100% exclusive, TCPA-compliant final expense leads and Medicare leads delivered as real-time live transfers and inbound calls — never resold, never shared, routed to licensed agents in all 50 states the second they land.
Free in-house dialer on every order · No software fees · No long-term contract
No home services, no solar, no legal — and no spreading ourselves across eight insurance products either. The entire media buy, the compliance stack and the routing logic exist to produce final expense and Medicare calls.
Our largest desk. Final expense leads from branded direct-response traffic, delivered as live final expense calls — seniors 50 to 85 who just asked about burial coverage. Age, state and banking filters run before the transfer.
See the final expense deskMedicare leads as compliant calls across Advantage, Supplement and Part D. T65, aging-in and SEP-qualified callers, with disclosure audio and the full consent trail attached to every call for carrier and CMS review.
See the Medicare deskSame prospect, different path to your agent. One is easier to close. The other builds a better book. Flip between them.
Warmed up first · Easiest to close
A qualifying agent handles the front end, confirms the prospect fits, and warm-transfers them straight to your closer. The first objection is already gone by the time your producer says hello, which is why transfers are the fastest way to get a new agent writing.
Honestly, it depends on what you prefer — and both work. The differences are real but they cut in opposite directions, so the right answer changes with where you are.
Inbound premiums tend to run higher, and persistency tends to hold better. The prospect picked up the phone themselves, so they arrive further along and they stay on the books longer. That is also why the acquisition cost sits a little higher up front, around $150 against roughly $130 on transfers.
Live transfers are simply easier to close. Someone else already broke the ice, so a newer producer converts faster and gets confident faster. If you are just getting started, start here.
Inbounds are easier to build a team around and easier to build a book of business on. Volume is steadier, the shifts are easier to staff, and the quality of the writing holds up as you add seats — which is what you want once you are past the first few months and thinking about a floor rather than a desk.
The same senior, bought two different ways. What separates a real-time exclusive lead from a shared list is not the price — it is who else already called them.
| What you are buying | Shared & aged leads | B&B Media calls |
|---|---|---|
| Exclusivity | Sold to 3–5 agencies | 100% exclusive, one buyer |
| Delivery speed | Hours to days old | Real time, live on the line |
| Contact rate | You dial and chase | They call you, held on a buffer |
| TCPA consent trail | Vendor holds it, if anyone does | Attached to the call in your dialer |
| Screening | Form fields, unverified | Age, state, banking checked pre-transfer |
| Duplicates | Recycled and resold | 14-day suppression across the network |
| Dialer software | Your cost, monthly | Built in-house, included free |
| Cost per acquisition | Cheap per lead, expensive per policy | ~$130 transfers · ~$150 inbounds |
Seniors aged 50 to 85 who just requested burial coverage information, held through a 60-second buffer and transferred live to your licensed agent. Screened on age, state and banking status before the call ever reaches your floor.
Callers confirmed inside the 50–85 window and tightened to your carrier appointments. Anyone outside your band is filtered before transfer, not billed and disputed afterwards.
Calls route only to agents licensed in the caller's state. Unlicensed pairings never connect, which keeps your compliance file clean and producers off dead calls.
Draft capability is confirmed on the front end. Final expense books die on declined drafts, so we screen for it before an agent spends twelve minutes on a policy that will lapse.
Rolling 14-day duplicate window across the whole network. The same senior does not reach you twice, and does not reach a competitor off your traffic.
Consent record, source URL, timestamp and full recording attached to each final expense call inside the dialer. Everything a carrier audit asks for is one click away.
Hard caps you set yourself. Ten final expense calls a day that get worked beat fifty that ring out into an unstaffed floor at 4pm.
A shared final expense lead is dialled by four agencies within the hour. By the second call the senior has stopped answering unknown numbers, and your producer is working a list rather than a prospect. Contact rate collapses, cost per issued policy climbs, and the lead source takes the blame for what is really a timing problem.
Final expense calls remove the gap entirely. The prospect dials in from an ad they just engaged with, clears a 60-second buffer, and reaches a licensed agent while intent is still live. No dial list, no voicemail cadence, no argument about whether a lead was worked.
Agencies running our final expense desk hold close rates near 20% with book persistency around 87%. Average cost per acquisition runs about $130 on live transfers and about $150 on inbounds. Your numbers move with agent skill, staffed hours and how fast the call is answered.
Final expense works on both. Live transfers are easier to close because a qualifying agent has already broken the ice, which is why newer producers ramp faster on them. Inbound premiums tend to run higher and persistency tends to hold better, because the senior picked up the phone themselves — and inbound volume is steadier, which makes it the desk to build a team on.
