Aged insurance leads are old quote requests, resold after the first buyers are done with them, for a few cents to $4.50 a record at the vendors below. They are worth it if you have spare hours, dial by hand and scrub the list first. They are a bad idea if you plan to text or autodial them.
Nearly every page ranking for this term is a vendor or an affiliate, and the verdict is always yes. Ours is sometimes, and this page is the when.
The short version
- Worth it when you have producer hours nobody is using, you work the list by phone and email by hand, and each policy pays enough to cover a lot of dialing.
- Not worth it when you plan to text, autodial or use a prerecorded or AI voice, when you cannot scrub the list first, or when fresh leads and referrals are already going uncalled.
What aged leads cost in September 2026
The vendors’ own published prices per record, as listed in September 2026:
| Vendor | Line | Lead age | Price per lead |
|---|---|---|---|
| Aged Lead Store | Life | 3 to 30 days | $4.50 for under 250, down to $2.00 for 25,000+ |
| 31 to 85 days | $2.50 down to $0.60 | ||
| 86 to 365 days | $0.80 down to $0.25 | ||
| Aged Lead Store | Auto | 3 to 30 days | $3.50 down to $1.00 |
| 31 to 85 days | $2.00 down to $0.70 | ||
| 86 to 365 days | $0.75 down to $0.25 | ||
| InsureLeads | Final expense | 30 to 90 days | $3.00 |
| 91 to 180 days | $1.75 | ||
| 181 to 365 days | $1.00 | ||
| Over 365 days | $0.50 | ||
| Second Chance Leads | Auto, home, life, health | Not broken out | $0.03 to $0.50 |
For scale, InsureLeads’ rate card lists $50 for a fresh exclusive final expense lead. The same vendor’s 30-to-90-day record costs $3.
The sticker is not the whole price. Aged Lead Store’s FAQ sets a minimum order of $100 to $200, and it replaces wrong or disconnected numbers only up to a 20% cap. Scrubbing costs extra, and a Do Not Call hit is not among the things it lists as replaceable. For how aged prices compare with every other format, see how much insurance leads cost.
How age tiers work
A lead’s age counts from the day the consumer filled in the form, not the day you bought it. Each vendor cuts its own bands, and the price falls with each one because the odds of reaching a buyer fall with it.
Every aged record also has a history, and the tier does not tell you what it was. It may have been exclusive once, shared with several agencies, or sold again and again. One agent on r/InsuranceAgent recalls that their first IMO had new agents buy aged leads that other agents had bought six weeks earlier and failed to sell. Vendors describe resale in different ways:
- InsureLeads says aged leads are not exclusive unless they have genuinely never been resold.
- AgedInsuranceLeads rotates names so two buyers do not get the same record at once, then sells it again when the pool runs out.
- Second Chance Leads lists aged-lead competition as “low (exclusive to you).”
Ask what “exclusive” means before you pay extra for it. The same trap exists with fresh leads, covered in exclusive vs. shared insurance leads.
Why contact rates drop
They already bought. People shop for insurance in a burst. Many who were serious on day one have a policy by day sixty.
They have been called a lot. A fresh shared lead hears from several agents in the first hour. An aged one has heard from everyone who bought it since.
The number belongs to someone else now. The FCC estimated that about 35 million numbers are disconnected and made available for reassignment each year. A year-old list carries some of them.
Your caller ID gets flagged. When one agent’s pickup rate on aged life leads collapsed, the replies blamed spam labeling, and one said that dialing the same number two or three times in a row is a sure way to earn it. Space your attempts and check how carriers label your numbers.
They do not remember the form. Your opener has to work without that memory. Say who you are, what they asked about, roughly when, and confirm one detail from the record. Then ask a question.
The consent problem: does an old web form still cover you?
Agents ask how long after a quote request they are allowed to call. Vendors rarely answer. The federal rules in 47 CFR 64.1200 answer most of it.
