How to Buy Final Expense Leads: A Vendor Checklist for Agents and Agencies

Questions to ask every vendor

• Do you run your own ads, or resell traffic from other affiliates?
• Is each lead or call delivered to one buyer, and is it ever resold later?
• Which platforms and landing pages generate the traffic?
• Can you show one sample record from ad to consent to delivery?
• What is credited, and how quickly are credits processed?

Records to request with every delivery

For form leads: the consent text naming your agency, timestamp, IP address, landing page and a TrustedForm or Jornaya record. For inbound calls: the recording, caller number, duration and traffic source.

Run a bounded pilot

Choose a fixed budget, service states, agent hours and review date before launch. Keep form leads and inbound calls in separate cohorts, then follow each through contact, qualification, application and policy issue; allow enough time for underwriting before judging cost per issued policy.

Make results traceable before increasing spend

Ask for a unique record or call ID that follows the inquiry into your CRM. For calls, retain answer status, duration, disposition and policy outcome; for forms, retain delivery time, first contact attempt and the same downstream outcomes.

Agree on credit evidence and deadlines before a dispute arises. Review one accepted inquiry and one rejected inquiry with the vendor, then expand only when your completed pilot supports the decision.

Red flags

• Consent language listing dozens of unnamed partners
• No recordings or certificates available on request
• Long-term contracts before any test
• Prices quoted with guaranteed sales or close rates

FAQs