Final expense leads cost: per lead, and per paid policy once you dial them
The pages that answer this are written by lead sellers. The best of them publishes its price grid and a cost-per-policy formula, then leaves “your phone system” as a line with no number. This page fills in that line.
Once the leads are bought, the script is on the aged final expense lead script and the dialers agents compare are on the best final expense dialer and the best AI dialer for insurance agents. The same sum for ACA and Medicare leads is on health insurance leads cost and Medicare leads cost, and for P&C on auto insurance leads cost. For the category: the best power dialer software and the cheapest power dialers.
Aged final expense lead prices, by age and order size
| Lead age | 1–249 | 250–999 | 1,000–4,999 | 5,000–9,999 | 10,000–24,999 | 25,000+ |
|---|---|---|---|---|---|---|
| 3–30 days | $4.50 | $4.00 | $3.50 | $3.00 | $2.50 | $2.00 |
| 31–85 days | $2.50 | $2.00 | $1.50 | $1.00 | $0.80 | $0.60 |
| 86–365 days | $0.80 | $0.60 | $0.50 | $0.40 | $0.30 | $0.25 |
Aged Lead Store's Life Insurance/FEX grid as its page states it ("Store prices checked October 9, 2026"), read November 6, 2026. Price per record; the $100 minimum order applies to every product. Inventory varies; the seller says to check the store total before buying.
Fresh, aged and live-transfer leads, with the dialing added
| Lead format | Per lead | 100 leads | Dialing 100 leads 3 times on DialSheet |
|---|---|---|---|
| Aged 86–365 days (Aged Lead Store, 250–999) | $0.60 | $60 | $9.10 |
| Aged 31–85 days (Aged Lead Store, 250–999) | $2.00 | $200 | $9.10 |
| Aged 3–30 days (Aged Lead Store, 250–999) | $4.00 | $400 | $9.10 |
| Aged 61–120 days (The Price Group) | $5.00 | $500 | $9.10 |
| Aged 30–60 days (The Price Group) | $10 | $1,000 | $9.10 |
| Standard fresh final expense (The Price Group) | $24 | $2,400 | $9.10 |
| Premium fresh final expense (The Price Group) | $29 | $2,900 | $9.10 |
| TV live transfer call (The Price Group) | $45 | $4,500 | Nothing to dial |
The Price Group prices from thepricegroup.io/lead-costs, read November 6, 2026 (its program is limited to approved TPG agents). The dialing column spreads one DialSheet agent's month ($91: $29 seat, their own Twilio from perRepTelephony() with both legs and a number, AMD at $0.0075 a parallel dial) over the 1,000 leads it dialed three times at about 143 dials a working day. Call mix is an example, not an industry statistic: 25% voicemail, 10% a person for three minutes.
The pattern holds at every lead age: the dialing is a few cents to a few tens of cents a lead, and the lead is the bill. That changes which question matters. On aged leads the question is how many dials it takes to reach someone, which is why agents double dial and why a parallel dialer that rings two to 5 numbers at once pays for itself first on old lists. On fresh leads the question is speed: call within minutes, on one line, before the next agent who bought the same lead.
Cost per paid policy, worked from your own close rate
| Paid policies from 1,000 aged leads (your input) | Month spent | Cost per paid policy |
|---|---|---|
| 2 | $591 | $296 |
| 4 | $591 | $148 |
| 6 | $591 | $99 |
| 8 | $591 | $74 |
| 10 | $591 | $59 |
Month spent: 1,000 leads aged 86–365 days at $0.50 ($500) plus one DialSheet agent dialing each three times ($91). The policy counts in the first column are examples for you to replace, not a forecast or a measured rate. Your time, a CRM you already pay for, and chargebacks are left out.
- The formula. (leads + dialer + minutes + anything else the campaign used) ÷ paid policies. Aged Lead Store’s own page uses the same shape; it leaves the phone system as a line without a figure.
- Use paid, not submitted. A policy that lapses or charges back in the first months comes off the count in the month it comes back.