Written consent has no expiry date, but it has to name you. The rule defines prior express written consent as a signed agreement that authorizes “the seller” to call a specific number. Nothing in it sets a time limit. But if your agency was not named on the form the consumer submitted, the form never covered you. The vendor sold you the record, not the consent. Aged Lead Store’s FAQ puts meeting consent requirements on the buyer.
The Do Not Call exception for inquiries lasts three months. A business making a telephone solicitation to a number on the national registry needs either a signed written agreement naming it, or an established business relationship. An inquiry creates that relationship with the business the consumer asked, for three months. After that, even that business needs the written agreement. So when a vendor tells you a recent insurance inquiry makes DNC status irrelevant, as one told an agent in this thread, ask whose relationship it is.
Consent can be revoked at any time, by any reasonable means, and the rule gives you ten business days to honor it.
Numbers change hands. The FCC’s Reassigned Numbers Database tells you whether a number has been permanently disconnected since the date you enter, which should be the date consent was obtained. The older that date, the more likely the number now belongs to someone who never agreed to anything.
Automated channels need consent that names you. Autodialed or prerecorded telemarketing calls to cell phones need written consent, and the FCC treats texts as calls under that rule. AI-generated voices count as artificial voices, the FCC ruled in 2024. Carriers go further than the law. CTIA’s messaging principles tell senders not to use opt-in lists that were rented, sold or shared.
States add their own rules. Florida’s Telephone Solicitation Act requires written consent for sales calls and texts made with an automated system for selecting and dialing numbers, with $500 per violation and up to triple for willful ones. Florida also caps sales calls at three per 24 hours to the same person on the same subject, between 8am and 8pm (501.616(6)). Licensed agents are not exempt from that cap: the exemptions in 501.604 expressly keep 501.616(6) in force. A cadence that redials an aged list three times in an afternoon breaks it on the fourth attempt.
Some vendors are out of date. AgedInsuranceLeads’ FAQ still tells agents the FCC’s one-to-one consent rule takes effect in January 2025 at the earliest. The 11th Circuit vacated that rule that same month. One aged-lead guide on page one schedules texts on days four and ten, while the same site’s legal page says purchased leads should not be texted. The legal page is right.
The practical answer. Treat an aged lead as a cold contact unless its consent record names your agency. Call by hand, between 8 a.m. and 9 p.m. in the consumer’s time zone, to numbers you have scrubbed. Email and mail are fine. This is not legal advice, and if you buy at volume, have a TCPA attorney review the process before the first dial.
A cadence for an aged list
Before the first dial:
- Scrub against the national Do Not Call registry, using a copy no more than 31 days old, which is what the rule’s safe harbor requires. Add the state lists where you call, your own opt-out list and a phone validation pass.
- Query the Reassigned Numbers Database with each lead’s original form date.
- Sort by age and work the youngest records first.
- Ask the vendor whether they will scrub before you pay, so you are not billed for numbers you cannot call.
Then, per lead, over three weeks:
| Day | Touch |
|---|---|
| 1 | Short email from a named person: what they asked about, when, and a time to talk |
| 1 | Call 1, by hand, late afternoon or early evening |
| 3 | Call 2 at a different time of day, with one live voicemail |
| 6 | Email 2 with something useful and no pitch |
| 8 | Call 3 |
| 12 | Call 4, on a different day of the week |
| 15 | Email 3, closing the file |
| 21 | Call 5, the last |
After that, move non-responders to a quarterly email. For P&C, if you learned the renewal date, call a month before it. Honor every opt-out the day it arrives, and keep it forever. No texts, no autodialer, no prerecorded or AI voice and no ringless voicemail, unless the consent record names you. Aged Lead Store’s own FAQ warns buyers off autodialers, prerecorded and AI voices, and ringless voicemail.
The break-even math
Break-even close rate = (price per lead + labor per lead) ÷ commission per policy
Here it is with example numbers. Replace each one with yours. Five manual call attempts at about 50 dials an hour, with producer time valued at $25 an hour, is $2.50 of labor per lead.
| Example | Lead price | Labor | Cost per lead | Commission per policy | Break-even close rate |
|---|---|---|---|---|---|
| Aged final expense, 91 to 180 days | $1.75 | $2.50 | $4.25 | $600 | 0.7%, about 1 in 141 |
| Aged auto, 31 to 85 days | $1.25 | $2.50 | $3.75 | $120 | 3.1%, about 1 in 32 |
| Fresh exclusive final expense | $50.00 | $2.50 | $52.50 | $600 | 8.8%, about 1 in 11 |
The lead prices come from the vendor tables above. The labor and commission figures are illustrative.
