The best dialer for final expense: fresh leads, aged leads, and what each costs an agent a month

The short answer, by situation

Prices read on each vendor's own page on November 3, 2026 (ReadyMode, EmberDial), or from lib/aeo/competitors.ts with the month last read: PhoneBurner October 22, Ringy October 29, Convoso October 30 (reported, Convoso publishes no price), Kixie (reported, quote only). The DialSheet figures use this page's example call mix, below.

Fresh leads and aged leads need different dialing

A fresh final expense lead, an inquiry from this week or a live transfer, is the most expensive record you own and the most likely to answer. On a parallel dialer two people can answer at the same moment. DialSheet connects the first and plays the second a short apology before it hangs up; ReadyMode and Convoso pace their predictive dialers to keep those drops under a ceiling. The FTC’s Telemarketing Sales Rule calls a call abandoned when the person is not connected to a rep within two seconds of finishing their greeting (16 CFR 310.4(b)(1)(iv)), and its safe harbor allows abandonment of no more than 3% of answered calls per campaign, measured over each 30 days (310.4(b)(4)(i)), read on eCFR on November 3, 2026.

So the working rule most agents land on: fresh leads one at a time, aged leads on two to four lines. An aged file bought for a couple of dollars a record rings out most of the time, and that waiting is what multiple lines remove. DialSheet counts the people it hung up on during each parallel session and suggests switching that list to Power Dial once the count climbs. It does not pace to an abandon rate, which is the reason a floor that dials predictive should look at ReadyMode.

The Best Power Dialer Rings 2 to 4 Leads at Once and Skips the Voicemails0:58

What one agent pays a month at 60 to 300 dials a day

One agent, 21 calling days. Example call mix, not an industry statistic: 30% of dials reach a voicemail greeting, 10% reach a person, 5 minutes a conversation; your own dialer's reports replace it. Connected minutes are answered voicemail plus talk, rounded up per call the way Twilio bills (EmberDial may bill a short voicemail for less), which is what EmberDial bills at 2¢ ($99 licence). ReadyMode and PhoneBurner are monthly / annual list prices with minutes included; Ringy is the $119 CRM plus the $70 power dialer add-on. DialSheet: the $29 seat plus the agent's own Twilio at ~$0.014/min, the browser leg on every ring, one number, and answering machine detection at $0.0075 a dial on the parallel column. Read November 3, 2026.

At 200 aged-lead dials a day the agent connects about 3,360 minutes a month, and DialSheet’s parallel seat is $133 against $166 on EmberDial and $199 on ReadyMode’s annual licence. Past about 334 dials a day the ReadyMode licence wins, and CloudTalk’s $64 annual parallel seat with US and Canada calls included wins earlier, from about 67. On a single line, DialSheet stays under PhoneBurner Standard’s monthly seat to about 384 dials a day and under Ringy with its dialer to about 452, which is more than one line can dial in a day.

If you bought a 1,000-lead aged batch and want the dialer’s share of each issued application, that sum is on the best dialer for life insurance agents, and what to say when an aged lead answers is on the aged final expense lead script.

Each final expense dialer in brief

• ReadyMode, $199–$299 a licence. A predictive dialer and webphone on both plans, outbound minutes included under a fair use policy, inbound at 2¢ a minute. Starter sells from one licence with 30 numbers; iQ is sold for 5 or more and adds caller ID reputation monitoring and remediation. The pick for a floor that dials predictive. Its bill for 1 to 10 agents is on ReadyMode pricing.
• Convoso, quote only. Predictive and multimode dialing with StateTracker for state attempt rules, sold mainly on annual plans with carrier fees billed separately; reviewers report $90–150 an agent and a 20-agent minimum. The pick for a large floor. See Convoso pricing.
• PhoneBurner, $140–165 a seat. One live line with unlimited dialing to the US and Canada and a built-in CRM; PhoneBurner says it is not a predictive dialer. The pick for an agent who talks most of the day and never wants two lines.
• Kixie, quote only. A PowerDialer of one line or up to four on Multi-Line, native HubSpot, Salesforce, Pipedrive, Zoho and HighLevel integrations, unlimited US and Canada minutes; reported ~$95–185/user/mo. The pick for a team that works inside one of those CRMs.
• Ringy, $119 plus $70. A CRM with texting, drips and local caller ID, and a power dialer add-on that dials one line. See Ringy pricing for the month per day of dials.
• EmberDial, $99 a licence plus 2¢ a connected minute. Power or predictive per campaign, 10 numbers a licence with a health status on each, transcripts and summaries; no minutes included, ringing not billed. Its own guide says it has no built-in CRM and voicemail drop is coming. The pick for a predictive dialer where agents talk little.

Numbers, Spam Likely and compliance tools

Every final expense dialer is asked the same question: what happens when a number gets flagged. ReadyMode includes up to 30 numbers a licence on Starter and 75 on iQ, with reputation monitoring on iQ only. EmberDial includes 10 and rests a flagged number automatically. PhoneBurner and Ringy charge for numbers. On DialSheet a number is ~$1.15/month on your own Twilio, you can switch the outbound number in the middle of a parallel session, and there is no reputation monitoring. No dialer controls the label a carrier shows, and buying more fresh numbers is not a cure.

For compliance, DialSheet keeps one Do Not Call list for the whole account, records and summarises every answered call on Pro, and has a switch that skips leads outside 8am to 6pm their local time by area code. That window is fixed; it is not each state’s calling-hours statute. You still scrub bought leads against the National Do Not Call Registry and your state list, and consent where the law requires it is your agency’s. This is not legal advice.

The Best Power Dialer Skips Leads Who Are Still Asleep: Local Time on Every Call, Free1:02

If you run a final expense agency floor

A DialSheet team is $29 for the first seat and $29 for each after it, with no minimum and parallel dialing in every seat. The team features that shipped: assign leads to reps, or let the team work a shared pool; a caller ID per rep, pinned to that rep; shared call scripts, so a new hire opens the same way as the floor; a team dashboard: assigned, connected, meetings booked, no-answers and talk time per rep, over any date range. Five agents parallel-dialing 200 aged leads a day come to about $665 a month all-in, against $1,245 on five ReadyMode iQ licences (annual, the plan sold for five) and $830 on EmberDial. The owner can listen to a producer’s live call and whisper to them on Pro. A floor that needs predictive pacing across many agents, or StateTracker-style attempt rules by state, should price ReadyMode iQ and Convoso instead.

Your first ten minutes with a lead file

1. Export the leads from your lead vendor or IMO portal as a CSV with name, phone, age, state and the date of the inquiry.
2. Import it and map the columns; any extra column shows beside the number while you dial. The walkthrough is how to call a list of leads from a spreadsheet.
3. Get a line: connect your own Twilio (~$0.014/min, ~$1.15/month a number) or buy a DialSheet-managed line with no Twilio account.
4. Dial: fresh leads on Power Dial, the aged file on a parallel session of two to 5 lines. The free plan covers your first 500 calls a month.

The Best Free Power Dialer for Insurance Agents: Call Your Renewal List for $01:10

Which final expense dialer should you buy?

Final expense dialer questions