- Compare formats on the same basis. A $45 live transfer is one conversation; 100 aged leads at $0.60 are $60 plus the dials it takes to reach a few of them. Track conversations and paid policies per dollar, not leads per dollar.
Load a lead file and dial it today
- Export. Download the lead file from the seller or your IMO’s portal as a CSV with name, phone, age, state and any lead date.
- Import. Upload it and map the columns; the walkthrough is how to call a list of leads from a spreadsheet.
- Get a line. Connect your own Twilio account, or buy a DialSheet-managed line with a local number.
- Dial. Power Dial on one line for fresh leads, or a parallel session on two to 5 lines for an aged file. See double dialing for calling the same number twice.
What we do not have
Who runs on it
An insurance agency runs 1,000 calls a month, retained month over month. Also: a solo funding desk, and a customer's own story on its own site.
- dialsheet.ioindependent insurance agencyAn insurance agency runs 1,000 calls a month, retained month over month
- dialsheet.iosolo business-funding deskA solo funding broker dials every single week — 1,335 calls last month
- goodroofing.caHow we book estimatesA Calgary roofer on how a storm-season team calls every homeowner in order, with local numbers and no missed follow-ups. “Our calling runs on DialSheet.”
Final expense lead cost questions
How much do final expense leads cost?
It depends on age and format. Aged Lead Store's Life Insurance/FEX grid (checked October 9, 2026) prices aged records from $0.25 to $4.50 each, with a $100 minimum order. The Price Group publishes $5 and $10 for aged leads, $24 and $29 for fresh final expense leads, and $45 for a TV live transfer call. Calling them is a separate cost: on DialSheet's parallel dialer, about $0.09 a lead for three dials, seat and minutes included.
How much are aged final expense leads?
At Aged Lead Store, October 9, 2026: $0.80 to $0.25 a record for leads 86–365 days old, $2.50 to $0.60 for 31–85 days, and $4.50 to $2.00 for 3–30 days, cheaper as the order grows. The Price Group lists $10 for 30–60 days and $5 for 61–120 days. Aged leads are the cheapest records and the hardest to reach, so plan on several dials each.
How much do 1,000 aged final expense leads cost?
$500 at Aged Lead Store for 1,000 records aged 86–365 days ($0.50 each, the 1,000–4,999 band). Dialing each of them three times in a month is 3,000 dials, about 143 a working day, which costs one DialSheet agent about $91 on the parallel dialer with the seat and their own Twilio. The month comes to about $591 before your time.
What does a final expense policy cost in leads?
Divide everything you spent by the paid policies it produced: (leads + dialer + minutes) ÷ paid policies. With the $591 month above, that is $148 a policy if the 1,000 leads produce 4 paid policies and $74 if they produce 8. Those policy counts are examples, not a forecast; use your own. Count chargebacks against the month they come back in.
Final expense leads cost on Reddit: what are agents paying?
r/InsuranceAgent threads keep asking: "$300 for 30 leads ?" (ten dollars a lead), "How much are you paying for leads?", and "How much do most life insurance agents spend on leads a month". The answers range from organic leads that cost nothing to agents spending thousands a month. The useful number is not the lead price but cost per paid policy, which needs your own contact and close rates.
How much does it cost to dial a final expense lead?
On DialSheet's parallel dialer with your own Twilio, about $0.09 a lead for three dials when one agent works 1,000 aged leads in a month: the $29 seat, Twilio at ~$0.014/min on both call legs, a number and answering machine detection. That is 15% of the month in the example; the leads are the rest. The free plan covers 500 calls a month to try it.
Lead prices are each seller’s published figures: Aged Lead Store (agedleadstore.com/final-expense-leads-cost, grid checked October 9, 2026) and The Price Group (thepricegroup.io/lead-costs), both read November 6, 2026. We do not sell leads and have no arrangement with either seller. We build DialSheet, so weigh the dialing figures accordingly.