Real-time delivery may be supported where configured. Timing varies by product, source, integration, routing conditions and buyer configuration; confirm the applicable delivery specifications.
Indexed Universal Life is a different sale than term. The conversation involves premium funding, cash-value mechanics, indexed crediting strategies, caps and participation rates, and how the policy fits into a broader retirement or wealth-transfer plan. Producers who write IUL need prospects who can actually fund a meaningful premium and who are open to a 30 to 60 minute discovery call — not someone comparing $25/month term quotes.
Most lead vendors don't make that distinction. Generic life insurance forms get repackaged and sold as 'IUL leads' the moment the prospect ticks a box about 'cash value' or 'retirement.' Producers spend their week trying to manufacture IUL conversations out of term-shopper intent, and case sizes never reach what the IUL model requires.
OneLife builds IUL as its own funnel. Creative speaks to premium-funded buyers — small business owners, high-income professionals, and pre-retirees thinking about tax-advantaged accumulation and wealth transfer. Forms screen for income band, intended monthly premium, and planning horizon, so producers spend their time on conversations that can actually become a placed IUL policy.
A checklist for comparing life insurance lead generation programs. Results depend on product, source, carrier mix, sales process and agreement terms.
OneLife runs Indexed Universal Life campaigns as their own product line — separate from term, final expense, and mortgage protection. Audiences are targeted on income, life stage, business ownership, and retirement-planning signals so the prospects entering the funnel are realistically capable of funding a meaningful IUL policy.
Every IUL lead is screened for income band, target premium, current permanent-life coverage, and the planning conversation they're actually trying to have — retirement income, tax-advantaged accumulation, wealth transfer, key-person or buy-sell funding, or business-owner cash-value strategy. Producers know before the dial whether the case is a personal retirement IUL, a high-face-amount estate case, or a business-funded design.
Audiences built around income, business ownership, and retirement-planning intent — not generic life-insurance traffic. Designed to attract producers' Plan A clients, not their churn.
Forms capture income band, target monthly premium, and planning horizon so producers walk into a case that can actually support a meaningful IUL design.
Each lead is tagged with retirement income, tax-advantaged accumulation, wealth transfer, or business-owner intent so producers open the conversation in the right frame.
Optional live-transfer layer hands a pre-screened, premium-funded IUL prospect directly to a licensed advanced-market producer with a verified call recording.
Qualification, available source and consent evidence, recording, screening and exclusivity depend on the product, publisher and agreement. Confirm the specifications and evaluate documentation for your intended outreach; no universal verification or legal compliance guarantee applies.
Retirement income, tax-advantaged growth, wealth transfer, estate planning, and business-owner funding tagged at the form layer.
Existing permanent life coverage and prior IUL/UL ownership captured so producers position the design correctly from the first dial.
Qualification, available source and consent evidence, recording, screening and exclusivity depend on the product, publisher and agreement. Confirm the specifications and evaluate documentation for your intended outreach; no universal verification or legal compliance guarantee applies.
Leads only flow to producers holding the appropriate life-insurance line of authority in the prospect's resident state.
Refunds, credits and replacements follow the applicable buyer agreement, product specifications and review procedure. Eligibility, exclusions and processing times are not universally guaranteed.
Audiences are built around income, business ownership, pre-retirement life stage, and tax-planning intent — engineered to surface IUL-appropriate prospects, not term shoppers.
OneLife combines trusted third-party publishing partners with its own marketing activities. We do not currently operate consumer-facing landing pages. Source, campaign setup and qualification vary by product; confirm the applicable source specifications.
Real-time delivery may be supported where configured. Timing varies by product, source, integration, routing conditions and buyer configuration; confirm the applicable delivery specifications.
Submitted-to-issued ratios and average annualized premium per case are tracked by planning context (retirement, estate, business-owner) so creative and audiences stay aligned to placed business — not just lead count.
Independent producers who need a steady flow of iul leads (indexed universal life) without managing media buyers, dialer infrastructure, or compliance overhead.
Agencies running 5–50 closers who need predictable daily lead volume, geographic balancing, and replacement-backed economics.
Marketing organizations that need a white-label lead source to offer downline agencies — branded delivery, recurring volume, partner reporting.
Qualification, consent and source documentation, exclusivity, delivery and retention depend on the product, publisher and buyer agreement. Confirm the applicable specifications and legal requirements before outreach.
IUL Leads (Indexed Universal Life) ships with the same compliance posture we apply to every OneLife program. Read the full compliance overview or our privacy policy.
Available consent records, such as timestamps or certificates, vary by publisher and product. Review them before outreach.
Sourcing methods and restrictions depend on the publisher, product and buyer agreement.
Resale restrictions and data-retention terms follow the applicable product and buyer agreement.
Qualification, consent and source documentation, exclusivity, delivery and retention depend on the product, publisher and buyer agreement. Confirm the applicable specifications and legal requirements before outreach.
A 30-minute strategy call covers your current funnel, the gaps we see most often, and what a tailored program — wired into our lead management dashboard — would look like for your agency.
The definitive framework for evaluating any insurance lead vendor — sourcing, exclusivity, compliance, ROI.
Why exclusivity changes contact rate, conversion, and cost-per-issued-policy — with real benchmarks.
See how delivery, replacement, and reporting work across every vertical.
Exclusive life insurance leads for term, whole life, and IUL producers. Higher first-touch contact rates and Consent-conscious sourcing.
Exclusive mortgage protection leads targeting new homeowners. Consent-conscious sourcing built for life and mortgage protection producers.
Exclusive delivery applies to the specified product and contractual arrangement, not automatically to every lead or call. Confirm the applicable restrictions and source terms.
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