Reach consumers who previously requested quotes for auto, home, health, or life insurance products.
Average cost: $0.25 – $2.00 per lead
Aged insurance leads are consumer data records from people who previously filled out an online quote request or information form for insurance products — typically 30 to 180 days ago. These consumers actively sought coverage for auto, home, life, health, or other insurance lines by providing their personal and coverage information. Because these leads are not being sold in real-time, they cost a fraction of fresh leads — allowing agents to fill their pipeline with hundreds or thousands of prospects for the price of a handful of real-time leads.
The insurance industry is one of the most competitive for lead generation. Real-time insurance leads cost $15-$50+ per record, and by the time you call, 5-10 other agents have already reached out. Aged insurance leads eliminate this competition entirely. For $0.25-$2 per lead, you get access to consumers who genuinely needed insurance coverage. Many of these people are still uninsured, underinsured, or unhappy with their current policy. Life events like marriages, home purchases, and health changes keep insurance needs active long after the original inquiry.
$15–$50 per lead
$0.25–$2.00 per lead
Save 85-95% per lead
See which providers offer the best aged insurance leads — with independent ratings and fair market pricing from $0.25 – $2.00 per lead.
Success with aged insurance leads comes down to volume and consistency. Import your leads into a CRM, segment by insurance type and geography, and work through them systematically. Plan for 5-7 contact attempts per lead across multiple channels. Start with a phone call, follow up with email, and use direct mail for high-value lines like life insurance. Focus on being helpful — ask about their current coverage situation rather than pitching immediately. Cross-selling is a major opportunity: someone who requested auto insurance may also need home or life coverage.
"Hi [Name], this is [Your Name] with [Agency]. You had looked into [insurance type] coverage a while back — I wanted to check in and see if you found a policy you're happy with, or if you're still comparing options?"
Aged insurance leads are available across all major lines: auto insurance, home insurance, life insurance, health insurance, renters insurance, and commercial insurance. You can typically filter by insurance type, geography, and lead age.
Aged insurance leads range from $0.25 to $2.00 per record depending on insurance type, lead age, and geographic targeting. This is 85-95% less than real-time insurance leads.
Consult your compliance team before using any automated dialing system with aged leads. Since these consumers haven't given specific consent for your agency to contact them, manual dialing is the safest approach. Your compliance and legal team can advise on the appropriate technology for your situation.
The highest-converting approach is a multi-channel cadence: personal phone call with a helpful script, followed by a plain-text email, then a direct mail piece. Focus on identifying current coverage gaps rather than hard-selling a policy. Cross-selling across insurance lines is a major revenue opportunity.
Aged insurance leads are typically 30-180 days old, with some providers offering leads up to 360 days old. Fresher aged leads (30-60 days) generally have higher contact and conversion rates, while older leads cost less per record.
Weekly strategies, scripts, and insights for working aged insurance leads. Free, no spam.
This fictional scenario illustrates how a solo insurance agent could go from barely breaking even on real-time leads to closing 47 policies in 90 days using aged leads. The numbers and systems are based on realistic industry benchmarks — not a real person's experience — designed to show what's achievable with the right approach.
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View playbook →Compare providers, check fair market pricing, and calculate your ROI — all with our free tools.
Affiliate Disclosure: Some providers in our directory are affiliate partners. We may earn a commission when you visit them through our links. This never affects our ratings or recommendations. See our methodology