Understanding Your Two Revenue Channels

Relying on a single lead source creates risk. When you diversify across both real-time leads and live transfers, you gain:

• Consistent pipeline — leads fill gaps when transfer volume fluctuates
• Higher conversion — live transfers convert at 2-3x the rate of digital leads
• Budget flexibility — mix and match based on what your agency can handle today
• Coverage across all hours — leads arrive 24/7, transfers during your scheduled hours

Both products are available across 8 insurance verticals:

• Auto Insurance
• Home Insurance
• Life Insurance
• Health Insurance
• Renters Insurance
• Business Insurance
• Commercial Auto
• Umbrella Insurance

When a consumer fills out an insurance quote request, you receive:

• Consumer's name, phone number, and email
• Insurance type they're shopping for
• Geographic location (state, zip code)
• Key details about their coverage needs
• Timestamp of when they submitted their request

The math is simple:

• With shared leads, you're competing against 5+ agents calling the same person
• With exclusive leads, you're the only agent with their information
• No competition means higher contact rates and better conversations
• The consumer isn't annoyed by multiple calls — they're expecting yours

Lead pricing varies by vertical and geographic demand:

• Auto: $5 – $25 per lead
• Home: $15 – $40 per lead
• Life: $10 – $35 per lead
• Health: $15 – $40 per lead
• Renters: $5 – $18 per lead
• Business: $20 – $50 per lead
• Commercial Auto: $18 – $45 per lead
• Umbrella: $12 – $30 per lead

Live transfers dramatically outperform cold outreach:

• Consumer is already engaged — no voicemail, no phone tag
• Their intent is pre-verified — they actively want to talk about insurance
• The warm handoff creates trust — someone vouched for you
• You skip straight to needs discovery and quoting

Live transfers are priced higher than leads because they deliver a consumer who is live on the phone and ready to talk:

• Auto: $25 – $55 per transfer
• Home: $35 – $70 per transfer
• Life: $30 – $65 per transfer
• Health: $35 – $75 per transfer
• Renters: $20 – $45 per transfer
• Business: $40 – $85 per transfer
• Commercial Auto: $35 – $80 per transfer
• Umbrella: $30 – $60 per transfer

You control exactly when transfers come in from your Profile settings:

• Set your available hours for each day of the week
• Pause transfers instantly when you're at capacity
• Resume when you're ready for more calls

Recommended split: 60% leads, 40% transfers

• Use leads to build a pipeline you can work on your own schedule
• Take transfers during your highest-energy hours
• Keep lead volume manageable — better to work 10 leads well than 50 poorly

Recommended split: 40% leads, 60% transfers

• Assign your best closers to handle live transfers
• Use leads for newer team members to practice and build skills
• Track conversion rates by agent to optimize who handles what

Recommended split: 30% leads, 70% transfers

• Maximize transfer volume during business hours across your team
• Use leads to fill off-hours and keep agents productive during slow times
• Implement a lead distribution system based on agent performance

Your balance works across both products:

• No separate budgets required — one account funds everything
• Volume discounts apply automatically as your monthly volume grows
• Bronze tier (100-249 leads/mo): 5% discount
• Silver tier (250-499 leads/mo): 10% discount
• Gold tier (500+ leads/mo): 15% discount

Review your Analytics dashboard monthly:

• Which product has a higher conversion rate for your agency?
• What's your cost-per-acquisition for leads vs. transfers?
• Are you fully utilizing your transfer schedule, or leaving hours uncovered?
• Are you responding to leads fast enough to convert them?