Billed per connected final expense call that clears your 60-second buffer. No lead fees, no platform fees and no monthly minimum for the dialer. Tighter filters mean fewer calls and a lower cost per issued policy, so we tune the filter set to your floor before traffic switches on.
Run us against your current source on the same floor, same hours, same producers, for two weeks. Cost per issued policy is the only number that settles it, and it is the number the B&B Dialer reports natively.
Advantage, Supplement and Part D callers — T65, aging-in and SEP-qualified — delivered as compliant inbound calls and live transfers, with disclosure audio, consent record and full recording bound to every call before it reaches your agent.
T65, aging-in and SEP-qualified callers separated at the source, so your agents are not spending AEP capacity on someone who cannot enrol for another nine months.
The required disclosure is captured on the call itself and stored against the record, not promised in an email from a vendor three weeks later.
Advantage, Supplement and Part D interest tagged where the caller states it, so your MA desk and your MedSupp desk route separately.
Routing respects state licensure and carrier appointment, because a Medicare call reaching an unappointed agent is a compliance problem, not a lost sale.
Consent record, source URL and timestamp attached to every Medicare call in the dialer. When a carrier or a reviewer asks how a beneficiary reached your agent, the answer is one click.
Hard caps by day, hour and state. During AEP that is the difference between a productive floor and a queue nobody answers.
Medicare leads are the most scrutinised traffic in insurance marketing, and the scrutiny lands on the agency rather than the vendor. Every Medicare call we route carries its disclosure audio, consent record, source URL and timestamp stored against the call in the B&B Dialer — so the file exists before anybody asks for it.
Volume during annual enrolment is not the constraint; answered volume is. Caps, hours and concurrency are yours to set, and calls that would land on an unstaffed floor reroute rather than ring out. A Medicare call that goes unanswered is worse than one you never bought.
Medicare live transfers are easier to close and easier to hand a newer agent, because the qualifier has already confirmed eligibility and intent. Inbound Medicare calls carry stronger persistency and are easier to build a team around, because the volume pattern is predictable enough to schedule against. Both are compliant; the choice is about your floor.
Average cost per acquisition runs about $130 on live transfers and about $150 on inbounds. Over a Medicare book, persistency is usually what decides which of those two numbers was actually cheaper.
Every other network sends you a call and leaves you to go buy software. We built our own dialer, and it is provisioned to your agency the moment you place an order — no seat fees, no licensing fees, no third-party contract to sign.
Because we own the stack end to end, the routing rules, the compliance capture and the reporting all read from one record. When a call is questioned, the recording, the consent URL and the timestamp are already attached to it.
Weighted, concurrency-aware routing by state licence, vertical and time of day. Overflow rolls to the next available closer instead of dying in a queue.
Consent record, source URL, timestamp, disclosure audio and full recording bound to every call. Suppression and duplicate checks run before the agent's phone rings.
No per-seat charge, no annual platform minimum, no onboarding invoice. The dialer is part of the call order, full stop.
Warm-transfer rules fire the second a caller clears your filter set. Cap reached, hours closed or licence mismatch and the call reroutes in milliseconds.
Close rate, cost per issued policy and agent-level connect rate update as calls land. You read the same dashboard we do, on the same data.
Every call recorded, transcribed and dispositioned in one place, with CRM push available. Coaching material and evidence come from one archive.
Most agencies are taking calls inside seventy-two hours of the first conversation.
Final expense or Medicare — and whether you want live transfers, inbound calls, or a split of both.
Age bands, coverage minimums, geography, daily cap and concurrency. Caps are hard limits, always.
Routing numbers, agent seats and compliance capture stood up in the B&B Dialer. No fee, no project.
Traffic switches on and calls hit your closers in real time. Adjust caps or pause states any time.
You need the phone to ring with someone who asked about coverage. You pay for connected calls that clear your buffer — nothing else.
You generate compliant insurance calls and want a buyer who pays on time and does not shave. We buy across every vertical on this page, weekly.
The economics of a final expense book are decided by contact rate. A shared final expense lead is dialled by four agencies inside an hour, and the senior who filled the form has stopped answering unknown numbers by the second one. Final expense calls invert that: the prospect is on the line, holding, while the intent is still live.
Our final expense desk screens age band, state and banking status before the transfer fires, so the conversation starts at coverage amount instead of qualification. Agencies working the desk typically hold close rates near twenty percent.
Medicare leads carry the heaviest evidentiary burden in insurance marketing. Every Medicare call we route carries disclosure audio, consent record, source URL and timestamp stored against the call in the B&B Dialer. When a carrier asks how a beneficiary reached your agent, the answer is one click.
