Final expense calls, one clear price. Locked before you fund.

$65 per billable English call and $65 per billable Spanish call from digital ads, and $70 for a call from a TV or streaming (CTV) ad, in either language. Every call uses the same 90 second buffer. Your rates show before you fund. There is no platform fee, setup fee or card surcharge.

Because TV and streaming ads cost more to run than digital ads. A call from a TV or streaming (CTV) ad is $5 more, in either language. English and Spanish calls from digital ads are the same price, and you see every rate before you fund anything.

A price increase applies only to calls that ring at least 7 days after we tell you, by email and in your desk; a decrease applies at once. A call is always billed at the price set when it rang, so nothing is repriced after the fact, and you can pause or change your states before an increase starts. Agents who join during the preview pay the lower of today's price and the price on their first billable call, for 90 days after that call.

The buffer is how long a call has to run with you before it is billable. The greeting and ring time never count: the clock starts when you answer. Every call uses a 90 second buffer, which is long enough to confirm interest, age and state before you are charged. A call that ends before it costs nothing.

Sources: Elevarus, pay-per-call buffer settings by vertical (vendor), Elevarus, pay-per-call insurance leads guide (vendor)

So every agent pays the same price for the same call, and the price never depends on a setting. Some vendors sell the same calls at several buffers and charge more for longer ones: one publishes live transfers at $20 for 90 seconds, $25 for 120 and $30 for 180. We use 90 seconds for every call, which industry guides suggest for final expense callers.

Sources: Final Expense Leads Pro, live transfers (vendor)

Not today. Every call uses the same 90 second buffer. The rate on a call is locked the moment your phone rings, so nothing is repriced after the fact.

No. There is no platform fee, setup fee, monthly subscription or card surcharge. Your balance pays only for billable calls, and approved credits go straight back into it.

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.

Tap Request credit on the call's receipt within 7 days and pick a reason, such as no insurance interest, wrong age or a caller who expected a free benefit. A person listens to the recording and you get a written answer within 1 business day. Approved credits return to your balance right away.

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.

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.

Yes, from 200 calls a month for agencies and busy agents. Tell us your states and expected volume when you apply and we will quote it before you fund anything.

Yes. Callers choose Spanish in the greeting and are routed only to agents who set Spanish as a language. If an English-only agent ever receives a Spanish caller, that is our routing error and the call is credited.