Life insurance lead list calculator
For life insurance agents and agencies that dial web form, mortgage protection and aged leads: estimate how much of a list is reachable, and what the dead numbers cost your team on every campaign. Every rate is editable; nothing is stored.
Why life insurance lead lists go bad
- Aged leads sit for months before they are resold, while people change numbers or drop a line.
- Web form and Facebook leads can carry a fake or mistyped number from someone who never meant to be called.
- Mortgage protection leads often come from mailed reply cards, where a handwritten number can be misread or keyed in wrong.
- Purchased or shared lead lists can include numbers that were already dead when you received them.
How to get your real numbers
- Pull a random sample of 500 to 1,000 numbers from your web form, mortgage protection or aged 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 source (web forms, mortgage protection leads, aged leads) to see which one holds the most bad numbers.
Read about phone list cleaning, check allowed hours with the calling hours checker, remove repeats with the duplicate lead remover, or check single numbers with the carrier lookup.
Start 3-day free trialQuestions
Are the default rates typical for life insurance 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 a lead file from my vendor 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 from a life insurance lead list?
Not for calls. A home landline can be the right number to reach someone by phone, so do not delete it just for being a landline. Standard landlines cannot receive SMS, so they should come out of a text send.
Do aged life insurance 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 marketing is also regulated by each state. 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.