Networks that sell eight verticals are buying eight kinds of traffic badly. We run final expense leads and Medicare leads and nothing else, which means the creative, the screening questions, the buffer thresholds and the buyer coverage are all tuned to two audiences instead of spread across a catalogue. Seniors are who we know how to reach.
A lead is a record. A call is a conversation. High-intent inbound calls compress the whole top of your funnel into one event — the prospect self-identifies, clears a buffer, and reaches a licensed agent in a single motion. No dial list, no voicemail, no eight-touch cadence.
It also changes what you can measure. Because routing, recording and reporting live in one system, your acquisition cost is a number you read rather than reconstruct. That is the entire reason we built the dialer in-house and give it away with the calls.
Independent agencies, IMOs, call centres and captive teams across the United States, from a single closer taking ten calls a day to floors running thirty seats. If you are licensed, staffed during the hours you buy, and able to work a call the moment it lands, the model works.
An inbound call is a prospect dialling your number directly from an ad they engaged with. A live transfer is a prospect qualified by an agent first, then warm-transferred to you. Inbound premiums tend to run higher and persistency tends to hold better, because the prospect chose to call. Live transfers are simply easier to close, because someone has already handled the first objection. Neither is better across the board.
Average cost per acquisition runs around $130 on live transfers and around $150 on inbound calls. The inbound number is higher up front, but the premium written and the persistency on the back end usually make up the difference over the life of the book.
It depends on what you prefer. When you are first getting started, live transfers are easier to close, because the prospect has already been warmed up by another agent. Inbounds are easier to build a team around and easier to build a long-term book of business on, because the volume is predictable and the quality of the writing holds up as you add seats.
Yes. It is built in-house and included automatically with every call order. No seat fees, no licensing fees, no platform minimum and no separate software contract. It is provisioned before your first call routes and stays on for as long as you are buying calls.
Every call is generated from consented, branded traffic. The consent record, source URL, timestamp, disclosure audio and full recording are attached to the call inside the dialer, and duplicate and suppression checks run before a call reaches an agent. Compliance posture is your agency's responsibility, but the evidence you need is captured for you.
Yes. We buy compliant inbound insurance calls and live transfers in final expense and Medicare. Publishers get their own routing numbers, per-source reporting, published buffer thresholds and weekly payment terms. Email us with your verticals and current daily volume.
Every final expense call is transferred to one buyer. The call is not shared, resold or daisy-chained after it lands on your floor, and duplicate checks run against a rolling 14-day window before transfer.
Seniors aged 50 to 85, with the band tightened to your carrier appointments. Callers outside your accepted age range are filtered before the transfer fires rather than billed and disputed afterwards.
Most final expense desks are live within 72 hours. Routing numbers, agent seats and filters are provisioned in the free B&B Dialer on the same call where we map your states and caps.
Every Medicare call carries disclosure audio, consent record, source URL, timestamp and a full recording, stored against the call in the dialer. Compliance posture remains your agency's responsibility, but the evidence is captured for you rather than reconstructed later.
Yes. Eligibility type is screened at the source and routed separately, so AEP capacity is not spent on callers who cannot enrol yet.
Where callers state product intent we tag it and weight routing accordingly across Advantage, Supplement and Part D.
100% exclusive. Every final expense call is transferred to one buyer and is never shared, resold or daisy-chained after it lands on your floor. Duplicate checks run against a rolling 14-day window across the whole network before a transfer fires.
A live transfer is a prospect who has already been qualified by an agent and is then warm-transferred to your licensed producer while still on the phone. It differs from an inbound call, where the prospect dials your number directly from an ad. Both arrive live; the transfer has simply had its first objection handled already.
Buy calls rather than records. A shared final expense lead is dialled by several agencies within the hour, so contact rate collapses before your producer ever reaches it. Real-time inbound calls and live transfers remove the gap entirely, because the prospect is already on the line when your agent picks up.
We cover all 50 states, and routing only sends a call to an agent licensed where the caller lives. Unlicensed pairings never connect. Tell us the states you hold licences in and we will confirm current volume before you commit to a daily cap.
Every call is generated from consented, branded traffic. The consent record, source URL, timestamp, disclosure audio and full recording are attached to the call inside the B&B Dialer. Compliance posture remains your agency's responsibility, but the evidence you would need is captured for you rather than reconstructed later.
Most agencies are taking calls within 72 hours. Routing numbers, agent seats, filters and caps are provisioned in the free dialer on the same call where we map your states and staffed hours.