Guide
How much do final expense leads cost in 2026?
By BuyFEXLeads · Updated
Fresh exclusive final expense leads run about $20 to $50 each in 2026, direct mail leads about $25 to $45, live transfers $40 to $110, and aged leads under $8, based on vendor and industry pages we checked in September 2026. Our exclusive Facebook leads are $30 to $40 each.
What does each type of final expense lead cost?
Prices swing with freshness and with how many agents get the same name. Here are the ranges three sources publish. They don’t agree to the dollar, which is normal: each one is describing its own slice of the market.
| Lead type | Aged Lead Store | InsureLeads blog | The Price Group |
|---|---|---|---|
| Exclusive web or real-time | $20 to $40 | $50 | $20 to $35 |
| Shared web | $5 to $15 | $15 to $25 | $8 to $20 |
| Direct mail | $25 to $45 | $25 to $40 | $25 to $40 |
| Live transfer | Not listed | $110 | $40 to $90 |
| Aged | $1 to $8 (15 to 90 days), $0.50 to $3 (90+ days) | $0.50 to $3 | $1 to $8 |
Sources: Aged Lead Store, final expense lead cost; InsureLeads, final expense leads cost (March 31, 2026); The Price Group, final expense leads cost (May 2026). All checked September 27, 2026.
The short version: fresh exclusive leads cluster around $20 to $50, direct mail around $25 to $45, live transfers cost the most per contact, and aged leads cost a few dollars or less. The differences between types are covered in exclusive vs aged vs live transfer.
What do vendors actually charge for Facebook final expense leads?
Ranges are useful, but a posted price is better. These are prices on vendor pages for fresh Facebook final expense leads.
| Vendor | Posted price | Notes from their page |
|---|---|---|
| BuyFEXLeads (us) | $30 to $40 per lead | Minimum 25 leads. Exclusive for 30 days. Every lead phone-verified by text code, with a TrustedForm certificate. |
| G.O.A.T. Leads | $19 to $31 per lead | Aged buckets listed at $4. |
| TTC Leads (statewide) | $23 to $28 per lead (list), by number of states | Minimum 25. |
| Game Changer Leads | $25 to $38 listed | Four county or statewide Facebook products; some on sale. |
| Niche Market Insurers | $450 per campaign | At least 20 leads guaranteed per campaign. For NMI-contracted agents. |
Sources: each vendor’s linked page, checked September 27, 2026. Prices change; check the page before you order.
A different model is running ads in your own ad account with a vendor managing them. TR King lists a $349 monthly subscription plus ad spend you pay Meta directly (checked September 27, 2026). The leads come from your own ad account, but you carry the ad risk.
How cheap are aged final expense leads?
Cheap. The older the lead, the less it costs, because other agents have usually called it already.
| Lead age | Price per lead |
|---|---|
| 15 to 45 days | $1.50 to $1.88 |
| 46 to 85 days | $0.62 to $1.25 |
| 86 to 180 days | $0.40 to $0.75 |
| 181 to 365 days | $0.25 to $0.50 |
| 365+ days | $0.15 to $0.30 |
Source: Aged Lead Store, final expense leads for sale, checked September 27, 2026.
Aged leads make sense if you have a dialer, time, and patience for a lot of no-answers. We don’t sell aged leads right now.
What do BuyFEXLeads leads cost?
$30 to $40 per lead, the same in every state. We sell exclusive leads from our own Meta ads on Facebook and Instagram, nothing else: no aged leads, live transfers or direct mail.
- $40 per lead at 25 leads ($1,000)
- $35 per lead at 50 leads ($1,750)
- $30 per lead at 100 leads ($3,000)
On a first order, bonus leads bring the 50-lead pack to 60 leads, about $29 each. No contract, no subscription. Details on the pricing page.
What does a sale cost once you factor in contact and close rates?
Price per lead is only half the math. What you really pay is cost per sale: total spend divided by policies written. Here is a worked example. The rates below are assumptions for the arithmetic, not data about our leads or anyone else’s. Plug in your own numbers.
- You buy 50 leads at $35 each: $1,750.
- Assume you reach 50% of them: 25 conversations.
