Exclusive life insurance leads: compare the terms and the economics.
A useful comparison starts with who receives a lead, what it costs and what happens when its phone number is wrong. Then it asks a harder question: how much do you spend in leads for each policy you close?
Exclusive life insurance leads. Clear buying terms.
Reviewed September 28, 2026. Availability is managed through the waitlist.
- Per delivered lead
- $40
- Reported close rate
- 15%
- Average annual premium
- $3,300
One buyer for each lead
Each Ransom Life lead is assigned to one producer. Access is waitlisted so the team can manage capacity and preserve its quality standard.
Unlimited bad-number replacement
The program includes unlimited replacement of bad phone numbers. Confirm the reporting process and delivery availability before placing an order.
Performance with a clear denominator
The reported 15% close rate is closed policies per delivered lead. The $3,300 average annual premium refers to those same policies.
Ransom Life, QuoteWizard and EverQuote.
These providers offer life insurance leads. This comparison separates published product terms from sales results; their public pages do not provide a matched close-rate dataset or a current price for the same lead specification.
| What to compare | Ransom Life | QuoteWizard | EverQuote |
|---|---|---|---|
| Life lead options | Exclusive. One buyer per lead. | Its life product page describes exclusive leads delivered to one agent.Life insurance lead page | Its life lead guide describes exclusive leads and shared leads sold to no more than three agents.Life lead guide |
| Current price | $40 per delivered lead. | Request a quote for your lead specifications. | Request a quote for your lead specifications. |
| Access and supply | Waitlisted access to manage capacity and quality. | Confirm availability for your geography and lead criteria. | Confirm product selection, geography and availability. |
| Bad numbers and returns | Unlimited bad-number replacement. Confirm the submission process before ordering. | Confirm the current credit policy and reporting deadline in writing. | Published terms make returns discretionary and require charge claims within 10 days.Current terms |
| Close-rate evidence | Ransom Life reports 15% per delivered lead; $3,300 average annual premium on the same policies. | No directly comparable delivered-lead cohort used in this comparison. | No directly comparable delivered-lead cohort used in this comparison. |
Exclusivity should be checked at the product and contract level. EverQuote’s published terms define exclusivity within its platform and retain remarketing rights. One seller’s exclusive product does not establish that a consumer has never asked another business for a quote.
What does a closed policy cost?
Change the inputs to compare a lead offer with your own results. The starting example uses Ransom Life’s current $40 lead price and reported 15% close rate with $3,300 average annual premium.
- Lead cost
- $4,000
- Modeled closed policies
- 15
- Lead cost per closed policy
- $266.67
- Modeled annual premium
- $49,500
Planning example, not a promised outcome. Annual premium is the policy’s annualized insurance premium—not agency revenue, commission or profit. Lead cost per closed policy excludes labor and other operating costs.
Ask for the same six answers.
Product and geography
Specify life insurance type, lead age, state, delivery method and the number of agents who can receive the inquiry. A price without the product specification is incomplete.
Price and replacement terms
Compare the delivered-lead price, minimum order, credit eligibility and claim deadline. Separate a bad-number replacement from a lead that is reachable but does not buy.
A common measurement period
Use delivered leads as the denominator and track the same window, policy status and sales process. Add commissions, persistency, chargebacks and labor when evaluating business profitability.
Questions about exclusive life insurance leads.
Are exclusive leads automatically better than shared leads?
Exclusive delivery limits competition from the same lead seller. The right purchase still depends on price, contactability, timing and how your team follows up. Compare cost per closed policy using your own results.
What does Ransom Life’s 15% close rate mean?
It means 15 closed policies per 100 delivered leads in the results reported by Ransom Life. The $3,300 average annual premium describes those same policies. The calculator uses these figures as planning inputs.
What does the $266.67 example measure?
At $40 per lead and a 15% close rate, $4,000 spent on 100 leads divided by 15 modeled closed policies equals about $266.67 in lead cost per closed policy. It does not include labor, software or other costs.
How do I get Ransom Life leads?
Visit Buy Leads and open the portal to review availability. The program uses a waitlist; confirm delivery and replacement arrangements before buying.
Sources and further reading.
- Ransom Life’s current price, exclusivity, waitlist, replacement terms and performance figures were confirmed September 28, 2026.
- QuoteWizard: life insurance leads — product-specific exclusivity.
- EverQuote: life insurance lead guide and EverQuote Pro terms — delivery options and return terms.
- Lead cost per policy: a comparison framework — the assumptions and arithmetic behind the example.
Public vendor pages reviewed September 28, 2026. Ransom Life’s figures are company-reported; a cohort size and measurement period have not been published. Confirm current written terms before committing; offers and eligibility can change.