Pre-IEP qualified Turning 65 prospects, scope-of-appointment-ready Medicare appointments, and exclusive live transfers routed to licensed agents the moment intent is captured. Built for FMOs, IMOs, call centers, and Medicare-focused agencies who need a clean T65 pipeline 12 months a year.
T65 is the only point in a consumer's life when they're forced to learn Medicare from scratch. The three months before their 65th birthday, the birthday month itself, and the three months after make up the Initial Enrollment Period (IEP) — and whoever earns the conversation during that window typically keeps the policy for the next ten-plus years of renewals.
The problem is that most T65 vendors don't actually generate T65 intent. They resell aged Medicare Advantage lists, scrape direct-mail follow-ups, or push age-65 contacts into the same shared funnel as DSNP and SEP shoppers. Producers end up calling already-enrolled seniors, dual-eligibles outside their licensure, or prospects who've already taken a scope of appointment with a competitor.
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.
A checklist for comparing medicare lead generation programs. Results depend on product, source, carrier mix, sales process and agreement terms.
OneLife runs T65 as its own product line, distinct from broader Medicare Advantage lead generation. Audiences are built on rolling birth-month cohorts so prospects enter the funnel exactly when their Initial Enrollment Period opens — not after a competitor has already locked in their plan choice.
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.
Audiences activate 3 months before the 65th birthday and pause when IEP closes — no wasted spend on prospects outside the enrollment window.
Forms capture employer coverage status and Medicare Advantage vs. Medicare Supplement (Medigap) curiosity so licensed agents start the call already informed.
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.
Optional live-transfer layer hands a warm, IEP-eligible Turning 65 consumer directly to a licensed Medicare producer with a verified call recording.
Rolling T-90 / T-60 / T-30 audiences map every prospect to the correct IEP month — no January leads delivered in October.
Each lead is tagged with Medigap, Medicare Advantage, or undecided intent so producers route the conversation to the right product.
Consent language and disclaimer copy reviewed against current CMS Third-Party Marketing Organization rules and refreshed when CMS updates guidance.
SOA capture is pre-staged so licensed agents can complete the appointment requirement without breaking the conversation.
Leads only flow to producers holding an active Medicare 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 on rolling birth-month cohorts so Turning 65 consumers enter the funnel 90 days before their Initial Enrollment Period opens.
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.
Each birth-month cohort is reviewed for contact, appointment, and enrollment rate so creative, copy, and disclosures stay current with CMS guidance.
Independent producers who need a steady flow of t65 leads (turning 65) 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.
T65 Leads (Turning 65) 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.
Real-time delivery may be supported where configured. Timing varies by product, source, integration, routing conditions and buyer configuration; confirm the applicable delivery specifications.
Exclusive delivery applies to the specified product and contractual arrangement, not automatically to every lead or call. Confirm the applicable restrictions and source terms.
High-intent inbound insurance calls from prospects who dialed first. Skip the cold dial entirely. Medicare, Final Expense, and Life available.
Tell us about your agency. A strategist will reach out within 24 hours with a tailored plan.