Short answer. NextGen Leads publishes per-lead prices, and the starting points are low: on 2 November 2026 it listed data leads "STARTING AT $4 PER LEAD" for under-65 health and for life insurance and "STARTING AT $8 PER LEAD" for Medicare, with call leads "STARTING AT $35 PER LEAD" for health and life and "STARTING AT $45 PER LEAD" for Medicare; on the health page it says calls are sold on a billable duration, which NextGen says means you pay only for calls you can qualify. The costs that sit on top come from compliance. On 29 October 2026 the FTC sent warning letters to 25 companies that market or generate leads for healthcare plans, citing a civil penalty "of up to $53,088 per violation" for breaches of the Telemarketing Sales Rule or the impersonation rule, with "each unlawful call, advertisement, or misrepresentation" a possible separate violation, and the TCPA sets $500 per violation for unconsented prerecorded calls. Demand is mixed: Keyword Planner for the United States puts "insurance leads," "life insurance leads" and "final expense leads" at 1,000 to 10,000 searches a month each, though "insurance leads" fell 90 percent year on year. This guide sets out the published prices, the demand ranges, the compliance arithmetic and the cost of building your own intake instead.
Key numbers
| Item | Number |
|---|---|
| Health and life data leads, from (NextGen Leads; health page says exclusive, real time) | $4 per lead |
| Medicare data leads, from (NextGen Leads, over 65) | $8 per lead |
| Health and life call leads, from (health page: billed on duration) | $35 per lead |
| Medicare call leads, from (NextGen Leads Medicare page) | $45 per lead |
| US searches a month, insurance leads (Keyword Planner; also life insurance leads and final expense leads) | 1K to 10K |
| FTC warning letters sent (29 October 2026, more on a rolling basis) | 25 |
| FTC civil penalty ceiling cited (TSR or impersonation rule; each call, ad or misrepresentation may count separately) | $53,088 per violation |
| TCPA statutory damages (227(b)(3); up to $500 under 227(c)(5); treble if willful or knowing) | $500 per violation |
| Federal calling window (47 CFR 64.1200(c)(1)) | 8 a.m. to 9 p.m. |
| imisofts AI calling for insurance (year one from $26,461 before usage) | from $2,497 build, from $1,997 a month |
NextGen Leads vertical pages, Google Keyword Planner (United States), FTC press release and warning letter template of 29 October 2026, eCFR 47 CFR 64.1200 and the imisofts AI calling for insurance page, read on 2 November 2026.
Published per-lead prices
NextGen Leads publishes starting prices on three vertical pages. Health: "CALL LEADS STARTING AT $35 PER LEAD" with the vendor's explanation "Calls are sold on a billable duration, so you only pay for the ones that you're able to qualify," and "DATA LEADS STARTING AT $4 PER LEAD," which the health page describes as exclusive and delivered in real time from consumers shopping for under-65 health insurance on the vendor's own sites. Medicare: call leads starting at $45 per lead and data leads starting at $8 per lead for over-65 prospects. Life: call leads starting at $35 and data leads starting at $4. The site lists no auto or home vertical, and its pricing page returns a 404, so these three pages are the published prices. We did not read other vendors' prices and do not repeat prices we could not read.
| Vertical | Data lead, from | Call lead, from | 100 data leads | 100 call leads |
|---|---|---|---|---|
| Health, under 65 | $4 | $35 | $400 | $3,500 |
| Life | $4 | $35 | $400 | $3,500 |
| Medicare, over 65 | $8 | $45 | $800 | $4,500 |
The gap between $4 and $35 is the gap between a form fill you must call and a consumer who is already on the line. A data lead's real cost includes the dialing, the contact rate and the compliance of the call you make to it; a call lead's price buys the contact but not the close. A thousand data leads at $4 is $4,000, and at $8 is $8,000, before anyone has picked up a phone.
What the demand signal says
Google Keyword Planner, set to the United States, English and Google for October 2025 to September 2026 and read on 2 November 2026, gave these ranges. We quote the search ranges and competition labels, which are currency-free, and not bid figures, because our account displays bids in Pakistani rupees.
| Keyword | Average monthly searches | Competition | Change |
|---|---|---|---|
| insurance leads | 1K to 10K | Medium | -90% year on year |
| life insurance leads | 1K to 10K | Medium | 0% |
| final expense leads | 1K to 10K | Medium | 0% |
| auto insurance leads | 100 to 1K | Medium | 0% |
| medicare leads | 100 to 1K | Medium | 0% |
| health insurance leads | 100 to 1K | Medium | not shown |
| commercial insurance leads | 100 to 1K | High | not shown |
| home insurance leads | 10 to 100 | Low | +900% over three months |
Life and final expense are the volume categories on the buy side. Commercial insurance leads is one of two High-competition terms; the other is "free life insurance leads for agents," at 100 to 1,000 searches.
The FTC's 29 October letters: what they change about cost
The FTC's press release says that "With open enrollment season for healthcare plans in progress, Federal Trade Commission staff are sending warning letters to 25 companies that market or generate sales leads for healthcare plans," with more "on a rolling basis." The letters go to companies marketing Affordable Care Act Marketplace insurance and "other healthcare products, such as limited indemnity plans and medical discount programs," and they "do not allege any wrongdoing by any of the recipients." The claims the FTC flags are misrepresenting a plan's benefits or limitations, calling a plan major or comprehensive medical insurance when it is not, misrepresenting costs, and falsely claiming that enrollees will receive free offers, cash rewards or rebates.
