How much do final expense leads cost?

What do final expense leads cost in 2026?

Final expense leads cost between 25 cents and $75 per unit at the vendors that print their prices, and nearly all of that spread comes from what the unit is. On rate cards checked November 2, 2026, Aged Lead Store sells aged final expense records at $0.25 to $4.50 each. Exclusive real-time social leads start at $17 at Agent Autopilot. Live transfers, where a screener hands the prospect to you, cost $30 to $45 at Falcon FEX on two to three minute buffers, $45 or $60 at LeadSwitch, and $75 for Falcon FEX's Gold tier. Direct inbound calls cost $55 at Falcon FEX on a 90 second buffer, and LeadSwitch's product page lists $25 Raw, $50 Standard and $70 Premium rungs ($55 on its live price list). Callmart publishes retail prices for its Final Expense: Digital, Final Expense: TV (CTV) and Final Expense: Live Transfers campaigns, starting at $30 for a 10 second buffer. A lower unit price does not always mean a lower cost per sale.

Those figures do not line up as they stand. An aged record may never answer the phone, while a transfer or inbound call begins as a conversation that the vendor bills only after a set stretch of connected time. The next sections put every price in one table and then convert it to a cost per sale.

What does each vendor publish for final expense?

Falcon FEX also sells Velocity, a flat $1,999 per agent per week for direct final expense and general life calls with no screening. Its refund policy says Velocity does not promise a number of calls, so the price per call depends on how many arrive. Forty calls in a week works out to about $50 each; twenty calls, about $100 each.

Two sellers do not post their own final expense price. PX Local lists its life and final expense leads as coming soon, and PX prices aged final expense leads by written quote after you choose filters.

What is the difference between cost per lead, cost per call and cost per sale?

Cost per lead and cost per call describe what you paid for a unit; cost per sale describes what you paid for a policy. Only the last one tells you whether a source makes money, and getting there means counting every unit that did not turn into a sale.

Cost per lead

Total spend divided by records received. It ignores how many records you ever reach.

Cost per billable call

The published price per call that crossed the vendor's buffer. Calls that ended sooner are not in it.

Cost per delivered call

Total spend divided by every call that reached you, billed or not. It is lower than the sticker price whenever short calls go unbilled.

Cost per sale

Total spend divided by policies written. Divide by policies still in force if chargebacks are part of your contract.

Falcon FEX's order page shows the gap between the middle two. Twenty Bronze credits cost $700, or $35 per billable transfer, and the page estimates 42 calls received for that order. If 42 calls arrive, the cost per delivered call is about $16.67, because its buffer guidelines list drop reasons that are not billed. What a call buffer is explains the mechanism.

Worked example: what does one sale cost on each product?

Use one formula for every product: cost per sale equals the unit price divided by the share of units that become conversations, times the share of conversations that close. The rates below are assumptions chosen to show the arithmetic, not benchmarks. Falcon FEX's order page shows its own estimated conversion rates, about 20% on its 2 Min and Bronze transfers and 24% on Silver; treat any vendor figure as the vendor's estimate and put in your own.

On these inputs the aged lead looks cheapest, but each sale needs about 83 records worked by phone, and that agent time is not in the price. Add labor with the method in what a call actually costs before you compare. A transfer or inbound call starts as a conversation, so it needs far fewer units per sale.

Callmart calls follow the same arithmetic with a contact rate of 100%, because you pay only for calls that connect and reach your buffer. At an assumed 25% close rate, cost per sale is four times the call price: four times $60 on the 90 second tier, or four times $40 on the 30 second tier. A shorter buffer bills more brief calls, so your close rate per billed call can fall. Compare tiers on cost per sale, and use the cost per acquisition calculator to run your own numbers.

Why do prices for the same product vary so much?

Prices differ because vendors are selling different things under the same label. Five terms explain most of the gap, and each one is printed on the vendors' own pages.

• Buffer length. Falcon FEX charges $30 for a transfer on a 2 minute buffer and $75 for one on a 60 second buffer. A shorter buffer bills more calls.
• Traffic source. Falcon FEX says its 2 Min and Bronze transfers come from cold outbound prospecting, Silver from fresh web form submissions, and Gold from paid-traffic shoppers with written consent.
• Selling hours. LeadSwitch sells final expense calls Monday to Friday, 9am to 3pm Central. Falcon FEX runs transfers from 10am to 8pm Eastern with a short afternoon break.
• State rules. Falcon FEX asks for at least five licensed states, including two of Texas, Florida and California, on its cheaper transfer tiers.
• Minimums and refunds. Falcon FEX sells in 20 credit packages that are non-refundable once activated; Aged Lead Store has a $100 minimum order.

Exclusivity matters too. LeadSwitch calls its inbound product exclusive, while Callmart calls are not exclusive: unless a Campaign Order says otherwise, similar calls may go to other buyers. The inbound calls vs live transfers comparison covers how those two products differ beyond price.

How does Callmart price final expense calls?

Callmart prices each call by campaign and buffer, and the retail list is public. Connected time starts when your line answers, ringing never counts, and a call is charged once, after it ends, only if connected time reaches the buffer you chose. Time a caller spends in your own IVR or voicemail after your line answers does count.

The three final expense campaigns appear in the table above at retail, as of November 2, 2026; the full price list also covers Medicare Advantage. Agencies and bulk buyers can request lower rates, quoted per account after a wholesale application. A first deposit earns call credit: $50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000. The credit has no cash value. There is no minimum spend and no minimum term, and Callmart does not guarantee call volume; delivery depends on eligible supply and your own settings.

How should you compare final expense prices before you buy?

1. 01Write down the unitRecord, transfer or inbound call, and whether anyone else receives the same one.
2. 02Find the billing triggerNote the buffer and what starts the clock. Read the vendor's list of calls it will not bill.
3. 03Convert to cost per conversationDivide the price by your expected contact rate. For a billed call that rate is 100%.
4. 04Apply your close rateDivide cost per conversation by the share that closes. That is your cost per sale.
5. 05Add the fixed termsMinimum orders, non-refundable credits and selling hours change what a test costs you. Check them with the vendor checklist.

What mistakes make a lead look cheaper than it is?

• Comparing a per-lead price with a per-call price without converting both to cost per sale.
• Ignoring agent time on records that never answer.
• Reading the homepage price and missing a different figure on the live price list.
• Forgetting that a 20 credit minimum or a $100 order floor is the real price of a test.
• Counting sales instead of policies that stay in force when your contract has chargebacks.

Once you have a cost per sale you trust, the buying guide walks through sizing a first order.

Common questions