Final expense agents live and die by the list. If you’re buying high-cost leads and still struggling to close, it’s time to rework your sourcing strategy.
Here’s the truth: you don’t need to spend $20 a lead to book your next sale. You just need the right filters, consistent follow-up, and a cost-effective buying plan.
Let’s walk through how to buy final expense leads that convert—without wrecking your budget.
Start with Aged Leads (and Ditch the Hype)
Real-time leads sound great—until you’re competing with five agents on every call and paying $30+ a pop.
Aged leads?
They’re opt-in, validated, and priced for volume. At $0.30 to $0.75 each, you can hit 10x more prospects for the same spend.
Better yet, you can filter by state, lead age, and coverage interest. That means more control and less waste.
Use These Filters to Zero in on Quality
Not all aged leads are created equal. Smart agents filter for buyers who match their license, product, and sales style.
Here’s what to focus on:
- Age Range: 50–80 is your sweet spot
- Geography: Filter by state or ZIP to match your license and carrier map
- Coverage Interest: Prioritize $5K–$25K coverage seekers (not $100K term buyers)
- Lead Age: 30–180 days old is a solid zone for cost + contactability
- Insurance Type: Look for “burial” or “final expense” over generic “life insurance”
These filters let you customize by campaign, test new markets, or double down on areas that convert.
Understand Final Expense Lead Pricing
Here’s what you can expect to pay for aged final expense leads in 2025:
| Lead Age | Cost per Lead | Typical Conversion Rate |
| 30–60 days | $0.60–$0.75 | 3%–5% |
| 90–180 days | $0.30–$0.55 | 1.5%–3% |
| 6–12 months | $0.25–$0.35 | 1%–2% |
With the right cadence, even 6-month-old leads convert. And you can work them without sweating every dial.
Want to explore pricing by age and volume?
👉 How Much Do Aged Leads Cost?
Tips to Work Final Expense Leads Smarter
Final expense buyers need a guide—not a pitch. They’re shopping with emotion, price sensitivity, and urgency. You need empathy + a process.
Top agents do this:
- Call within 24 hours of download
- Lead with “helpful” language, not sales hype
- Use drip SMS + voicemail to stay top-of-mind
- Offer choices: monthly premium or total policy cost
- Keep calling—up to 7 touches over 30 days
Don’t overthink it. Stick to your script. Let your system do the heavy lifting.
Need one?
👉 Download Our Final Expense Call Script
👉 Read: How to Work Aged Leads Effectively
Final Word: You Don’t Need Perfect Leads—You Need a Process
Buying final expense leads is easy. Closing them is about follow-up, filtering, and dialing with discipline.
Aged leads give you the volume, affordability, and flexibility to grow. Filter smart. Call often. Build your system—and stay consistent.
👉 Get your next 1,000 leads under $500. Buy Final Expense Leads Now
Related Reading
- How to Work Aged Leads Effectively
Turn $0.40 leads into booked appointments with a consistent cadence. - Final Expense vs Term Life: Which Sells Better?
Compare sales tactics, close rates, and lead pricing for each strategy. - Best Times to Call Final Expense Leads
Timing is everything—especially with older leads and senior buyers.
