Lumitide.

What to expect

Exactly what you get, pack by pack.

Everything below comes from live campaign logs — 550,000+ texts across current and previous campaigns, with 50+ active agents taking leads off this engine. No projections, no best-case math.

The rates on this page were measured on life and final expense campaigns. Auto and homeowners packs carry the identical guaranteed floor while their own yield data builds — see what each vertical promises →

Per pack

PackConsumers textedTypical interestedTypical beneficiaryGuaranteed floorWorst-case $/lead
5K — $4995,00050–10018–3355 (40 + 15)$9.07
10K — $89910,000100–20036–66110 (80 + 30)$8.17
20K — $1,79920,000200–40072–132220 (160 + 60)$8.18

Floors are minimums, not targets — if a pack lands short, we keep blasting at our cost until you're whole. The ceiling is uncapped: the best single pack we've seen delivered 73 interested + 34 beneficiary leads. Worst-case $/lead is the price divided by the floor; every lead above the floor pushes it lower.

The engine, in numbers

Active agents on this engine50+

Reply rate7.4%

Interested (positive) rate1 in 65 sent

Beneficiary-verified rate1 in 230 sent

Avg agent close — beneficiary leads~10%

Avg agent close — interested leads~3%

Timing

Fulfillment is 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 that day, half the following day. Each lead hits your portal about three seconds after the consumer replies, and an SMS alert hits your cell at the same moment.

What counts as a lead

Interested (POS) — we asked about coverage in your vertical and they said yes: “yes,” “sure,” “tell me more,” “how much,” “call me after 3.” Their exact reply comes with the lead.

Qualified — they went a step further and answered the follow-up that matters in their vertical: who the policy would be for on life (BENE), their carrier and renewal date on auto (RENEW), or ownership and current carrier on homeowners (OWNER). On life that's the strongest buying signal in the business, which is why those close around 10% versus ~3% on interested leads.

Opt-outs, “stop” replies, and obvious trolls never count toward your totals.

Every lead arrives with

Name, phone (proven live — they texted from it), address, city, state, ZIP, email, date of birth, credit band, and the full SMS conversation with timestamps. Life and final expense packs also carry pre-existing conditions, health flags (depression, high blood pressure, cancer, family history) and the named beneficiary; auto and homeowners packs carry current carrier, renewal timing, and ownership confirmation where given. It all lands in your portal, exportable any time.

Pick a packOr watch the portal demo →