IUL lead list calculator
For life insurance agents and agencies that dial indexed universal life (IUL) leads from social ad forms, web forms, referrals and aged files: estimate how much of a list is reachable, and what the dead numbers cost you on every campaign. Every rate is editable; nothing is stored.
Why IUL lead lists go bad
- Social ad lead forms can pre-fill the phone number saved on the person's profile, which may be an old number they no longer use.
- Web forms can carry a mistyped or made-up number, and nothing checks it before the lead is sold.
- An IUL sale often takes several conversations, so a lead may be worked for weeks or months, and the number has time to be disconnected or handed to someone else.
- Aged and shared leads are sold more than once, so a wrong number costs every buyer a dial and nobody catches it for you.
- A list can mix cell phones, landlines and VoIP numbers, and a text send to a landline is paid for and never arrives.
How to get your real numbers
- Pull a random sample of 500 to 1,000 numbers from your IUL lead file.
- Validate it against live carrier data with TrueSearch for Business.
- Enter the dead, landline and VoIP percentages you get back above.
- Repeat per lead source (social ad form, web form, referral, aged) to see which one holds the most bad numbers.
Read about phone list cleaning, see the life insurance lead list calculator and the annuity lead list calculator, or check single numbers with the carrier lookup.
Start 3-day free trialQuestions
Are the default rates typical for IUL leads?
No. They are editable placeholders, not industry statistics. Bad-number rates depend on the lead source and how old the leads are. Validate a sample of your own list and enter what you find.
Can I clean an IUL lead file from my vendor, IMO or CRM?
Yes, if it is a CSV or Excel file. Upload it to TrueSearch for Business and download it back with each number marked valid or dead, with its line type (mobile, landline, VoIP or toll-free) and carrier.
Should I remove landlines and VoIP numbers from an IUL lead list?
Not automatically. A landline can still be the right number for a phone call, but standard landlines cannot receive SMS, so they should come out of a text send. VoIP numbers can be real people or throwaway app numbers, so decide per campaign. The line type column lets you split the list by channel instead of deleting rows.
Do aged IUL leads have more dead numbers than fresh ones?
Usually. Numbers change over time, so a lead that is a year old is more likely to have a disconnected number than one from last week. Validating a sample of each batch shows how much of it is still reachable before you pay for dials.
Does a valid result mean I am allowed to call or text the lead?
No. Validation checks the phone number, not consent or permission to contact. Calls and texts to leads are covered by federal and state telemarketing rules, including the TCPA, and insurance sales carry their own state rules. Confirm your program with counsel and your carrier or agency compliance team.
Does this check consent or Do Not Call lists?
No. The calculator only estimates reachability, and a validation check covers validity, line type and carrier. It does not verify consent or check a number against Do Not Call or litigator lists. Keep your own opt-out records and use the official National Do Not Call Registry (donotcall.gov) where it applies.
This guide is general information, not legal advice. TrueSearch for Business checks validity, line type and carrier from licensed telecom data. It does not check the National Do Not Call Registry, state DNC lists or the FCC Reassigned Numbers Database. Not a consumer reporting agency; not for FCRA purposes.