On Point. Leads
We generate high-intent internet leads for life insurance agents and pass them to you as close to cost as possible. A modest $2 admin fee per lead keeps the lights on so we can keep serving agents — not padding margins. One-time $150 setup fee on your first order. Honest, affordable lead generation built to help you grow.
Weekly subscription service. Billing is calculated each week using the current cost-per-lead plus admin fees, and your card is charged automatically every Friday until you cancel.
3
Lead Types
$2
Admin Fee / Lead
$150
One-Time Setup
100%
Transparent
General Life Leads
Broad market, high volume
Final Expense Leads
Targeted senior market
Final Expense Spanish
Spanish-speaking market
Choose Your Lead Type
All leads are internet-generated from real consumers actively searching for coverage.
Broad Market Coverage
General Life Leads
Internet-generated leads from consumers actively searching for life insurance coverage. These leads cover a wide range of ages, income levels, and coverage needs.
- Targets younger clients
- Term & whole life interest
- Real-time delivery
- Verified contact info
- High intent consumers
Senior Market Focus
Final Expense Leads
Targeted leads from seniors actively looking for final expense or burial insurance. These prospects are pre-qualified and ready to have a conversation about coverage.
- Ages 50–85
- Burial/funeral coverage
- Real-time delivery
- Pre-qualified prospects
- High conversion potential
Hispanic Market
Final Expense — Spanish
Final expense leads generated in Spanish, reaching the growing Hispanic senior market. Perfect for bilingual agents looking to serve an underserved community.
- Spanish-language forms
- Hispanic senior market
- Real-time delivery
- Bilingual-ready data
- Growing demand segment
Short & Long Term
Disability Insurance Leads
Leads from consumers actively seeking short-term and long-term disability insurance coverage. Reach working professionals looking to protect their income.
- Short & long term interest
- Working professionals
- Real-time delivery
- Income protection focus
- High intent consumers
Transparent, At-Cost Pricing
No hidden fees. No contracts. You pay what it costs us to generate the lead, plus a flat $2 admin fee. A one-time $150 setup fee applies on your first order.
How Our Pricing Works
We believe in full transparency — you see exactly what each lead costs to generate.
Generation Cost
Live rates above
Admin Fee
$2 per lead (charged on every lead)
Setup Fee
$150 one-time (first order only — covers campaign setup & CRM integration)
Weekly Subscription Billing
This is a weekly subscription service. Your estimated cost is based on the current cost-per-lead (CPL) shown above. Each Friday, your card is automatically charged based on the CPL at that time plus the per-lead admin fee — so your weekly total may go up or down as ad costs change. You can adjust or cancel anytime from your account.
Why at-cost?
We're not a lead vendor — we're your lead generation partner. We pass leads at our actual advertising cost so you get the best possible ROI.
What determines generation cost?
It depends on the lead type, targeting, and current advertising market conditions. Prices shown above are updated live to reflect current Meta ad costs.
How does weekly billing work?
This is a subscription service. Each Friday, your card is automatically charged based on that week's current cost-per-lead plus the $2/lead admin fee. Since CPL fluctuates with ad market conditions, your weekly total may change. You can adjust your budget or cancel anytime from your account.
Is there an agreement?
Yes — agents sign a simple service agreement before going live. This covers our commitment to deliver leads at the lowest possible cost by absorbing overhead for staff, ad management, and ongoing optimization. It protects both parties and ensures accountability.
How It Works
Getting started is easy. From request to receiving leads in as little as 48 hours.
Submit a Request
Fill out our simple onboarding form with your info, preferred lead type, and weekly volume.
Get Approved
We review your request and set up your account. We'll discuss exact pricing and delivery details.
Receive Leads
Fresh, real-time internet leads delivered directly to you — as they come in.
Scale Up
Adjust your volume anytime. No contracts, no minimums. Grow at your own pace.
Billed Weekly
This is a subscription service — your card is charged automatically every Friday based on the current cost-per-lead plus admin fees. Cancel anytime.
Introducing the Agent Profit Sharing Lead System
The first-of-its-kind mutually funded lead compensation model — designed to turn your aged leads into ongoing passive income, while helping newer agents get started affordably.
Currently in Beta — Exclusive to The Point Agency
This program is currently available exclusively to agents within The Point Group, The Point Mutual, and The Point Fortitude. It is an in-house offer while we finalize our tracking and crediting infrastructure. Once our systems are fully built out, this program will be opened to all agency groups.
The Core Idea
Turn aged leads into passive income — set it once, and your old leads start working for you on autopilot.
If you're consistently purchasing leads, at some point your focus shifts — you're working the fresh stuff, getting your ROI, and buying more. But what about the aged leads sitting in your CRM? Instead of letting them go to waste, the Profit Sharing Lead System lets you opt in to share them after 30 days. You set it once, and your old leads start working for you on autopilot.
Buy Leads & Select Shareable
When purchasing leads, opt into the Shareable Lead program. After 30 days, eligible old leads enter the shared pool — fully marked with your permanent agent tag.
Agents Buy Aged Leads at Flat Tiered Rates
Buying agents purchase aged leads directly from On Point Leads at simple flat rates based on lead age — not from the original agent. Pricing: 1-2 months old — $1.50, 2-4 months old — $1.00, 4+ months old — $0.75. Your permanent tag stays on every lead throughout its lifetime.
They Sell — You Earn 30%
When a buying agent writes a policy on your lead, they see your agent number in The Point Tracker app and split you in at 30% on the application. Passive income on leads you've already moved on from.
Everyone Wins
New agents get affordable leads. Original agents earn passive recoup. On Point Leads gains funding to grow ad budgets, hire staff, and generate better leads for everyone.
A True Win-Win-Win
Original Agent
Earn 30% passive splits on aged leads you've already moved on from. Your permanent tag follows every lead — you get credited automatically through The Point Tracker app.
Buying Agent
Purchase aged leads directly from On Point Leads at simple flat rates based on lead age: 1-2 months old — $1.50, 2-4 months old — $1.00, 4+ months old — $0.75. An affordable way to build your book of business — with a clear split obligation of 30% to the original lead owner when you close a sale.
On Point Leads
Revenue from aged lead sales funds improved ad budgets, better marketing, and dedicated staff — which means higher-quality fresh leads for everyone.
Aged Leads Like You've Never Seen Before
Not every prospect is ready to buy the first time you call. In fact, around half of all leads sold come from prospects who were generated 1–4 months ago. The leads that didn't convert the first time around aren't dead — they're just ripening.
~50%
of all leads sold
come from leads generated 1–4 months ago
3–5x
touchpoints
it often takes before a prospect is ready to buy
Rich
data-first
every lead comes with full contact info already verified
The Lead Lifecycle
A lead's journey from first contact to conversion isn't always instant. Here's what the data tells us:
Initial contact made. Prospect is researching.
Prospect is comparing options and agents.
Decision window opens. Prospect is warming up.
Ready to engage. Many are now ready to buy.
Time Works in Your Favor
Many leads were generated just 1–4 months ago. The prospect has had time to think, compare options, and is now closer to a buying decision than when the lead was first created.
Already Been Worked — That's the Point
These leads were originally contacted by an agent. The ones still available didn't convert the first time — not because they aren't interested, but because timing wasn't right. Now it might be.
The Real Value Is the Data
You're not buying a cold name. You're getting verified contact information, original lead source data, and demographic details — everything you need to re-engage with context.
