Exclusive leads that already said yes to your call.

Four today: private health, auto, homeowners, and life and final expense. The engine, the pack, the portal, and the guarantee are identical across all four — what changes is the message we text and the qualifying question we ask after someone says yes. Supplemental, dental, and critical illness run off the health script; term, whole life, mortgage protection, and annuities run off the life script. We do not currently run Medicare, ACA, or commercial lines campaigns. Each line has its own page with the real script and what we promise.

Yes. The consumer on the other end is someone who wants a quote against what they pay now; which carrier you quote them with is up to you, so captive and independent agents work the same lead the same way. Every text goes out from our own registered numbers — nothing is sent under your name or your carrier's, and your name only appears in the confirm text, after they've already said yes to a quote. If your carrier or agency has rules about third-party lead sources, check them before you buy; text us and we'll send over how the campaign runs for whoever signs off.

Yes — that's who the health script was written for. It texts under-65 consumers who pay for their own coverage, asks who needs coverage and how they're covered today, and hands you the household before you dial. Nobody 65 or older is texted, and the opener never mentions government programs, subsidies, or “$0” plans. The leads are yours alone, so they sit alongside whatever your agency gives you rather than competing with it.

Yes. Life agents run the life script; agents licensed for health or P&C run those. Every agent gets their own portal and their own exclusive leads, and an agency owner can run one account with their downline in it, routing leads by licensed state. If you're buying for a team, text us and we'll set up a standing order split across your agents.

We text a consumer about coverage in your line — private health options for their household, a rate comparison on their auto policy, a look at their homeowners rate, life options for their family. An interested lead is someone who answered yes: “yes,” “send it,” “what would it cost,” “mine went up again,” “call me after 3.” A real person, opting in to hear more, in their own words. Each one arrives with name, phone, state, and the exact reply so you can read it yourself. Opt-outs, wrong numbers, and “stop” replies never count toward your total.

An interested (POS) lead replied wanting to know more. A qualified lead went one step further and answered the follow-up question that matters in their line: on health, who needs coverage and how they're covered today (COVER); on auto, their current carrier and renewal date (RENEW); on homeowners, whether they own the home and who carries it now (OWNER); on life, who the policy would be for (BENE). A V2 went one step past even that. Once they've answered the qualifier, we text them back with your name and the number you'll be calling from and ask whether that's okay — and a V2 is someone who said yes. They are not expecting “an agent” at some point. They are expecting you, from that number, today. Every pack guarantees both tiers: 40 interested and 20 V2 minimum.

Because every step costs you people. After someone says yes we ask the qualifying follow-up, and not everyone answers it; of those who do, not everyone confirms the call. Across 550,000+ life and final expense texts, about 1 in 65 people replies interested and roughly 1 in 230 goes on to name a beneficiary, and the confirm question takes another cut after that. The 40 + 20 floor sits deliberately below what a pack typically returns so we can guarantee it on every pack, in every vertical — most packs deliver above it on both counts.

It still lands in your portal, in full, seconds after they replied — same name, same phone, same thread, same household, carrier, ownership, or beneficiary answer. It just counts toward the interested side of the floor rather than the V2 side. Nothing is held back and nothing is thrown away; the V2 tag is a statement about what the consumer agreed to, not a filter on what we deliver.

Yes. Every lead in your pack routes only to your portal. We don’t resell, recycle, or split them.

At checkout you tell us your licensed states and the cell number you want lead alerts sent to — the vertical is set by whichever pack you bought, so there's nothing extra to pick. We confirm everything by text and email within 1 business day, then launch — your campaign only targets consumers in your states. Your portal link arrives when it goes live, and every lead lands in the portal AND texts your phone with their name, state, and reply.

Two ways at once: the lead drips into your live portal, and an SMS hits the cell number you gave us — name, state, and what they said — usually within seconds of their reply. Speed-to-call is the biggest close-rate lever you have, so we make sure you never find a lead late.

Generally one day, max. Order before 10 AM and your pack usually fulfills the same day — most leads land between 11 AM and 5 PM as replies roll in. Order after noon and it typically splits: about half your leads that day, the other half the following day. Either way, be ready to dial the moment your phone buzzes.

We do, from our own registered toll-free numbers on our own infrastructure, with automatic opt-out handling. Your name isn’t on the outbound message and you’re never the sender — you simply receive people who replied and asked to hear more.

A license for what you're selling in the states you pick, a phone, and the discipline to call leads while they’re warm. That’s it — the portal runs in any browser, no CRM or software to install.

Text (347) 276-0577 — that's the fastest way and it reaches us directly, before or after you buy. Email support@lumitide.tech works too. If you already have a pack running, mention your order number and we'll pull it up while we're talking.

Yes, and it's the strongest one in this business. You get one referral code — text it, post it in your agency group chat or IMO group, put it in a downline broadcast. Every new agent who enters it at checkout gets $50 off their first pack (health, auto, homeowners, or life), and $100 lands as credit on your account. Credit stacks with no cap and rises to $125 per referral from your 5th on, so ten agents is $1,150 off your next pack, cashed out as a single discount code. Every seat in the portal gets its own code, so an agency owner and each of their downline agents refer under their own name and keep their own credit. Details on the referrals page.

Shared auto quote leads run $8–25 and go to three to five agents at once; exclusive ones run $20–50. Aged leads are $1–5 and have been resold for months. Exclusive under-65 health leads run $25–60. A 5K pack at the guaranteed floor works out to $7.50 per exclusive, minutes-old auto lead, and about $9 on health, home and life — because we run the whole pipeline ourselves and this is launch pricing while we build our case-study bench. It won’t stay this low.