For insurance agents, agencies, and carriers
Insurance Lead Generation
Verified, high-intent calls and leads from consumers actively shopping for coverage, priced per verified call or lead and matched to the lines and states you write.
What this is
What insurance lead generation is
Insurance lead generation is the process of acquiring consumers actively shopping for coverage, across Medicare, health, life, auto, and final expense, and delivering them to agents and carriers as verified, high-intent calls and leads.
The demand is real and it is constant. Someone aging into Medicare compares plans before their birthday. A family priced out of employer coverage shops the Marketplace during open enrollment. A senior settling their affairs looks into burial coverage. A new driver or homeowner needs a policy bound this week. Each of those is a person ready to talk to a licensed agent, and the work is reaching them at that moment, confirming the contact is a genuine shopper, and routing the call or lead to your team fast enough to write the business.
Elevarus runs this as a performance program. We build and own the paid and organic media, generate the demand, verify every contact, and get paid on the verified call or lead we deliver. You pay for a qualified call or an OTP-verified lead, not for the marketing that produced it and not for a booked appointment or an issued policy. We deliver the demand; your licensed agents run the presentation and the close.
Explore by vertical
Insurance lead generation, vertical by vertical
Every insurance line has its own buyer, its own season, and its own compliance rules, so we generate and screen it separately rather than lumping it into one generic "insurance" bucket. The six lines below split into three groups: health coverage (Medicare, ACA, and under-65 private health), life coverage (life insurance and final expense), and property and casualty (auto). Pick your line for the full program, the buyer, and how the verified call and lead model works for it.
Every line above is delivered as a verified call or an OTP-verified form lead, source-tracked, and matched to the lines and states you actually write.
Who this is for
Who buys insurance leads
The buyer here is anyone with licensed agents to keep busy and a book to grow. What changes is scale, the lines they write, and what a good call or lead is worth to them.
Independent agents and agencies
Solo producers and growing agencies that live on referrals and aged lists and want a second, predictable source of shoppers matched to the states and lines they are licensed in.
FMOs, IMOs, and marketing organizations
Upline organizations that distribute demand to a downline of agents and need verified, source-tracked volume they can hold accountable to a cost per call and cost per lead.
Carriers and call centers
Direct-to-consumer carriers and licensed telesales floors that can absorb steady daily volume and answer fast enough to place it.
Performance agencies and buyers
Media agencies buying on behalf of insurance clients that need verified demand with clean attribution instead of a shared marketplace feed.
How you buy
Per verified call and per verified lead. You set the terms.
Cost per verified call
A shopper with active intent, screened and connected to your licensed floor in real time. You pay for the qualified call, not for the marketing that produced it.
Cost per verified lead
An OTP-verified form lead from a real shopper, pushed to your CRM or dialer the moment it comes in, matched to the line and states you set.
You set the lines, the states, the daily volume, and the filters, and you pay for the calls and leads that match. There is no per-appointment guessing and no charge for a bound policy, because we deliver the verified demand and your licensed agents run the close. Cost per call fits teams that sell on the phone and win on speed to answer. Cost per lead fits teams with fast follow-up that work fresh submissions at volume. Most operators run a mix, and we scope the split against the way your agents actually write business.
The differentiator
The technology that makes every call and lead real
OTP-verified leads
Every contact clears a one-time-password check on the phone number, so you reach a real shopper at a number that actually rings. Not a typo, not a recycled form, not a fake.
Bot and spam detection
Automated traffic, click farms, robocalls, and junk submissions are stripped out before any of it can become a billable call or lead. You stop paying for noise.
High-intent traffic
We source demand where consumers are actively shopping coverage right now, then screen for intent before delivery, instead of buying cheap clicks that never had a real shopper behind them.
In-market targeting
Our models find the shoppers most likely to convert, screened for the signals that decide an insurance sale: age band, licensed state, enrollment window, and coverage fit.
How it works
From shopping intent to verified call or lead
Generate demand where it converts
High-intent paid and organic demand across Google, Bing, Meta, native, and video, matched to how consumers actually search and respond for each line of coverage.
Verify and screen
OTP verification, bot and spam detection, and fit screening by age band, licensed state, and coverage type all run before a call or lead is routed or billed.
Route in real time
Verified calls ring your licensed floor and form leads push to your CRM or dialer the moment they happen, so your agents respond while intent is high.
Track and tune
We tie every verified call and lead back to the ad, keyword, and creative that produced it, then move spend toward the lines, states, and campaigns that deliver verified demand.
The three groups
Health, life, and property coverage are different buyers
Lumping every insurance line together is how generic lead vendors burn agents. We build each group around its own buyer, season, and rules.
