For independent insurance agents
“Leads are going crazy bro. 3 drops today, total APV $6,579.” — Sebastian, Life & final expense
“Yesterday I got 36 drip ins out of my 100 and closed 6.” — Steven C., Final expense
“First lead on the SMS leads — approved his first day. This thing is cracked.” — Mena, Final expense
“Bakc to back closes.” — Jackson M., Life & final expense
“2 out of the first 3 leads closed on the 5k sms pack.” — Zach, Life & final expense
You're not buying leads.
You're renting your own slice of an outbound engine.
Instead of buying leads, you reserve a block of opted-in contacts and select your states. Our system automatically runs the outreach to between 5,000 and 20,000 contacts and routes every interested lead directly to you, in real time.
- ✓Three campaigns to choose from — life & final expense, auto, or homeowners, each with its own script and pricing
- ✓Every positive routes to your portal seconds after they reply — plus SMS alert to your phone
- ✓Guaranteed floor of 55 leads — with no ceiling: we've seen 80+ on a single order
- ✓Works out to ≈ $9 per real-time lead — the industry pays $40–$50 for the same
Every pack delivers at least 55 exclusive, real-time leads — 40 interested + 15 qualified, in every vertical.
If you're short, we keep blasting at our cost until you're not. Every pack, every time — no fine print. Floors scale with size: 110 leads on a 10K, 220 on a 20K.
- ✓Trusted by 50+ active agents
- ✓~10% avg close on beneficiary leads
- ✓~3% avg close on interested leads
Three products · one engine
Pick the one you're licensed to sell.
These are three separate campaigns, each with its own script, its own qualifying question, and its own pricing. The pack, the portal, the guarantee, and the compliance are identical across all of them — you just buy the one that matches your license.
Term, whole life, mortgage protection, and annuities all run off the life script. Adding a vertical is a script change, not a data problem — we already hold the contacts. See all industries →
The process
Watch a lead get made.
So what does "buying a 5K pack" actually mean? It's 5,000 previously opted-in contacts our system automatically runs outreach to. We send the 5,000 messages, filter out every bad response, and drip all the interested and qualified leads into your portal. That's it — the loop below is what one of those 5,000 conversations looks like up close, running the life and final expense script. Auto and homeowners run the same loop with their own question →
- 01
We blast thousands of texts
On our registered 10DLC numbers, from our system. You never send a thing and you never see the blast — not your number, not your name, not your problem.
- 02
AI filters every reply
Only people who say yes count. Interested replies get asked the qualifying question for your vertical — who the policy is for, or who carries their coverage now. The no's, stops, and silence? You never see them.
- 03
Positives route to your portal
Warm leads only, dripping in seconds after they reply — with the full SMS history so you can read exactly what was said. Your portal plus a text to your phone. That's all you ever touch.
Deborah · OH
(614) 5•• ••41
| Lead | Phone | St | Age | Type | Beneficiary | Their reply | Added |
|---|---|---|---|---|---|---|---|
| Ronald C. | (832) 2•• ••17 | TX | 58 | POS | — | “How much would it run me a month” | 4m ago |
| Gloria S. | (305) 8•• ••93 | FL | 67 | POS | — | “Call me after 3” | 9m ago |
| Willie J. | (470) 6•• ••28 | GA | 61 | BENE | Wife | “My wife. What's the next step” | 16m ago |
| Patricia H. | (215) 3•• ••64 | PA | 55 | POS | — | “Yes send me the information please” | 23m ago |
| Charles D. | (816) 3•• ••76 | MO | 68 | BENE | Son — Marcus | “My son Marcus. How much coverage” | 31m ago |
| Brenda K. | (205) 6•• ••52 | AL | 59 | POS | — | “Can you call me tomorrow morning” | 38m ago |
Full columns in the real portal: address, city, ZIP, email, DOB, credit, health flags, notes, statuses & the complete SMS thread.
Agent testimonials
What licensed agents say
about the engine.
Independent agents working Lumitide packs, in their own words.
Sebastian · Life & final expense
$6,579 APV written in a single day
Steven C. · Final expense
6 closes off 36 conversations in one day
Mena · Final expense
First policy written his first day on SMS leads
Jackson M. · Life & final expense
Zach · Life & final expense
2 of 3 first leads closed on a 5K pack
Nolan H. · Life & final expense
7 closed off 30 leads, day one on a 10K pack
Keaton · Life & final expense
2 of 4 first leads closed
50+ agentsResults vary — these agents dialed fast and worked their leads. We guarantee the lead count, you bring the closing. Read every agent message →
Agency partnerships
Agents rent a slice.
Agencies rent the whole engine.
Alongside the packs, we run white-labeled lead systems for agencies and lead companies — their brand on the portal, their routing rules, their agents. Between them, these four are responsible for well over seven figures a month in issued premium — written by their agents, off leads Lumitide produced.
