For insurance agents

How to get insurance leads

Insurance leads are people who asked to be contacted about coverage, or showed clear intent to shop for it. Agents grow their book through five channels that differ in cost, intent quality, and exclusivity. This guide covers all five honestly, including the one we run.

Illustration of an insurance agent whose tablet receives quote requests flowing in from five different channels

The five channels

1.Referrals and centers of influence

Past clients, family offices you serve, CPAs, and real estate professionals who know your work. Highest close rates of any channel and free, but slow to compound: it grows with your book, not ahead of it. One legal note: referral compensation is restricted. Most states limit paying unlicensed people for insurance referrals, and RESPA Section 8 restricts anything of value for settlement-service referrals in real estate transactions. Thank-yous are fine; pay-per-deal arrangements usually are not.

2.Community presence

Local events, business groups, sponsorships, and simply being findable where you live. Slow, durable, and unmeasurable in the short term. Works best for agents committed to one area for years.

3.Your own marketing

A findable profile, a Google Business listing, reviews from real clients, and content that answers the questions people in your lines actually search. Costs time before it costs money. The compounding channel: everything you publish keeps working after you stop paying attention to it.

4.Purchased leads

Lists and real-time transfers from lead vendors. Fast to start and easy to scale spend, with the widest quality range of any channel. The questions in the FAQ below are the filter: exclusivity, age, consent, and refunds. Expect to work purchased leads immediately; intent decays by the hour.

5.Marketplaces and referral platforms

Platforms where consumers request quotes and agents respond. The useful test: does the consumer opt in and choose, or is their contact information sold? Opt-in request models mean the prospect expects your quote; resold-contact models mean you are one of several strangers calling. Ask which one you are buying before comparing prices.

Where PolicyVera fits

Opt-in quote requests, and the client picks

PolicyVera is a marketplace in the opt-in model: clients create a profile once and send quote requests to agents matched by license states, lines of business, and proximity, or to agents they pick from the public directory. You quote inside the platform, the client compares and chooses, and once a client accepts your quote you can call, text, or email them directly. Requests come from three sources: auto-matched clients, the public agent directory, and lender and realtor referrals. Pricing is a monthly membership plus a per-quote referral fee, with your exact pricing shown at billing setup.

Common questions

Are purchased insurance leads exclusive?

It depends on the vendor and the product tier. Some leads are sold to one agent, many are sold to several at once. Before you buy, ask: how many agents receive this lead, how old is it, how was consent collected, and what is the refund policy for bad contact data.

What makes an insurance lead qualified?

Intent and fit. A qualified lead asked for quotes recently, matches lines you write and states you are licensed in, and expects to be contacted. Volume without those three things mostly produces dials, not policies.

How is PolicyVera different from buying leads?

PolicyVera is not a lead list. Clients create a profile and send quote requests to agents they choose or that match their state and lines; you quote inside the platform, and the client picks. You get direct contact once a client accepts your quote. Pricing is a monthly membership plus a per-quote referral fee, shown exactly at billing setup.

Do I need a license before working leads?

Yes. You need an active license in the prospect's state for the line you are quoting. Marketing rules also apply to outreach: telemarketing and texting are regulated, so confirm the consent basis for any list you contact.

Ready for opt-in quote requests?

Clients send requests, you quote, and the client picks. Direct contact when they accept.