Health coverage
Medicare age-in and annual enrollment, ACA on-exchange Marketplace shoppers who are subsidy-eligible, and under-65 private health buyers off the exchange. We keep on-exchange ACA and off-exchange under-65 private plans distinct, because they are different products with different enrollment paths and different buyers.
Life coverage
Term and permanent life for families protecting income, and final expense for seniors and the families who help them plan for burial and funeral costs. Both are trigger-driven and respond to social, search, and video.
Property and casualty
Auto insurance shoppers comparing coverage and rates, screened and matched to the states and carriers you write. High, recurring search volume that rewards speed to answer.
Your call
Exclusive or semi-exclusive
Exclusive
Every verified call and lead goes to you alone, so you are the only agent the shopper hears from.
Semi-exclusive
Shared across a small, capped set of licensed operators at a lower cost per lead, for teams that win on speed to answer.
We match the model to your line, your states, and your budget. Some operators want every lead exclusive to protect their placement rate. Others want semi-exclusive volume in a market they dominate on response time. There is no single right answer, and we will tell you which one fits your economics instead of selling you the version that pays us more. Either way, your leads are never dumped into an open marketplace and resold to a crowd.
Compliance
Consent-based demand, built for a regulated space
Insurance, and especially Medicare and health, is a regulated category, so how the demand is generated matters as much as the volume. We build campaigns around consent and keep the messaging factual.
- Demand generated through consent-based, opt-in campaigns, with every contact verified before delivery
- Factual messaging with no guarantees of coverage, approval, savings, or plan-specific claims
- Medicare and health demand handled with the compliance rules those agents work under in mind
- Clean attribution and source tracking, so the calls and leads your team works hold up
- Your licensed agents make the actual product recommendation and handle enrollment under their own carrier and regulatory requirements
Market context: what shapes cost per lead in insurance
Cost per verified call and cost per verified lead in insurance are not one number. What you pay moves with:
- The line of coverage, since a Medicare call and an auto insurance lead carry very different value
- The season and enrollment window, because Medicare AEP and ACA open enrollment concentrate demand
- How competitive your states and target buyer are
- Whether you take leads exclusive or semi-exclusive
We scope your cost per lead and cost per call to your lines, states, volume, and exclusivity on a strategy call rather than quoting a flat rate on a page.
Questions insurance operators ask
FAQ
What is insurance lead generation?
It is the process of acquiring consumers actively shopping for coverage, across Medicare, health, life, auto, and final expense, and delivering them to agents and carriers as verified, high-intent calls and leads. A good program puts spend in front of real shopping intent, verifies every contact, screens for fit by line and state, and routes the call or lead to your team fast enough to write the business.
Which insurance verticals does Elevarus serve?
Six lines: Medicare, ACA, under-65 private health, life insurance, final expense, and auto insurance. They group into health coverage, life coverage, and property and casualty. Each line gets its own high-intent demand, audience targeting, and screening built around how that buyer actually shops, rather than one generic insurance setup.
How do insurance lead costs work?
You pay per verified call or per verified lead, not per appointment and not per bound policy. What you pay varies by line, season and enrollment window, how competitive your states are, and whether you take leads exclusive or semi-exclusive. We scope the number to your program on a strategy call rather than publishing a flat rate, because a Medicare call and an auto lead are not worth the same thing.
Are insurance leads exclusive or shared?
Your choice. We deliver exclusive calls and leads that go to you alone, or semi-exclusive volume shared across a small, capped set of licensed operators at a lower cost per lead. We match the model to your line, states, and budget. Either way, we do not resell the same shopper into an open marketplace.
Are the leads TCPA and consent-compliant?
We generate demand through consent-based, opt-in campaigns and verify every contact before delivery, and we keep the messaging factual, with no guarantees and no plan-specific claims. Your licensed agents make the product recommendation and handle enrollment under their own carrier and regulatory requirements. We build the campaigns and tracking to respect the rules insurance agents have to follow so the calls and leads you work hold up.
How do you handle Medicare and ACA seasonality?
Health demand concentrates around enrollment. Medicare has age-in demand year round plus the Annual Enrollment Period, and ACA has open enrollment and special enrollment windows. We watch those windows in each market and shift spend toward the lines that are in demand right now, so your volume tracks real shopping behavior instead of a flat monthly plan.
How fast do the calls and leads reach my team?
In real time. Verified calls ring your licensed floor and form leads push to your CRM or dialer the moment they come in. Speed to answer is one of the biggest levers on contact and placement rate in insurance, so we build delivery around it.
Insurance lead generation is one line of what we do. Explore the full lead generation program across every vertical we serve.
Ready for verified insurance calls and leads?
Tell us the lines you write and the states you cover. We will map your market and show you how the verified, per-call and per-lead model works for your agency.