Insurance leads FAQ — buying & selling in the USA

An insurance lead is the verified contact request of a real consumer who actively asked for a quote or consultation — for example for private health coverage, disability income insurance, life insurance, or property & casualty. Each lead contains the data shown in the listing, typically name, phone number and email address.

Create a free account, browse the open marketplace, filter by line of business, ZIP code or price, and buy the lead you want with one click. The full contact data is unlocked in your account immediately after payment — usually within seconds.

No. OG-Leads.us works strictly pay-per-lead. There is no subscription, no monthly minimum and no contract term. You buy exactly the leads you want, when you want them.

Every listing shows the exact data fields before you buy — typically name, phone, email, and depending on the lead also address, date of birth, occupation or ZIP code. There are no surprises: what you see in the listing is what you get.

Instantly. Right after successful payment, the full contact data appears in your account dashboard and is also sent to you by email. In practice this takes only a few seconds.

Yes. Single-lead purchases are the core idea of the marketplace. You can also buy discounted bundles when a seller offers one — for example 10 disability income leads at a reduced per-lead price.

Leads marked “★ Sold only once” are exclusive: after your purchase the lead is removed from the marketplace and will never be offered to another agent. You are the only one who receives this prospect's data.

Every seller states the exclusivity directly in the listing. Exclusive leads are sold exactly once; shared leads may be sold to a small number of agents. You always see before buying which type you are getting.

Most listings show an age of “just now” to a few hours. The marketplace is built for real-time requests: sellers publish leads as they come in, and buyers typically contact the prospect the same day.

Sellers receive star ratings from 1 to 5, calculated from lead quality, close rate feedback and the number of complaints. Sellers with little sales history carry the “New” label until enough ratings exist. Sellers we have personally audited carry the “Verified” label.

Buyer protection is included on every purchase. If a phone number or email turns out to be invalid, you can report the lead and receive a credit or refund according to our terms and conditions.

Two types of sellers: Agencies generate requests commercially through their own campaigns (e.g. Meta ads, landing pages), and Brokers pass on their own overflow requests they cannot serve themselves. The seller type is shown on every lead card.

Sellers set their own prices. Typical ranges: disability income leads from $27 net shared and $59–$129 net exclusive, private health leads from $49 net shared and $89–$189 net exclusive, legal protection from $16 net, and solar leads from $37 net. High-value exclusive requests can go up to $189 net.

No buyer-side fees. You pay the listed net price plus applicable sales tax — nothing else. Sellers pay a platform fee per successful sale as set out in the terms.

Common payment methods are available at checkout. The invoice including tax is created automatically for every purchase and stored in your account for download.

Yes. Bundles — for example 10 disability income leads — are priced below the sum of individual purchases. A recent bundle worked out to $16.00 per lead instead of $26.99. Bundle listings are clearly marked in the marketplace.

Yes. Every purchase generates a proper invoice with all legally required details, automatically available in your account.

Yes. All leads are generated from consumers who actively submitted a request and consented to being contacted about the stated product. Sellers must document the consent, and audited sellers carry the “Verified” label.

Leads are sold with documented consumer consent to contact, which is the foundation of TCPA-compliant outreach. As the buyer you remain responsible for honoring opt-outs, call time restrictions and Do-Not-Call rules once you contact the prospect.

As fast as possible — ideally within minutes, at most within 24 hours. Studies consistently show that contacting a lead within the first hour multiplies conversion rates compared to next-day outreach.

No. Purchased leads are licensed to you for your own sales activities. Reselling or passing the data to third parties is prohibited and violates the terms and conditions.

Create a seller account, list your requests with line, data fields, price and exclusivity, and get paid when a buyer purchases. There is no base fee — only a platform fee per successful sale as set out in the terms.

Agencies that generate consumer requests commercially and licensed brokers who want to pass on overflow requests. Sellers who pass our audit of their lead sources receive the “Verified” label.

Proceeds from successful sales are credited to your seller account and paid out according to the payout schedule in the terms. The invoice including tax is created automatically.

Complete data fields (name, phone, email, plus occupation or ZIP where relevant), a clear product note, honest exclusivity labeling, and competitive net pricing. High-rated and verified sellers sell significantly faster.

Coast to coast — all 50 states. The marketplace is especially active for Texas, California, Florida, New York, Illinois, Georgia and Arizona, and you can filter leads by ZIP code prefix to target your exact territory.

The core lines are Private Health, Disability Income, Life & Retirement and Property & Casualty. You will also regularly find legal protection, solar (PV), final expense, homeowners, real estate and loan leads.

Private health leads are consumers looking for health coverage quotes — often self-employed professionals or physicians. Disability income (DI) leads are workers seeking income protection; listings frequently include the occupation, which is the key pricing factor for DI policies.

Yes — that is exactly who the marketplace is built for. Pay-per-lead with no subscription lets independent brokers, small agencies and financial advisors compete for the same fresh requests as large organizations.