Shared vs. Exclusive Leads

One of the first things to consider when searching for an insurance lead company is the type of lead you want to buy, Shared or Exclusive.

Shared Leads

Most internet lead companies offered shared leads meaning they sell them to more than one agent.  Companies are able to generate more income per lead selling them on a shared basis which explains why it is the most popular model.  With most of the more reputable and larger services an agent can expect any given lead to be sold to 2-8 agents depending how the location and lead type.  The competition is obviously much higher with shared leads but at the same time most lead companies do offer carrier exclusivity which means you shouldn’t be competing with other agents from the same company if you are captive.  Shared leads average around $5-15 per lead depending on the line and can go up from there if you opt to add custom filter options or limit competition levels.

Exclusive Leads

Exclusive leads are tougher to find and are often available with smaller lead companies that don’t have the large volume to sell shared leads.  They take away the competition factor that you have with shared leads but that comes with a price.  Depending on the service and type of insurance exclusive leads can cost from $15 to $50 or more per lead.  Exclusive leads are often generated in different ways than a typical shared lead including telemarketing and direct mail.  One of the more popular types of exclusive insurance lead is the live transfer lead.  Live transfer leads are normally generated via telemarketing and are transferred via phone directly to the agent.  One important note about exclusive leads is that they are exclusive to the lead provider, not the consumer.  The consumer that generated your exclusive lead could have called 5 other agents or submitted for another quote before going through your exclusive lead source.

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