Upper Echelon↗
Agency — white-labeled engine and custom portal for their agent force
Catalyst Group
Agency — campaigns run for their downline
Enhance Companies↗
Agency — campaigns run for their downline
Dominion Lead Co.↗
Insurance lead company — supply partner
Case study · Upper Echelon ↗
658,013
Contacts messaged
across their campaigns
14,861
Leads created
delivered to their agents
5,225
Beneficiary-verified
named who the policy is for
$568,106
Projected commission
conservative close rates × their avg commission
$26,320 spent over Mar 17 – Aug 10, 2026, against a projected $568,106 in commission off the leads it produced.
Plus a fully white-labeled portal with admin and agent permissions, custom routing, drip, tunable AI classification, billing, and an API into their own CRM. Read the full case study →
Lead counts are measured off their campaign record. Dollar figures are modeled — average reported close rates applied to leads delivered, at their average commission per policy. Not a promise about what another agency would do.
Why we're different.
One engine. Many slices. Your leads are only yours.
There's a campaign engine already running every day — the numbers, the data, the AI, the compliance. A pack rents you a slice of it. Your slice runs in your states, and every lead it produces routes only to you. That's the whole model — and it's why everything in the table below breaks in your favor.
| Lumitide pack | “Real-time” lead platforms | Aged lead lists | Running your own Meta ads | |
|---|---|---|---|---|
| Cost per lead | ✓~$9 (pack ÷ 55-lead floor) | $40–$50 each | $1–$5 — but see the next row | $15–$30+ of ad spend per raw lead (learning phase alone runs $1,000–$2,000, industry average) |
| Exclusivity | ✓100% yours. Never resold, never split | Often sold to 5 agents at once | Resold 5–8+ times over months | Yours — you paid retail for every click either way |
| Speed to your phone | ✓~3 seconds after their reply | Real time to minutes — and you race every other buyer | Weeks or months old | Instant form fills — speed isn't the problem, quality is |
| How the lead was made | ✓Replied to our text about coverage — today | Web form fill, often incentivized — people who don't fully realize what they signed up for | Old form fills of unknown origin | Clicked an ad, phone autofilled the form — half don't remember doing it |
| Proof it's real | ✓Full SMS thread with timestamps — read exactly what they said, and when | No conversation. You take the platform's word | None | A form submission. No conversation, no intent check |
| Data per lead | ✓Name, phone, address, email, DOB, credit band, the qualifier for your vertical (beneficiary, or carrier + renewal date), full reply | Name + contact info, a few form fields | Basic contact info, often stale | Whatever your form dared to ask — every extra field tanks conversion |
| Delivery | ✓Your own live portal + SMS alert to your cell on every lead | CRM export or email drip | A CSV file | Meta's leads center + Zapier duct tape you maintain |
| Guarantee | ✓55-lead floor per pack — free re-blast until whole (best we've seen: 107) | Pay per lead. No floor, no promise | None. All sales final | None. Meta bills you whether leads come or not |
| Dead or fake numbers | ✓Structurally impossible — every lead replied from their own phone, so the number is proven live | Fake and mistyped form numbers are common — dispute and hope | A chunk of the file is disconnected | Autofill typos and burner numbers are notorious |
| What it takes from you | ✓Pick a pack. Answer your phone | Compare platforms, manage budgets and disputes | Grind a cold dial list | A second job: creatives, audiences, budgets, pixel tracking, account bans |
Cost per lead computed at the guaranteed floor — packs that deliver above it (most do) cost less per lead. Platform and aged-list figures are typical market ranges for exclusive insurance leads; your mileage with them is exactly the problem.
This is the product.
A portal that fills itself.
This is a live demo — go ahead, click around. Change a status, open a conversation in the Inbox, add a note. Wait a few seconds and a new lead drips in, exactly like your real order. No CRM to buy, no spreadsheet to babysit.
- POSInterested — asked about price, coverage, or said call me
- BENEBeneficiary-verified — told us who the policy is for
- SMSEvery new lead also texts YOUR phone — name, state, and their reply — so you can dial back even when the portal isn't open
What to expect
The floor is guaranteed.
The ceiling isn't.
These aren't projections — they're live averages pulled from 50+ active agents across current and previous campaigns (550,000+ messages in the past 8 weeks), measured on life and final expense. Your floor is 55 leads guaranteed — 40 interested, 15 qualified, and it's the same floor in every vertical. There is no cap on the upside: we've watched a single pack hand one agent 73 interested and 34 beneficiary leads.
