Premium IUL Leads That Actually Convert Into Appointments

Why Hundreds of Agents Trust Us for Their IUL Lead Generation

We got into the IUL lead space because we were tired of seeing agents get burned by low-quality data that wasted their time and money. Too many lead vendors are just aggregators who buy lists cheap and resell them without any real understanding of what makes a good IUL prospect. Here's what's different about working with us.

We Actually Understand IUL

This isn't a side business for us or one vertical among dozens. We focus on indexed universal life leads because we know the product, we know the sales process, and we know what agents need to close business.

When you call our support team, you're talking to people who understand the difference between a 1035 exchange and a MEC, not a script-reading call center operator. We've worked with agents selling IUL at every experience level, from brand new agents figuring out their first illustration to top producers doing $5M+ in annual premium. That perspective helps us generate better leads and give you better advice on how to work them.

Lead Data That Actually Makes Sense

Every lead you receive includes the information you actually need to qualify and contact the prospect effectively. That means complete contact details—first name, last name, phone number, email address, mailing address. We also provide the demographic data that helps you prioritize who to call first: age, income level, requested coverage amount, and when they submitted their inquiry.

You're not getting a spreadsheet full of first names and disconnected numbers. These are workable leads with enough context for you to have an intelligent conversation. We validate phone numbers before delivery, verify emails to catch obvious bounces, and scrub against the National Do Not Call Registry so you're not dealing with compliance headaches.

Transparent Lead Sourcing

Our leads come from people who actively sought out information about indexed universal life insurance. They visited websites, filled out forms, and opted in to be contacted by insurance professionals. We're not scraping LinkedIn or buying data from questionable brokers.

Everything we provide is TCPA compliant, and we can walk you through exactly how each lead was generated if you want that level of detail. You'll know what IUL-related content they engaged with, what keywords they searched, and what specific benefits they expressed interest in (retirement income, college funding, estate planning, etc.). This context helps you personalize your outreach instead of using the same generic pitch for everyone.

Lead Quality Standards We Actually Enforce

We have internal quality benchmarks that every lead batch must meet before delivery. If a lead source starts degrading—phone disconnects spike, contact rates drop, or agents report prospects who claim they never inquired—we pull that source immediately and don't deliver those leads.

This matters because most lead aggregators will keep selling garbage data as long as someone keeps buying it. They don't care about your success—they just want to move inventory. We track quality metrics by source, by demographic filter, and by time period so we can identify problems before they affect your pipeline.

If you do encounter data quality issues, we have a clear replacement policy. Bad phone numbers, wrong contact info, leads that don't match your targeting filters—we'll replace those or credit your account. We don't make you jump through hoops or argue about what constitutes a "bad lead." If it's legitimately unusable, we fix it.

Support That Actually Helps You Succeed

When you run into issues—and you will, because that's the nature of working leads—you need someone who answers the phone and solves problems. We don't hide behind ticket systems or make you wait three days for a response.

You'll have direct access to account support who can troubleshoot delivery issues, answer questions about specific leads, or help you adjust your targeting criteria. Need to pause deliveries while you're on vacation? Done. Want to shift your geographic focus to a different state? No problem. Want advice on whether real-time or aged leads make more sense for your operation? We'll walk you through the pros and cons based on what we've seen work for agents similar to you.

We also provide resources on how to actually work IUL leads effectively—sample scripts, email templates, CRM setup recommendations, follow-up sequence frameworks. Buying leads is the easy part. Converting them is where most agents struggle, especially with IUL where the sales cycle is longer. We want you to succeed because your success means you keep buying leads from us. It's that simple.

How to Turn IUL Leads Into Appointments and Policies (The Part Most Lead Vendors Won't Tell You)

Buying leads is the easy part. Turning them into appointments and policies is where most agents struggle, especially with IUL where the sales cycle is longer and the education requirement is higher. Let me share what actually works after watching hundreds of agents navigate this process.

IUL Prospects Need Multiple Touchpoints

If you're used to selling term life or final expense where you can close on the first appointment, IUL is going to feel slow. These prospects aren't making a quick decision. They're comparing IUL to whole life, to maxing out their 401k, to opening a brokerage account. You're selling a concept as much as a product.

Plan for multiple conversations. Your first call isn't about closing—it's about establishing credibility and diagnosing their situation. Are they looking for tax-free retirement income? College funding? Estate planning? You need to know their actual goal before you can position IUL as the solution.

Follow-up is everything. Most agents call once, maybe twice, and then move on. That's leaving money on the table. A good IUL lead deserves 8-10 contact attempts over 30-45 days—calls, emails, texts, whatever channels they're responsive to. The agents closing 20+ IUL policies a year aren't smarter than everyone else. They just have better follow-up systems.

Your CRM Setup Matters More Than You Think

You can't work IUL leads effectively out of a spreadsheet. You need a real CRM that lets you:

• Tag leads with their primary financial goal so you remember what they care about
• Set automated follow-up tasks so nobody falls through the cracks
• Track conversation notes so you remember what you discussed last time
• Score leads based on engagement to prioritize who's closest to closing
• Run email drip campaigns for prospects who aren't ready to talk yet

Some agents use HubSpot, some use Zoho, some use insurance-specific platforms like AgencyBloc or Wealthbox. The specific tool doesn't matter as much as actually using it consistently. The difference between agents who close 5 IUL policies a year and agents who close 25 is usually just systematic follow-up.

The Education-First Approach Wins

Here's where most agents blow it: they jump straight into product features and premium quotes without first establishing why the prospect should care about IUL in the first place.

Start with the problem. If they're concerned about taxes in retirement, talk about how traditional 401k withdrawals get taxed at ordinary income rates and how that affects their actual spending power. If they're worried about market risk, discuss the volatility they've experienced in their brokerage account and whether they can stomach another 2008-style crash.

Once they understand the problem clearly, IUL becomes the logical solution. You're not selling insurance—you're offering a strategy that addresses their specific concern. This reframe makes all the difference in how receptive they are to your recommendations.

Email sequences work incredibly well for this education process. When a lead isn't ready to talk yet, enroll them in a 5-7 email series that educates them on IUL concepts: how cash value accumulation works, the difference between IUL and whole life, how to access funds tax-free in retirement, common misconceptions about IUL. By the time they're ready for a conversation, they're already pre-sold on the concept.

Handle the Skepticism Head-On

IUL has gotten some bad press, mostly from people who don't understand it or from poorly-designed policies sold by agents who were just chasing commissions. Your prospects have probably heard the criticism: "It's too expensive," "The returns are terrible," "It's just a way for insurance companies to make money."

Don't dodge this stuff. Address it directly. Acknowledge that not every IUL policy is designed well, and that's exactly why they need to work with someone who knows how to structure it properly. Show them illustrations with reasonable cap rates and realistic projections, not the aggressive scenarios that set false expectations.

The agents who close the most IUL business are the ones who come across as consultants, not salespeople. They're willing to tell a prospect when IUL isn't the right fit. That honesty builds trust, and trust is what closes high-premium policies.