Best insurance live transfer companies, matched to the line you sell

How did we choose these live transfer companies?

In most insurance live transfers, a screener speaks with the consumer first, confirms interest and a few basic facts, then connects that person to you while they are still on the line. The best live transfer company for you is the one that sells transfers in your line of insurance, says plainly whether each transfer goes to one agent, and tells you what makes a transfer billable before you pay. We reviewed companies that sell transfers to agents and publish their own terms online, then grouped them by line instead of naming one winner, because a seller built for auto and home agents in carrier programs is a poor fit for a Final Expense phone floor. Every fact below comes from the company's own website as checked on November 2, 2026. Where a company does not publish a price, we say so and do not guess at one.

• Line fit: the lines each company names on its own agent pages, from auto and home to health, Medicare and Final Expense.
• Exclusivity: whether the site says a transfer goes to one agent, and in what words.
• Billing rule: the connected time, buffer or condition that makes a transfer billable, when it is published.
• Price visibility: a printed rate card, a bid you set yourself, or a quote from sales.
• Controls: states, schedules, caps and a way to pause when nobody can answer.
• Credits: what the company replaces or credits, and what it treats as final.

We left out third-party opinions, forum threads and any figures a company reports about its own size. If you want the mechanics first, read warm transfer vs cold transfer vs direct inbound before you compare sellers.

How do the live transfer companies compare at a glance?

Most companies on this list do not publish transfer prices, so send each one the same written questions and compare the answers side by side. The checklist at the end of this page gives you those questions.

Which live transfer companies fit auto and home agents?

Three companies here sell auto and home transfers. Each one says a person confirms the shopper's interest by phone before connecting, and none prints a per-transfer price.

SmartFinancial and Contactability: for P&C and life agencies that want caps

SmartFinancial sells real-time prospect data and live transfers across auto, home, health, life, commercial and group health. Its live transfer page says a call center verifies intent and then transfers the caller to your office line or cell phone, and that each transfer is sent to only one agent. Controls cover geography, filters, quantity, delivery method, daily limits and concurrency caps, and its dashboard tracks cost per quote and cost per bind.

Pricing is not published; you ask for it through a 'Check Volume & Get Pricing' request, and SmartFinancial states there are no required minimums or contracts. Contactability, a call brand whose terms name SmartFinancial.com as the contracting party, lets you set your own bid and says you only pay for calls over 90 seconds. Its terms call for a non-refundable deposit in an amount the company sets, re-bill your card when the balance reaches $50 or less, and charge $25 per failed charge or chargeback. SmartFinancial's published return policy is written as a lead return policy and mentions calls only in its exclusions, so get transfer credit terms in writing.

ZipQuote: for personal lines agents who want exclusive transfers

ZipQuote sells internally generated internet leads and live call transfers for auto and home only. Its transfer page says a concierge team confirms interest in a live conversation before passing the shopper to your phone, and it describes the transfers as 100% exclusive. You control the timing and frequency of delivery, set caps, and connect it to common lead management tools.

Prices depend on your volume and requirements and come from sales; its FAQ mentions $50 for new sign-ups. The published return policy accepts requests within 7 calendar days of delivery and pays approved returns as account credits, processed weekly. ZipQuote's agent pages cover no life, health or Medicare product, so it only fits a personal lines book.

QuoteWizard: for agents already buying QuoteWizard leads

QuoteWizard, owned by LendingTree, sells internet leads across auto, home, renters, life, health and Medicare, plus live transfers it calls WizardCalls. The transfer page describes a US-based call center that verifies intent, a filter package and territory you choose, a daily availability schedule, and daily call and concurrency caps. If you miss a transfer, QuoteWizard notifies you with the consumer's information.

That page is written for home and auto, calls WizardCalls an exclusive lead product, and states no price or return terms for transfers. Lead prices come from a sales representative and rise with each filter you add. Billing is pay as you go: your card is charged an amount you pick, then charged again when the balance falls below the cost of one lead. It suits agents who already know its lead program and want to add live calls to it. See Callmart vs QuoteWizard for how it differs from a call marketplace.

Which live transfer companies fit health, Medicare and multi-line buyers?

Fewer national companies sell health and Medicare transfers to agents, and none of the three below prints a price. They differ mostly in breadth: one spans six lines, while the other two focus on health.

Centerfield Insurance Services: for multi-line agencies and carrier call centers

Centerfield Insurance Services, formerly Datalot, sells exclusive pre-screened live transfers and exclusive data leads across auto, home, life, health, Medicare and commercial lines. Its page says callers are screened by its team and transferred directly to you, and it offers performance reporting. Pricing is described as pay per call aligned to your cost of acquisition and is quoted through a call volume estimator or by phone.

The pages reviewed publish no minimums, contract terms, filters, caps or return policy, so you will settle those in a sales conversation. Centerfield fits agencies and carrier call centers that sell several lines, including Medicare, and want one exclusive transfer source priced against a target cost per sale. Read Callmart vs Centerfield for a direct comparison.

Infinix Media: for health agencies that run their own dialer

Infinix Media sells health insurance live transfers alongside real-time, shared and exclusive leads. It describes transfers as qualified inbound calls passed from its reps to yours, vetted for affordability and urgency, and says it can route calls to any employee and phone number on any schedule. It states that it generates all of its own leads and offers free CRM and dialer integration.