Active agents on this engine50+
Reply rate7.4%
Interested (positive) rate1 in 65 sent
Beneficiary-verified rate1 in 230 sent
Typical pack — interested50–100 leads
Typical pack — beneficiary18–33 leads
Guaranteed floor, every pack55 (40 + 15)
Best single pack we've seen73 + 34
Avg agent close — bene / interested10% / 3%
“Interested” means a real human replied expressing interest in coverage. “Qualified” means they answered the follow-up that matters in their vertical — who the policy is for on life, their carrier and renewal date on auto, ownership and carrier on homeowners. The rates above were measured on life and final expense campaigns; auto and homeowners carry the same guaranteed floor while their own yield data builds. Ranges reflect campaign-to-campaign spread on fresh lists; your pack’s exact yield depends on states and data availability. Floors are per starter pack and scale with size — the guarantee is the minimum, never the expectation. Full pack-by-pack breakdown →
Run your own math
You need less than one close to break even.
Plug in your commission and your close rates. The lead counts are the conservative end of a 5K pack — not the average — and the close-rate defaults are what our active agents actually report: ~10% on beneficiary leads, ~3% on interested.
Your assumptions — move them
One 5K pack$499
Expected policies written3.5
Expected commission$2,450
Break-even0.7 closes
Illustration, not a promise — we guarantee lead counts, you bring the closing. Commission figures are yours to know; renewals not included.
Launch pricing
Pick a pack. Leads start landing this week.
One flat price per campaign — no subscription, no per-lead games. Every pack carries a guaranteed lead floor: if we miss it, we re-blast free until you’re whole.
Each product is priced on its own — pick yours to see its packs.
5K Pack
$499
one-time · per campaign
- ✓5,000 consumers texted
- ✓50–100 interested · 18–33 beneficiary
- ✓40 + 15 guaranteed — or free re-blast
- ✓Live portal with full conversations
- ✓Leads are exclusively yours
10K Pack
$899
one-time · per campaign
- ✓10,000 consumers texted
- ✓100–200 interested · 36–66 beneficiary
- ✓80 + 30 guaranteed — or free re-blast
- ✓Live portal with full conversations
- ✓Leads are exclusively yours
20K Pack
$1,799
one-time · per campaign
- ✓20,000 consumers texted
- ✓200–400 interested · 72–132 beneficiary
- ✓160 + 60 guaranteed — or free re-blast
- ✓Live portal with full conversations
- ✓Leads are exclusively yours
Floors guaranteedAt checkout you pick the states you're licensed in and the cell number for instant lead alerts — campaigns only target your states, and every new lead texts your phone. We confirm within 1 business day, then launch. Questions first? Email support.
Fair questions
Which types of insurance do you run campaigns for?+
Three today: life and final expense, auto, and homeowners. The engine, the pack, the portal, and the guarantee are identical across all three — what changes is the message we text and the qualifying question we ask after someone says yes. Term, whole life, mortgage protection, and annuities all run off the life script. We do not currently run Medicare or ACA campaigns. Each vertical has its own page with the real script and what we promise.
What exactly counts as an “interested lead”?+
We text a consumer about coverage in your vertical — life options for your family, a rate comparison on your auto policy, a look at your homeowners rate. An interested lead is someone who answered yes: “yes,” “sure,” “tell me more,” “how much,” “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.
What's the difference between an interested lead and a qualified lead?+
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 vertical: on life, who the policy would be for (BENE); on auto, their current carrier and renewal date (RENEW); on homeowners, whether they own the home and who carries it now (OWNER). That second answer is the difference between curious and workable, which is why it gets its own tag and its own guaranteed count. Every pack guarantees both: 40 interested and 15 qualified minimum.
Why only 15 qualified but 40 interested?+
Because the qualifier takes an extra step: after someone says yes, we ask the follow-up — and not everyone answers it. Across 550,000+ life and final expense texts, about 1 in 65 people replies interested, while roughly 1 in 230 goes on to name a beneficiary. The 40 + 15 floor sits deliberately below both averages so we can guarantee it on every pack, in every vertical — most packs deliver above it on both counts.
Are these leads exclusive to me?+
Yes. Every lead in your pack routes only to your portal. We don’t resell, recycle, or split them.
What happens after I buy?+
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.
How do I know the second a lead comes in?+
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.
How long does it take to fulfill my leads?+
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.
Who sends the texts? Is this compliant?+
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.
What do I need on my end?+
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.
How do I reach a human?+
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.
Do you have a referral or affiliate program?+
Yes — you get a personal link, and every agent who buys through it earns you cash or credit toward your own next pack, with tiers that climb as your signups stack. One ladder covers life, auto, and homeowners: 10% of the pack price in cash or 20% in credit to start, up to 25% cash or 35% credit at the top tier. On a $499 life 5K pack that's $50–$125 cash or $100–$175 credit, and it scales with the pack. Details on the affiliates page.
Why is this so much cheaper than buying leads per-lead?+
Aged internet leads run $1–5 each and get resold to five agents; fresh exclusive leads run $20–50 each. A 5K pack at the guaranteed floor works out to about $9 per exclusive, minutes-old lead — 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.
Want the whole post-purchase sequence in order — what we ask for, when it launches, how leads reach you, and what happens if a pack runs short? Read what happens after you buy →