Live Transfer Leads
A warm, three-way hand-off from our call center rep directly to you — with the prospect already on the phone. 100% contact rate, every single transfer.
How a Live Transfer Warm Hand-Off Works
Prospect Reaches Out
A prospect responds to one of our compliant web forms or advertising campaigns and requests to be contacted about coverage.
Our Rep Calls First
Our in-house call center rep calls the prospect, confirms their interest, verifies their information, and scrubs them for DNC and litigator risk.
The 3-Way Hand-Off
The rep conferences you into the call. The prospect stays on the line while the rep personally introduces you as the licensed agent in their state.
You Take It From There
The rep drops off and you are live with an engaged, expecting prospect — no cold dialing, no voicemail, no chasing.
Why Live Transfers Out-Perform Every Other Lead Type
100% Contact Rate
The prospect is already on the phone when you join the call. There is no dialing, no gatekeepers, and no voicemail — every single transfer you receive is a live conversation.
Super High Close Rates
Because the prospect is warm, pre-qualified, and personally introduced, agents on our live transfers consistently report close rates far above traditional web leads — often several times higher.
Fully Compliant Warm Transfer
Every prospect has opted in through a compliant web form and is verified by our rep before the transfer. DNC scrubbing and litigator checks happen before your phone ever rings.
A True Warm Hand-Off
This isn't a blind transfer. Our rep stays on the line for the three-way introduction, tells the prospect who you are and why you're the right agent, and then exits the call smoothly.
Ready to Get Live Transfers Dropped Straight Into Your Day?
Tell us your licensed states, your hours of operation, and the lead types you write — our call center does the rest. When a verified prospect is ready, our rep calls you and completes the warm hand-off live.
Every Lead Type We Offer — Available as Live Transfers
Our in-house call center can run a live transfer program across every product line we generate. Choose the types you're licensed to sell, and we'll route those warm hand-offs to you in real time.
Final Expense Insurance
Seniors 50–85 actively seeking burial and final expense coverage. Small whole life policies with clear need and strong emotional motivation.
Also available as a live transfer: our rep verifies the prospect's interest in final expense insurance and conferences you in for the warm hand-off.
ACA Health Insurance
Individuals and families shopping for Affordable Care Act coverage during open enrollment or qualifying life events. Ready to compare plans and enroll.
Also available as a live transfer: our rep verifies the prospect's interest in aca health insurance and conferences you in for the warm hand-off.
Medicare Insurance
Medicare-eligible prospects turning 65 or reviewing their options — supplements, Advantage plans, and Part D during annual and open enrollment windows.
Also available as a live transfer: our rep verifies the prospect's interest in medicare insurance and conferences you in for the warm hand-off.
Auto Insurance
Drivers comparing rates and actively requesting quotes. High-volume intent leads perfect for agents writing personal lines auto coverage.
Also available as a live transfer: our rep verifies the prospect's interest in auto insurance and conferences you in for the warm hand-off.
Home Insurance
New homebuyers and homeowners reviewing coverage. Real-time quote requests from prospects who need a policy in place fast.
Also available as a live transfer: our rep verifies the prospect's interest in home insurance and conferences you in for the warm hand-off.
Mortgage Protection
New and existing homeowners interested in protecting their mortgage with life coverage — a natural add-on for any licensed life agent.
Also available as a live transfer: our rep verifies the prospect's interest in mortgage protection and conferences you in for the warm hand-off.
Cash Out Refinance
Homeowners exploring cash-out refinancing. Warm mortgage industry leads for licensed loan originators and referral partners.
Also available as a live transfer: our rep verifies the prospect's interest in cash out refinance and conferences you in for the warm hand-off.
Reverse Mortgage
Seniors 62+ researching reverse mortgage options. Verified, high-intent prospects for licensed reverse mortgage specialists.
Also available as a live transfer: our rep verifies the prospect's interest in reverse mortgage and conferences you in for the warm hand-off.
What Are Live Transfer Insurance Leads?
Live transfer insurance leads are the most direct, highest-converting form of lead available to a licensed agent. Instead of receiving a form submission to call later, you are conferenced directly into a live phone call with a prospect who has already been contacted, verified, and qualified by a professional call center rep. The rep acts as the bridge — a true three-way call between our rep, the prospect, and you.
This warm hand-off model eliminates the single biggest leak in every agent's pipeline: contact rate. Industry-wide, agents fail to reach the majority of the web leads they buy. With a live transfer, contact is guaranteed — the prospect is on the line, expecting to speak with a licensed agent, at the exact moment they expressed interest.
Why Contact Rate Is Everything in Lead Sales
You can have the best script and the best product in the world, but none of it matters if the prospect never picks up the phone. Studies of purchased lead performance consistently show that contact rates drop off a cliff within minutes of form submission — and that most agents never successfully reach a large share of the leads they pay for.
Live transfers flip that equation. Because our rep establishes the call first and brings you in, your contact rate is 100% by definition. Every minute you spend is spent actually talking to a prospect — not dialing into voicemail boxes, not leaving messages, not competing with three other agents who bought the same data.
How Warm Hand-Offs Drive Higher Close Rates
A warm hand-off changes the psychology of the conversation. When our rep introduces you by name and by license — "I'm going to connect you with John, a licensed agent in Texas who can walk you through your options right now" — the prospect enters the conversation with trust already established. They aren't suspicious of an unknown number, because they aren't receiving a call from an unknown number. They're already in a conversation they agreed to.
The result: more questions answered on the first call, more quotes delivered on the first call, and dramatically higher close rates than the same prospect contacted cold even an hour later. Our agents report that live transfers frequently close on the very first call, compressing a multi-day sales cycle into a single conversation.
All of Our Lead Types, One Compliant Pipeline
Live Quote Leads generates verified, opted-in leads across the full range of products agents write every day — final expense, ACA health insurance, Medicare, auto, home, mortgage protection, cash out refinance, and reverse mortgage. Whether you take them as traditional real-time leads with our 3-Minute Buffer guarantee, or as live transfer warm hand-offs, every lead flows through the same compliant pipeline: opt-in web forms, phone verification, DNC scrubbing, and litigator screening.
Not sure which format is right for you? Many agents run both — web-delivered leads to fill their calendar, and live transfers to fill their closings. You choose the lead types, the states, and the volume; we handle the prospecting, verification, and the hand-off.
Frequently Asked Questions About Live Transfer Leads
What exactly happens during the 3-way call?
Our rep calls the prospect, confirms their interest and information, then conferences you in and introduces you as the licensed agent for their state and product. Once you take over, the rep drops off the call and you continue the conversation one-on-one.
Is the contact rate really 100%?
Yes. You are only conferenced into calls where the prospect is already live on the phone with our rep. You never dial a live transfer — you only ever join an active conversation, so every transfer is a contact.
Are live transfers TCPA compliant?
Every prospect opts in through our compliant web forms and is verified by a live rep before any transfer. We scrub against national and state DNC lists and known TCPA litigator databases before the call ever reaches you.
Which lead types can be delivered as live transfers?
All of them. Final expense, ACA, Medicare, auto, home, mortgage protection, cash out refinance, and reverse mortgage leads can all be delivered as warm hand-offs by our call center rep.
Do I need to be available at specific hours?
You set your hours of operation and your states. Transfers are only routed to you during the hours you choose, in the states you're licensed in — no surprises, no off-hours calls.