What Are Aged Insurance Leads?
Aged insurance leads are potential customer contacts that were generated 30 days or more in the past and are now resold to new agents or agencies. Unlike exclusive, real-time leads, aged leads are older and may have been contacted by other agents. Agencies and producers buy aged leads to access a larger volume of prospects at a fraction of the price of fresh leads. This cost efficiency makes aged leads an appealing option for insurance professionals seeking scalable lead generation, particularly in competitive lines such as life, health, and auto insurance.
Aged Insurance Leads Cost in 2024: Key Facts
The cost of aged insurance leads in 2024 has remained highly competitive, especially compared to the cost of real-time leads. Pricing varies based on lead age, origin, type, and purchase volume. Here is a quick reference for current price trends:
| Lead Age | Cost per Lead (2024 Avg.) | Compared to Fresh Leads |
| 30–60 days old | $1.00–$5.00 | 60–90% less expensive |
| 60–90 days old | $0.75–$2.50 | 70–95% less expensive |
| 90+ days old | $0.50–$1.00 | 90–97% less expensive |
Fresh, real-time insurance leads often range from $10 to $50 per lead, making aged insurance leads a cost-effective route for budget-conscious agencies.
What Factors Impact the Cost of Aged Insurance Leads?
Aged insurance leads pricing is shaped by several critical factors:
- Lead Source & Provider Reputation: Established, well-reviewed platforms tend to command higher prices due to more rigorous data quality controls and better lead filtering options.
- Age of the Lead: The older the lead, the lower the cost. Leads over 90 days old are the most economical.
- Insurance Type: Life, auto, health, home, and final expense leads each have distinct market demand and pricing structures.
- Quantity Purchased: Bulk purchases (hundreds or thousands of leads) often yield substantial per-lead discounts.
- Exclusivity: Non-exclusive leads—sold to multiple agents—are less expensive, while exclusive offers or “stealth aged” leads may carry a premium.
- Lead Filters/Criteria: More stringent filters (by geography, demographic, or product) generally increase cost.
For a deeper dive into lead acquisition and utilization strategies, see Strategies for Acquiring and Utilizing Insurance Leads Effectively.
Aged Insurance Leads Pricing: By Insurance Type
Pricing for aged insurance leads varies significantly based on the target market:
- Aged Health Insurance Leads Cost: Generally $0.75–$3.00 per lead for 30-to-90-day-old data, with Medicare and ACA leads often commanding a slight premium due to market demand.
- Aged Auto Insurance Leads Cost: Typically $0.50–$2.00 per lead, making them among the most affordable and scalable options for P&C agencies.
- Aged Life Insurance Leads Cost: Range from $1.25–$5.00 per lead for recent (30-60 days) data, decreasing to $0.75 or less beyond 90 days. For more details, read How Much Do Aged Leads Cost? A 2025 Price Breakdown.
- Other Types: Final expense, mortgage protection, and home insurance leads are usually available in the $0.75–$3.00 per lead ballpark. Specialty lines may depend on supply and targeting filters.
Are Aged Insurance Leads Worth the Cost?
The ROI potential on aged insurance leads is substantial for agents willing to work the data with persistence and effective follow-up systems. Benefits include:
- Low Entry Cost: The affordable price point allows for higher-volume outreach, increasing your odds of connecting with qualified prospects.
- Conversion Rates: While average conversion rates are lower than with fresh leads (1-4% is common), the low cost per lead can drive healthy profit margins.
- Best Practices: Aged lead buyers find increased success by responding quickly (even on older data), using tailored scripts, and leveraging automation for follow-ups.
Discover actionable tips for effective outreach in Best Practices for Contacting and Converting Insurance Leads.
How to Find the Best Deals on Aged Insurance Leads
Smart purchasing starts with thorough comparison and scrutiny:
- Compare Multiple Vendors: Look for marketplaces that provide transparent filtering options, customer testimonials, and pricing breakdowns.
- Check Filters & Custom Ordering: The ability to tailor orders by geography, product, or demographic improves quality.
- Assess Minimum Orders: Some platforms require minimum batch orders, but many offer flexible quantities for testing.
- Question the Data Source: Always verify lead provenance and compliance (TCPA, DNC, etc.).
- Red Flags: Beware of vague sources, overly aggressive upsells, or vendors lacking clear return/refund policies.
For an expanded due diligence checklist, visit What Makes a Good Lead Provider? Questions to Ask Before You Buy.
2024 Market Outlook: Trends in Aged Lead Pricing
- Stable or Slightly Decreasing Costs: The increased use of automation and large-scale data aggregation keeps aged lead prices competitive.
- AI & Data Quality Rising: Improved verification and enrichment tools are enhancing contact rates and email/phone accuracy.
- Regulatory Pressure: New TCPA interpretations and state privacy laws may affect sourcing and pricing.
- Agent Recommendations: In 2024, agents are blending aged and real-time leads for a balanced prospecting pipeline, prioritizing platforms with transparent pricing and filtering.
Making Aged Insurance Leads Part of Your 2024 Sales Strategy
Aged insurance leads remain one of the most cost-effective ways to fill your agency’s pipeline. Their low acquisition cost, paired with savvy follow-up, can generate solid revenue despite lower individual conversion rates. Always compare vendors, understand price structures, and align purchase volumes to your team’s follow-up bandwidth.
Agents serious about optimizing their lead spend in 2024 should test, track, and iterate to find the mix of lead age, type, and pricing that delivers the highest ROI.