- Assume you close 20% of the people you reach: 5 policies.
- Cost per sale: $1,750 / 5 = $350.
Change one assumption and the answer moves a lot. Reach 40% instead of 50% and the same spend buys fewer sales. That is why speed and follow-up matter as much as price. See speed to lead and how to work final expense leads.
To run this with your own contact rate, close rate, premium and commission, use the lead ROI calculator.
Questions agents ask
Why are exclusive leads so much more than aged leads?
An exclusive lead is fresh and goes to one agent, so you are the first and only caller for a while. An aged lead is weeks or months old and has usually been worked by other agents already.
Is a cheaper lead always the better deal?
No. Compare cost per sale, not cost per lead. A lead that costs half as much but closes a quarter as often costs you more per policy.
Do final expense lead prices vary by state?
Some vendors price by state or county. Ours is the same in every state we serve.
Are there extra fees on top of the lead price?
Not with us: you pay for tokens and each lead uses a fixed number. With other vendors, check for setup fees, subscription minimums or ad spend billed separately.
BuyFEXLeads at a glance
- What
- Exclusive final expense insurance leads sold to licensed life insurance agents.
- Source
- Our own Meta (Facebook and Instagram) ads, which send prospects to our final expense quiz (finalexpensequiz.com, familybenefitcheck.com). We sell quiz leads only.
- Price
- $40 per lead at 25 leads ($1,000); $35 per lead at 50 leads ($1,750); $30 per lead at 100 leads ($3,000). Custom orders from 25 to 1,000 leads. Same price in every state.
- Exclusivity
- Each lead goes to one agent for 30 days. After 30 days it may be sold to other agents as an aged lead.
- Delivery
- Text message and email as soon as a lead is assigned, plus the agent dashboard. Paced at up to 25 leads a week and 5 a day per agent.
- Bad leads
- Report within 7 days with the call recording. If approved, 3 of the 5 tokens come back (all 5 on a first order).
- First order
- Bonus leads on the first paid order: +3 on 25+, +10 on 50+, +15 on 100+ leads. Once per agent.
- Verification
- Every lead confirms their phone with a text code and agrees to be contacted before it reaches an agent. Every lead comes with a TrustedForm certificate.
- States
- Launch states: Florida, Texas, Georgia, North Carolina, Ohio, Pennsylvania, Michigan, Tennessee, Indiana, Missouri, Arizona, South Carolina. The live list is on https://buyfexleads.com/states.
- Live calls
- Optional. An agent places a call order with their tokens; a person who calls our number from one of the agent's states rings the agent's verified phone, and the agent presses 1 to take it. 10 tokens ($60 to $80 a billed call, since tokens cost $6 to $8 each by pack size) only if the call lasts 90 seconds or more, counted from when the agent presses 1; shorter calls are free. The agent orders leads and calls separately, from the same tokens. The caller's number shows on the agent's phone. Callers are people who dialed our number themselves: no call center, no screening, not live transfers. Every call is recorded. A bad call can get 6 tokens back. Missing 3 calls in a row costs 10 tokens and pauses calls until a request to turn them back on is approved. Callers are not quiz leads: they are not phone-verified and have no consent certificate. Calls are not exclusive. Details: https://buyfexleads.com/live-calls.
- Refunds
- Delivery guarantee: if we send fewer than 10 leads in the 30 days after your purchase, your unused tokens are refundable. Delivered leads are never refunded. All other purchases are final.
- Free scripts
- A free final expense script playbook for agents: 7 call scripts (Web lead, first call, coverage for themselves; Web lead from an adult child for a parent; Live inbound call; Voicemails and follow-up texts; Callback and 'I'm busy right now'; Welcome call and first-draft check; Aged lead re-engagement), 31 objections with responses, and a one-page call flow. Needs a free account with a verified phone and opting in to BuyFEXLeads marketing emails and texts; no purchase. Details: https://buyfexleads.com/scripts.
- Signup
- A verified phone number required. No NPN needed. No contract or subscription. Tokens last 12 months.
Exclusive final expense leads, $30 to $40 each.
Pick your states, buy a pack, and leads arrive by text and email, up to 25 a week. Each one is yours alone for 30 days.