7 Things Captive Agents Should Check Before Buying Final Expense Leads

← Final expense lead buying guides

For captive and career agents

Before using your own money on outside leads, establish what your agency allows and which opportunities your product lineup can serve. This checklist also helps career agents discuss a proposed purchase with their manager.

  1. Confirm outside-lead purchasing rules

    Ask your manager whether you may use the vendor and lead source. Get the required approval before submitting an order or uploading data.

  2. Check the fit with your product lineup

    A final expense inquiry is useful only if you have an appropriate product and authority to offer it. Avoid treating general life insurance interest as a guaranteed match.

  3. Understand lead and client ownership

    Review who owns purchased records, where they must be stored and what happens if your agency relationship changes. Do not infer ownership from who paid the invoice.

  4. Use approved introductions and materials

    Ask which scripts, emails and appointment messages you may use. Keep the provider’s original consumer-facing promise consistent with what you can actually offer.

  5. Confirm permitted tools and contact methods

    Use the CRM, phone system and follow-up channels your agency approves. Ask how consent records and opt-outs must be retained and shared.

  6. Check reimbursement before spending

    Clarify whether the agency contributes and which receipts or vendor approvals are required. Budget on confirmed reimbursement terms rather than an informal expectation.

  7. Review results with the same definitions

    Agree on what counts as a conversation, application and placed policy. Bring a source-level report to the next review so the decision to reorder rests on evidence.

Considering Mothership?

Mothership currently advertises 50 life insurance live transfers for $2,499. If you sell final expense, confirm that the available audience, states and delivery setup fit your practice before ordering. The general life insurance offer is not a promise of final-expense-only inquiries or guaranteed sales.

Review the Mothership package →

Keep learning

Official background resources: FTC telemarketing guidance and NAIC agent guidance. Have your agency determine which requirements apply to your activities.