Life insurance · live-call marketplace

Live life-insurance calls. Final expense starting at $35.

A life-insurance call marketplace built for final expense, term, IUL, and annuity producers. We filter every inbound by your state licenses and product, route it to an agent who's actually online, and only charge when the call bridges for longer than your billable threshold. No lead credits. No minimums.

Final Expense from $35 · Term from $45 · IUL & Annuity from $55 · bridged calls only
How it works

From ping to bridge in under 4 seconds.

A verified vendor sends us a ping. We decide in milliseconds whether to accept, based on who's actually online and licensed. If we accept, we bridge the call — and only then do you pay.

1. Ping arrives

A certified life-insurance traffic partner sends us the inbound call's metadata — state, product, caller line.

2. We filter + match

Matched against online agents' license states + product credits + concurrency. Rejected pings never cost you a cent.

3. Bridge + bill

Call bridges to your softphone. Billed only if talk time exceeds your threshold (30s default). Recording + AI disposition in 15s.

Trust & fraud

Every call is screened before it ever rings your phone.

The marketplace is only as good as the calls inside it. Every inbound ping goes through a five-step validation pipeline so you never pay for fraud, dupes, or wrong-number transfers.

  • Phone-number format + carrier lookup (mobile vs landline)
  • National Do-Not-Call registry scrubbing
  • Duplicate detection within a rolling 30-day window
  • Fraud-pattern detection (short-duration loops, spoofed ANI, VoIP gateways)
  • Threshold-based billing — call ends before your threshold, you pay $0
Validation pipeline
Phone format + carrier✓ pass · 2ms
Do-Not-Call registry✓ pass · 8ms
30-day dupe check✓ pass · 4ms
Fraud pattern scan✓ pass · 6ms
Agent matched + routedOH · FE · 31ms
Life insurance pricing · per bridged call

Final expense is the star. Term, IUL, and annuity follow.

You know what a call costs before you pick it up. No tiers, no credits, no minimums. Set your threshold, set your daily cap, and go.

Term Life
$45/ bridged call
Mid-market term shoppers — mortgage protection, income replacement, young families.
  • Pre-qualified intent
  • 30s billable threshold
  • Auto-attach Smart Quoter
IUL & Annuity
$55/ bridged call
Higher-intent, asset-qualified life and retirement callers. Auto-attach AnnuityPro.
  • Asset threshold filtering
  • 60s billable threshold
  • AnnuityPro auto-attach

Medicare & health verticals are available on request for licensed agencies — contact sales.

Call traffic partners

Plug into a life-insurance buyer network that actually buys.

We buy life-insurance inbound calls every business hour — Final Expense, Term, IUL, and Annuity. Plug a standard ping endpoint into our marketplace and bid against licensed buyers in real time. Clean dispute tooling, recording access, daily payouts.

  • Standard HTTP ping — compatible with major call-routing stacks
  • Real-time bidding with our buyers — no waterfall delay
  • Dispute portal with recording timestamps
  • Daily payouts, no holdbacks
Apply to become a partner →
Partner ping · 24h traffic
POST /marketplace/calls/ping
{
"caller_phone": "+1614••••0421",
"caller_state": "OH",
"product": "final_expense",
"intent": "high"
}
← 200 OK · reserved · buyer matched · 28ms
Marketplace FAQ

The answers new buyers ask in their first hour.

What exactly am I paying for?

A call that bridges to your softphone and stays connected longer than your billable threshold (30 seconds by default on most verticals, 60 seconds on annuity). Calls below threshold are $0. Pings we reject because you're offline or out-of-license are $0.

What happens if a call is fraudulent or a duplicate?

The validation pipeline catches most of these before they touch your phone. When one slips through — a spoofed ANI or a caller who hung up before 30s but still met threshold — open a dispute in the call review page with a one-click button. Refunds process within 24 hours.

Can I set a daily cap?

Yes. Per-product daily cap + agency-wide daily cap + concurrency limit. Hit the cap, we stop routing you calls until the next day. You control your burn rate exactly.

Are recordings included?

Every bridged call is recorded, transcribed, AI-coded with disposition (sold, interested, not interested, wrong number, etc.) within 15 seconds of hangup, and available in the call review page for 90 days.

How fast does routing actually go?

Ping in to agent's phone ringing: sub-4 seconds p95 on the current marketplace. Once you pick up, the caller is already on the line — no "please hold" silence.

What products are live right now?

Final Expense is the flagship, with consistent daily volume nationwide. Term Life, IUL, and Annuity / retirement calls are available in every state with a licensed buyer. Medicare and health products are available on request for licensed agencies — contact sales.

Real calls. Real humans. Flat per-bridge pricing.

Trial includes $50 of marketplace credit so you can take a few calls on us before deciding.