The letter template states the price of getting it wrong: "companies or individuals that violate either rule may be subject to a civil penalty of up to $53,088 per violation, and each unlawful call, advertisement, or misrepresentation may constitute a separate violation," with refunds and injunctions on top. It cites the Telemarketing Sales Rule's ban on outbound prerecorded calls without express, informed consent and on calling numbers on the National Do Not Call Registry absent consent, and the impersonation rule for anyone falsely posing as a government agency or an insurance carrier. Ten violations at the maximum is $530,880. The full breakdown is in FTC warns 25 health plan marketers and lead generators; the point for a lead buyer is that the letters ask recipients to review "third-party distributors, marketing affiliates, and sales agents," and that the rules they cite carry penalties of up to $53,088 per violation for those who break them.
The TCPA line under every call
Whoever generates the lead, the call to it is governed by the TCPA: $500 per violation under 227(b)(3) for calls such as unconsented prerecorded calls, up to $500 under 227(c)(5) for Do Not Call breaches after more than one call in 12 months, either of which a court may raise up to threefold for willful or knowing violations, and no telephone solicitation to a residential number before 8 a.m. or after 9 p.m. at the called party's location under 47 CFR 64.1200(c)(1). A hundred (b)(3) violations is $50,000 at the base figure and up to $150,000 at the top. The consent that travels with a bought lead is the document that decides whether the call to it is lawful; TCPA vicarious liability covers when the buyer answers for the vendor's conduct, and Medicare AEP 2026 covers the CMS rules that sit on top for Medicare leads.
Buying leads versus building intake
The alternative to buying is to generate inquiries yourself and answer them in seconds. Our AI calling for insurance agencies page prices that system at "Build $2,497 one-time, from," live on your stack in 2 to 4 weeks, and "Managed $1,997 /month, from," where we run it and tune it; telephony, the voice engine, list screening and CRM usage are billed by those vendors directly. Year one, if the build fee also applies to Managed, is $2,497 plus twelve months at $1,997, or from $26,461, before usage.
At the published starting prices, $26,461 buys at most about 6,600 health or life data leads at $4, or at most about 750 call leads at $35. Which is cheaper depends on the contact and close rates you can achieve on each, and on whether the leads come with consent you can rely on. An inbound system does not buy leads; it answers the inquiries your own marketing produces and the follow-ups your existing customers consent to. What an AI agent may and may not say on an insurance call is covered in your AI agent can call your leads but cannot quote them.
A cost-per-policy model
- Lead price, from the vendor's published or quoted figure: starting at $4 to $8 for data leads and $35 to $45 for call leads on the pages above.
- Contact rate on data leads, which turns $4 into the price of a conversation; at a 25 percent contact rate a $4 data lead is $16 per conversation, and at 10 percent it is $40, more than a call lead.
- Quote and close rates, which the licensed agent controls.
- Compliance cost, fixed: consent records per lead, Do Not Call scrubbing, hours enforcement, and the monitoring that limits per-violation exposure.
- Compliance cost, contingent: $500 per violation for unconsented prerecorded calls and up to $53,088 per violation of the FTC rules cited in the letters, allocated to whoever made it.
Every price and quotation above is from a page read on 2 November 2026: NextGen Leads for lead prices, Keyword Planner for demand, the FTC's release and letter template for penalties, eCFR for the federal window and our own page for the system cost. We did not read other vendors' prices; ask for them in writing with the vertical, exclusivity and consent terms attached. This is general information, not legal advice.
Frequently Asked Questions
On NextGen Leads' public pages read on 2 November 2026, data leads start at $4 per lead for under-65 health and for life insurance and $8 for Medicare, while call leads start at $35 for health and life and $45 for Medicare; the health page says calls are billed on duration so you pay only for the ones you can qualify. We did not read other vendors' prices.
A data lead is a form submission with contact details that you must call; a call lead is a consumer transferred to you on the phone. On the published starting prices the gap is $4 to $8 against $35 to $45, and the data lead's real cost depends on your contact rate: at 25 percent a $4 lead is $16 per conversation, at 10 percent it is $40, more than a $35 call lead.
Google Keyword Planner for the United States, read on 2 November 2026, shows 1,000 to 10,000 monthly searches each for insurance leads, life insurance leads and final expense leads, 100 to 1,000 for auto, Medicare, health and commercial insurance leads, and 10 to 100 for home insurance leads.
On 29 October 2026 FTC staff sent warning letters to 25 companies that market or generate leads for healthcare plans, naming misrepresented benefits, plans passed off as comprehensive insurance, misrepresented costs and false incentive claims. The letters allege no wrongdoing by recipients but state that violations of the Telemarketing Sales Rule or the impersonation rule may carry a civil penalty of up to $53,088 per violation, with each unlawful call, ad or misrepresentation a possible separate violation.
$500 per violation under 227(b)(3) for calls such as unconsented prerecorded calls, and up to $500 under 227(c)(5) for Do Not Call breaches after more than one call in 12 months, which a court may raise up to threefold for willful or knowing violations; a hundred (b)(3) violations is $50,000 to $150,000. Telephone solicitations to residential numbers are barred before 8 a.m. or after 9 p.m. at the called party's location under 47 CFR 64.1200(c)(1), and Do Not Call Registry rules apply absent consent.
On our AI calling for insurance page, the build is from $2,497 one-time and the managed service from $1,997 a month, live in 2 to 4 weeks, with telephony and voice billed by those vendors. Year one is from $26,461 before usage if the build fee also applies, which at published starting prices is at most about 6,600 data leads at $4 or about 750 call leads at $35.