Exclusive homeowner audiences, education delivered under your name, and a proven call process. Our customers report about $35 in leads per issued, paid IUL policy, less than most agents spend on a single lead.
Customer-reported (survey of 261 agents), not independently verified. Results not guaranteed. Individual results vary.
Sound on. Everything on this page is in the video.
It’s that most people have never had an IUL explained to them, or been shown what it can do for them.
Here is the fix. Your leads hear about IUL from you, under your name, before you ever call. The moment a homeowner opts in, we email them your name and number and tell them to expect your call. Then every Tuesday, a new email goes out under your name with a different reason to own an IUL.
Our customers report a close rate of 2.88%, after denied applications, wrong numbers, disconnected numbers, and everything else. Out of every 100 leads, about three become issued, paid policies.
That means the other 97 leads don’t matter. Some numbers will be wrong. Some applications will be denied. Some policies will charge back. None of that changes the math. A sold, issued, paid policy costs you less than most agents spend on a single lead.
Close rate and average policy size are from a survey of 261 responding customers and are not independently verified. Individual results vary and depend on your effort. Emails, texts, and calls are billed separately from your CRM wallet at the rates on iul.org/usage.
Almost every IUL lead is generated on an ad platform, and every one of those platforms retargets. The moment someone fills out an IUL form, the platform connects the dots and starts showing them IUL ads from every other agent and carrier.
So even if a lead was only sold to you, it doesn’t stay yours for long. The platform already shared it.
“Most consumers have never had IUL explained to them, no matter where the lead came from. That is not a lead quality problem. That is an awareness problem, and it needs a different solution.”
IUL is one of the most versatile products you can sell. Final expense and term are simple: there’s one main reason to buy, and one ad can explain it. IUL needs far more education. A 25-year-old homeowner with a young family buys an IUL for different reasons than a 60-year-old homeowner thinking about their grandkids. No single ad can explain all of that.
Most IUL leads are generated with ads on Facebook, Instagram, Google, TikTok, or Reddit. Even if your vendor sold that lead only to you, other agents can reach the same person through ads, quickly. And it keeps going after the sale:
That’s a big reason policies don’t stick, and we believe it’s a big reason so many life insurance agents quit.
Your leads don’t come from:
The only place they learn about IUL is inside your CRM, from you. Every lead is a homeowner who opted in to be contacted by an IUL.org representative. So nothing gets retargeted, and no other IUL.org agent ever gets them.
Then your Digital Direct Mail System (the IUL Education System in our Terms) does the education work. A short introduction goes out the moment they opt in, then a new email every Tuesday, each covering a different reason to own an IUL. So when you call, you are not explaining IUL to a stranger for the first time. They’ve been hearing about it from you.
And because a new email goes out every Tuesday, no single moment is make or break. Don’t reach a lead this week, and next Tuesday gives you another reason to call.
We don’t share the exact process. If we published it, everyone would copy it, and the leads would stop being $1, and they’d definitely stop being exclusive. Our process is your competitive advantage against every agent who doesn’t work with us.
Here is exactly how each lead moves through the system, and what you should do at every stage to win.
Every lead opted in to be contacted by an IUL.org representative. When you call, you are that representative. No ad platform knows they’re an IUL lead, so nobody can retarget them.
Almost anyone can benefit from an IUL. The real question is who carriers approve, and homeownership predicts that: a bank already approved them, and they already make a big monthly payment. Just like an IUL.
Homeownership is the strongest predictor we’ve found for success in IUL sales. Homeowners with a mortgage were already financially qualified by a bank. Homeowners without a mortgage usually have money freed up. Either way, carriers are more likely to approve them.
IUL is a lifetime decision. You can’t force the moment. You stay present until the right reason becomes personal to that lead.
People buy an IUL for different reasons. So instead of guessing, we send every reason, one at a time, and let each homeowner show you which one matters to them.
The instant someone opts in, an intro email goes out under your name, with your number, telling them to expect your call. From there, a new email goes out every Tuesday, rotating through over 40 reasons to own an IUL. Some leads respond to the first one. Others respond later. That’s the system working as designed.
It all runs inside your CRM, and you see exactly who opens, clicks, and replies. Those are the people you call.
First email the moment they opt in, then every TuesdayThe whole thing runs on an intro email, then a steady weekly rhythm. You set the pace.
An open tells you what to talk about. When a lead opens one of your emails, you know which reason they read, so you can open the call with it.
There is no window to miss. If you don’t get to someone this week, they stay in the sequence, and next Tuesday’s email gives you a new reason to call. Here is the order to work your list whenever you sit down to call.
They had seen the emails, and they understood the basics of IUL. It didn’t feel like a cold call at all.
It’s not even shooting fish in a barrel, it’s fishing with dynamite in a barrel.
Full case studies: Case study 1 · Case study 2 · Case study 3
Case studies are from verified customers. Results not typical. Individual results vary.
No portal. No forms. Just email us the number of leads.
One-time retail orders only. Excludes promotional and subscription pricing. Full terms.
Not from Facebook, Instagram, Google, TikTok, or any other platform that can retarget them. The only place they learn about IUL is inside your CRM, from you. We don’t publish the exact process. If we did, everyone would copy it, and the leads would stop being $1 and stop being exclusive. Every lead is a homeowner ages 20 to 62 in your licensed states, a real, time-stamped opt-in with e-signed consent and a TrustedForm certificate. Never scraped, never aged, never resold.
Our customers report a close rate of 2.88%, after denied applications, wrong numbers, disconnected numbers, and everything else. At $1 a lead, 100 leads cost $100, which works out to about $35 per issued, paid policy, with a customer-reported average policy size of $4,022. Customer-reported, not independently verified. Individual results vary.
Every IUL lead is qualified by who they are, so no ad platform tags them as an IUL shopper. When a platform tags someone as interested in IUL, every advertiser’s algorithm retargets them, and the lead gets worked by every vendor in the market. IUL.org leads are homeowners ages 20 to 62 who opted in to be contacted by an IUL.org representative, delivered exclusively to one agent and never resold. From the moment they opt in, they get your name and number, then a weekly email under your name with a different reason people own an IUL, over 40 in rotation.
As fresh as they get. Every lead lands in your CRM within seconds of opting in, with e-signed consent and a TrustedForm certificate showing when and how they opted in. Never scraped. Never aged.
Yes. Every IUL lead is delivered to one agent only. IUL.org leads are never resold and never reassigned to another agent.
Yes. Work your leads inside your IUL.org CRM, or export them to your own dialer and systems. When you contact leads outside the platform, you’re responsible for compliance and opt-outs for that outreach, and opt-outs inside your CRM don’t carry over to your other systems automatically. Exported leads are licensed to you under our Terms of Service: they can’t be resold or shared, and the license ends if the order is refunded or charged back. Never upload your leads to Facebook, Google, or any ad platform. That’s what gets a lead retargeted by other agents, and it’s the one thing that undoes your exclusivity.
200 exclusive homeowner IUL leads, your Digital Direct Mail System, and the IUL One Call Close Script.
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