Notes from the recording Wants about $10,000 for funeral costs. Takes blood pressure medication. Has a checking account. Asked for an afternoon callback with her daughter on the line.
Notes from the recording Caller was looking for Medicaid nursing home help for her father, not life insurance.
Returned to your balance at 2:55 PM$65.00 back
Example calls for illustration. Your desk shows a receipt like this for every call, kept for five years.
Where your calls come from
See the ad before you buy the call.
Honest ads bring callers who want coverage, not a free benefit. Ours are open for you to read.
One of our ads (example)
Licensed insurance agencySponsored · Final expense life insurance
What does final expense life insurance actually cost? Talk it through with a licensed agent.
You'll speak with a licensed insurance agent.Call now
Ad library: every live ad, the date it started and the calls it produced, open to every agent. Planned
The greeting every caller hears
Thanks for calling about final expense coverage. This call is recorded for quality and your records.
In a moment you'll be connected to a licensed insurance agent who can talk with you about final expense life insurance. We are not a government agency.
Press 1 if you're calling about coverage for yourself, or 2 for a parent or family member.
Please say the state you live in.
Your phone rings. Your buffer starts when you answer.
About 20 seconds. Adult children calling for a parent are labeled on the receipt so you know who is on the line.
Our ads never say
Free money, grocery cards or cash benefits
A government, state, Social Security or Medicare program
Coverage at no cost to the caller
Seals, flags, logos or anything that looks official
Approval promised before the health questions
Anything that guesses the viewer's age, health or money
Pricing
$65 to $70 per call. You see your rate before you pay.
English and Spanish calls are the same price, and a TV (CTV) call costs a little more. Every call uses one 90 second buffer. Your rate is locked when the phone rings, and any increase gets 7 days notice.
Digital ads
English inbound
$65per billable call
Callers who dialed from a video, social or search ad.
Three things we hold ourselves to, and you can check them.
Measured over your first 10 business days. Your desk shows the score. These are commitments about our service, not a guarantee of calls, sales or income.
Calls arriveWe ring at least 5 calls inside your states and hours in your first 10 business days of Taking calls.
Calls are realApproved credits stay at or under 15% of your billable calls.
Answers are fastEvery credit request gets a written answer within 1 business day.
If we miss one
We call you, show you the numbers and agree on a fix with you, such as credits or a pause.
Your unused balance
How unused balance is handled is written into your agreement, which you read before you add a balance.
Calls arrive5 or more calls in your states and hours
7 of 5
✓
Calls are realApproved credits at or under 15% of billable calls, judged from 10
1 of 12 (8%)
✓
Answers are fastCredit answers within 1 business day
1 of 1 on time
Your desk
You decide when, where and how many.
Tap Away before an appointment. Nothing rings until you're back.
Rings your cell or browser
Nothing to install.
Your states, your hours
From your license, in your time zone.
Caps and Away
Daily caps, one call at a time.
Cost per sale Planned
Post a sale, see what it cost.
desk / today
Balance
$195.00
Calls today
4
Billable
2
Our side
3 of 3
Example call log
Time
Caller
Talk
Status
1:15 PM
LA For a parent · 55 to 64
3:10
Credited
11:07 AM
OK For self · 65 to 74
0:52
Not charged
10:42 AM
TX For self · 65 to 74
11:48
Charged
9:31 AM
AR For self · 75 to 85
14:02
Charged
Recording + notes on every rowExample data
Run your own numbers
What a sale costs you, before you spend a dollar.
Examples, not a promise of results.
Cost per written app
$361
Per placed policy
$451
Break-even close rate
9.0%
Spend a month (22 days)
$7,150
Placed policies a month
15.8
Commission a month
$14,256
Most you could pay per call
$130
Examples, not a promise of results. Before chargebacks, lapses and your own costs. Break-even is the close rate where commission on placed policies equals what you spent on calls. Vendors publish 15% to 25% close rates for exclusive inbound final expense calls (self-reported, October 2026); new agents usually start lower.
Licensing per state, recording notices, callbacks and texts, the California senior disclosure, Medicare, and records. Not legal advice.
Read the guide
Questions agents ask
Before you fund a balance
Are these calls shared with other agents?
No. Each call rings one agent. Our calls come from ads Axel PR runs itself and are never sent into a shared call exchange, never transferred to a second agent, and never resold after you take them. The receipt for every call says Sold: 1 time, to you.
Who are the callers?
Mostly people 50 to 85 asking about life insurance to cover funeral and final costs, plus adult children calling for a parent. The greeting asks who the coverage is for and which state they live in, and both answers show on your receipt before you say hello.
Are these real inbound calls, or transfers from a call center?
Real inbound calls. The caller dialed the number on an ad we ran. There is no outbound dialing, no purchased list and no call center between the caller and you: a recorded greeting of about 20 seconds, then your phone rings with the caller still on the line.
What will I never be charged for?
Calls that end before your buffer, missed calls and voicemail, calls while you are Away or paused, calls outside your hours, callers outside your licensed states, the same number again within 30 days, and greeting, hold or ring time. The system checks all of these before a call is priced, so you never have to ask.
Can I get my money back?
How unused balance is handled is written into your agreement, which you read before you add a balance. Approved credits for bad calls go straight back into your balance. Separately, over your first 10 business days of taking calls we hold ourselves to three things: at least 5 calls in your states and hours, approved credits at or under 15% of billable calls (judged from 10 billable calls), and every credit answered within 1 business day. If we miss one: we call you, show you the numbers and agree on a fix with you, such as credits or a pause.
What happens if I'm already on a call?
Calls at once is set to 1 unless you change it, so a second call never rings you while you are talking. You can also tap Away before an outbound call or an appointment, and nothing rings until you are back. A call that cannot reach you goes to another agent and is never charged to you.
Do I need special software or a dialer?
No. Calls ring your cell phone or a browser tab on a computer. The desk, where you set your hours, states and caps and see every receipt, runs in any browser on a phone or computer.
Is there a minimum, a subscription or a contract?
No contract and no subscription. You start with a $325 balance, about 5 calls at the English rate, and you can pause or stop any time.
I have traffic or calls to sell. Is this page for me?
No. This program is for licensed agents buying calls. If you run ads or have callers to sell, see Become a Publisher at axelpr.com/exclusive-calls/publishers, where payouts are set per vertical and confirmed in writing.
Axel PR Final Expense Calls is Axel PR's program for licensed final expense agents. It sells live, exclusive inbound calls from people who dialed after seeing a final expense ad. Each call rings one agent, licensed in the caller's state, and comes with the ad, the recording and the billing decision. The agent agreement and billing are with Keel, Axel PR's final expense calls partner.
Axel PR Final Expense Calls sells access to inbound phone calls to licensed insurance agents. It does not sell insurance to agents and does not guarantee sales or income. Agent agreements, billing and card charges are handled by Keel, Axel PR's final expense calls partner. Operated by Axel PR. Insurance is sold only by the licensed agents who take the calls.
Get started
Tell us your states. We'll tell you the volume.
Send a short form. We check your licenses and tell you the volume in your states, then setup takes about 10 minutes.
TodayApply: your NPN, licensed states and how many calls a day
1 dayWe check your licenses and email you the volume we expect in your states
10 minSet up: agreement, call settings, photo ID and a $325 balance. Then switch to Taking calls.
Start here
A short form, then we check your licenses.
Your NPN and the states you are licensed in
How many calls a day you want
No charge to apply. Nothing is billed until you sign the agreement and add a balance.
