Every vertical behaves differently. Medicare is timing. Final Expense is trust. P&C is speed. We route around the money path.
T65, AEP, and MA shoppers. Expected contact 68-82%.
$12-$20 CPL50-85, fixed income, burial-cost intent. Expected contact 62-79%.
$9-$16 CPLswitchers, movers, bundle shoppers. Expected contact 58-74%.
$22-$40 CPLworking-age adults, mortgage and family protection. Expected contact 54-70%.
$14-$24 CPLSEP-qualified and open enrollment shoppers. Expected contact 60-76%.
$45-$120 CPLsmall-business GL, BOP, workers comp. Expected contact 48-66%.
Buyer: T65, AEP, and MA shoppers. CPL: $18-$28. Contact: 68-82%.
Best practice: call first, confirm effective date, then move to plan fit. Fields: age, county, current plan, phone, consent URL.
Cases: Dana R. cut cost per app 31%. Lakeview IMO added 44 apps in AEP week two.
Buyer: 50-85, fixed income, burial-cost intent. CPL: $12-$20. Contact: 62-79%.
Best practice: lead with benefit amount, not price. Fields: age, health notes, coverage range, beneficiary intent.
Cases: Marcus K. bound 18 policies from 140 leads. Pine Room dropped duplicate complaints to zero.
Buyer: switchers, movers, bundle shoppers. CPL: $9-$16. Contact: 58-74%.
Best practice: ask carrier and renewal date before quoting. Fields: ZIP, vehicles, home status, carrier.
Cases: Northline Agency lifted bundle ratio to 1.6x. Sean P. cut quote prep by 12 minutes.
Buyer: working-age adults, mortgage and family protection. CPL: $22-$40. Contact: 54-70%.
Best practice: confirm face amount before carrier fit. Fields: age, income band, face amount, tobacco status.
Cases: Ivy Group wrote $38K FYC in 30 days. Troy M. moved from cold prospecting to scheduled callbacks.
Buyer: SEP-qualified and open enrollment shoppers. CPL: $14-$24. Contact: 60-76%.
Best practice: confirm household size and income band early. Fields: county, HH size, subsidy band, SEP reason.
Cases: BrightDesk enrolled 63 households. Ana S. cut no-fit calls by half.
Buyer: small-business GL, BOP, workers comp. CPL: $45-$120. Contact: 48-66%.
Best practice: ask renewal date and payroll before markets. Fields: NAICS, payroll band, employee count, decision-maker.
Cases: Harbor Risk landed 11 BOP quotes. Nia L. found two workers comp rewrites in week one.
One state, one vertical, one clear call plan. That is how you find your real cost per bind.