

Not all live transfers are equal. Here's why agents come back to us month after month.

Buffer Times Protect You

You only pay for calls that hit the minimum buffer. 120 seconds for transfers, 90 seconds for inbounds. Calls that don't connect or drop immediately? No charge.

🛡️

TCPA Compliant Traffic

All consumers have opted in and consented to be contacted about insurance. You can close with confidence knowing the call is fully compliant.

📍

State-Level Targeting

Only want calls from specific states? We can filter call routing by state so your agents are always working in their licensed territory.

🔁

Volume Flexibility

Whether you need 50 calls a week or 5,000, we scale the campaign to match your team's capacity and closing rate. Start small and ramp up as needed.

💬

Fast Onboarding

Call campaigns require a short setup conversation to configure routing. Most buyers are live within 24–48 hours of first contact. No lengthy contracts or complicated setup.

📊

Multiple Verticals

We cover Final Expense, ACA, and Medicare — the three most actively dialed insurance verticals. Running multiple product lines? We can supply all three.

Frequently Asked Questions

A live insurance call transfer is when a consumer who has expressed interest in insurance is connected directly to your agent in real time by phone. The consumer is on the line when the transfer happens — your agent picks up and the conversation starts immediately. You only pay for calls that meet the minimum buffer time.
A live transfer is when a consumer is called by our team, briefly qualified, and then transferred to your agent while still on the phone. An inbound call is when a consumer dials in directly — typically from an advertisement — and is routed straight to your agent. Inbound calls tend to have higher closing rates because the consumer initiated the contact themselves.
Final Expense transfers require a 120-second buffer. ACA and Medicare inbound calls require a 90-second buffer. If a call does not meet the minimum duration, you are not charged for that call. This protects you from paying for bad connections, hang-ups, or wrong numbers.
Yes. All call traffic we deliver is TCPA-compliant. Consumers have opted in and consented to be contacted about insurance. You can call and close with confidence.
Yes. We can configure call routing to deliver calls from specific states or regions. This is important for agents who are only licensed in certain states — we discuss your state targeting during the onboarding call before your campaign goes live.
Fill out the contact form below or email [email protected]. Because call campaigns require routing configuration, we'll have a quick conversation to confirm your vertical, volume needs, and delivery setup before your first call is sent. Most buyers are up and running within 24–48 hours.

Set Up Your Call Campaign

Tell us your vertical and volume and we'll get back to you to set up routing. Most campaigns go live within 24–48 hours.

Start a Live Call Campaign
Fill out the form below and we'll follow up to confirm pricing, state targeting, and routing setup. No commitment required.

We'll follow up within a few hours. By submitting you agree to our Terms & Conditions.