Cost depends on volume, your filter sets and the credits allowed, and is not published; the site offers 10% off a first order placed by phone. Returns are accepted for an improper transfer or a poorly vetted caller. Infinix names only health insurance, and buying starts with a sales call (9am to 8pm ET, Monday to Friday) or its Get Leads form rather than a self-serve portal.

Keystone Interactive: for under-65 health sales floors

Keystone Interactive sells real-time data leads, live transfers and inbound calls for under-65 health insurance, generated from search and pay-per-click traffic. Its site says call center staff work around the clock and lists a dialer among its contact form options. It publishes no pricing, minimums, contract terms, state list or return policy, so every relationship starts with a contact form or a call to its sales line. It fits a health floor that wants data, transfers and inbound calls from one negotiated source, not a self-serve account.

Which live transfer companies fit Final Expense and senior-market agents?

Final Expense is the line where transfer prices are most often printed. The three options below run from a fixed rate card to a team-only program to a single published retail tier. For a longer Final Expense list, see best Final Expense live transfer companies.

Falcon FEX: for Final Expense agents who want a printed rate card

Falcon FEX sells Final Expense live transfers and inbound calls in prepaid credit packages, and it prints its prices. Per its lead types and order pages, a 2 Min transfer is $30 with a 2-minute buffer, Bronze is $35 with a 3-minute buffer, and Silver is $45 with a 2-minute buffer; its homepage lists Gold at $75 per transfer with a 60-second buffer. The 2 Min and Bronze tiers are sourced from cold outbound prospecting, while Silver comes from web form submissions.

Orders start at 20 credits. The 2 Min and Bronze tiers require at least five licensed states including two of Texas, Florida and California, and Silver requires at least five. Credits are non-refundable once activated except if you lose your license, if Falcon FEX ceases operations, or for verified billing errors, though it says it may give account credits for technical failures, duplicates within 30 days and verified disconnected or wrong numbers. Transfers run from 10:00 AM to 8:00 PM EST, per its homepage, and you must pause during off-hours.

Lead Heroes: for senior-market teams with three or more agents

Lead Heroes sells telemarketed senior-market leads, pre-set appointments and live transfers for Final Expense and Medicare Supplement. Transfers run in two four-hour blocks, 10 AM to 2 PM or 2 PM to 6 PM local time, and only for agencies or teams with at least three agents available; smaller teams receive the lead by instant email instead. A transferred lead who did not ask to be transferred is replaced.

Lead Heroes does not publish a transfer price. Its order page does print other items, such as an hourly calling campaign at $15 an hour for 160 to 479 hours, a $200 one-time CRM integration fee and a 2.7% card processing fee. It fits a team that wants transfers, appointments and call-back leads from one vendor. Compare it in Callmart vs Lead Heroes.

Callmart: for Final Expense agents who want a posted price and no minimum spend

Callmart is an inbound-call marketplace for insurance agents and agencies. Its public retail price list includes a campaign named Final Expense: Live Transfers at $80 for 120 connected seconds, as of November 2, 2026. Connected time starts when your line answers and ringing never counts, while time a caller spends in your own IVR or voicemail after the answer does count. A call that is never answered or ends before the 120-second buffer is not billed. That is a retail price; agencies and bulk buyers can apply for wholesale rates quoted per account.

The same account buys Final Expense digital and TV calls and Medicare Advantage calls from one prepaid wallet, so you can compare campaigns on cost per sale. Each line accepts calls only from the states you choose, and you can switch receiving off when nobody can answer. If you think a billed call was not valid, you can request a credit from the call in your history, and Callmart reviews each request. Calls are not exclusive, call volume is not promised, and the public list has no auto, home or health campaign.

Who should choose live transfers instead of inbound calls or leads?

Choose live transfers when a screener's first conversation is worth paying for: you want the caller's basic facts confirmed before you speak, and you can keep an agent ready during the seller's transfer hours. A transfer includes someone else's time on the phone, so judge it on cost per sale rather than price per call.

Choose direct inbound calls if you would rather speak with a person who dialed a number from an ad, with no screener in between. Choose leads if you run your own dialer and want records to work over several days. The inbound calls vs live transfers comparison walks through the tradeoff, and the cost per acquisition calculator puts all three on the same footing.

• Pick a multi-line seller such as Centerfield or SmartFinancial if one agency writes several lines and wants one exclusive source.
• Pick a personal lines specialist such as ZipQuote or QuoteWizard if your book is mostly auto and home.
• Pick a health specialist such as Infinix Media or Keystone Interactive if you run an under-65 health floor.
• Pick a Final Expense seller with posted prices, such as Falcon FEX or Callmart, if you want to know your cost before you talk to sales.

What should you check before you buy live transfers?

1. 01Confirm the line and the statesMake sure the seller offers transfers, not only leads, in your line and in the states where you hold a license. Licensing basics explains resident and non-resident licenses.
2. 02Get the billing rule in writingAsk how long a transfer must last to be billable, whether ringing or hold time counts, and what happens if the caller hangs up early.
3. 03Ask who else gets the callerExclusive should mean one agent. Get it written into the order, not just the sales page.
4. 04Read the credit termsFind out what is replaced, what is credited and what is final. Several sellers here credit your balance rather than refund cash.
5. 05Match transfer hours to staffingTransfers arrive in the seller's hours. Falcon FEX, for example, says it is not responsible for credits used if you do not manage your availability, so pause when nobody can answer.
6. 06Start with the minimum and measureBuy the smallest order allowed, track cost per sale for each source, and scale only what pays. The lead ROI guide shows the math.

Common questions