Two things jump out. At aged prices, labor is most of the cost, so aged leads turn money into hours. One final expense policy at break-even is about 700 dials, or 14 hours on the phone. And low-commission lines need a close rate that aged lists struggle to reach. When a new final expense agent asked what was typical, one reply put it at one client per 150 leads, and another passed on, secondhand, two or three sales per 100 calls. Use your own numbers.
Run your own figures through the insurance lead cost calculator.
When aged leads are a bad idea
- You plan to text them, autodial them, or use a prerecorded or AI voice.
- You cannot scrub against the Do Not Call registry and reassigned numbers before dialing.
- Fresh leads or referrals are already going uncalled. Fix speed to lead first. Those leads are worth more than any aged list.
- You are a new agent handed an unscrubbed sheet by your agency, as one agent describes happening to them. The calls are yours, and so is the exposure.
- The vendor cannot tell you where the leads came from or produce a consent record for a sample.
- Your commission per policy is small and your hours are not free.
When they are worth it
- You have producers with open hours who need conversations, and they dial by hand.
- You sell final expense or life, where one policy pays for a lot of dialing.
- You sell face to face. Aged Lead Store lists direct mail and door knocking among the ways buyers use its leads, and the phone rules above govern neither.
- You start with your own old quotes, which nobody else bought and whose consent you can check.
If you would rather own the list
Aged leads are the cheapest way to rent attention, and renting builds nothing you keep. You can build a pipeline of your own, using our guide to getting insurance leads without buying them. Or you can have it run for you, which is what Perspicality does for insurance agencies. We source the prospects and run outreach from our own registered numbers and domains. It takes weeks to start, not days. The insurance leads guide compares every option, and our list of insurance lead companies covers the vendors.
The bottom line
Aged leads are cheap because most of their value is gone. Price them in hours, not dollars. If the math still works, dial by hand, scrub first, start with the youngest tier and your own old quotes, and never text a record whose consent does not carry your name.
Common questions
Are aged insurance leads worth it?
They can be, if you have spare hours, dial by hand, scrub every list against the Do Not Call registry, and sell a line with a decent commission per policy, such as final expense or life. They are not worth it if you plan to text or autodial them, or if fresh leads and referrals are already going uncalled. At aged prices the lead is cheap and the hours are the cost.
How much do aged insurance leads cost?
As listed in September 2026, Aged Lead Store charges $0.25 to $4.50 per life lead depending on age and volume, InsureLeads charges $0.50 to $3 for aged final expense leads by age band, and Second Chance Leads quotes $0.03 to $0.50. Older records and bigger orders cost less. Minimum orders, return caps and scrubbing costs change the real price.
Who has the best insurance leads?
No vendor is best for every agency. The best source is the one with the lowest cost per issued policy for your team, with a consent record you can produce if someone complains. Test any vendor on 50 to 100 leads, track contact and close rates by source, and compare. For fresh and aged options side by side, see our list of insurance lead companies.
How long after a quote request can you call an aged lead?
Federal rules put no expiry date on written consent, but that consent has to name your agency and the number. If it does not, the lead is a cold contact. For a number on the Do Not Call registry, an inquiry lets the business the consumer asked call for three months. After that, even that business needs signed written permission. Check your state's rules too.
Do aged leads need to be scrubbed against the Do Not Call list?
Yes, unless the consent record names your agency. Federal rules protect registered numbers from telephone solicitations, and the safe harbor requires a version of the national registry no more than 31 days old. Scrub state lists and your own opt-out list too, and check the FCC's Reassigned Numbers Database using the date the consumer filled in the form.
Can I text aged insurance leads?
Not safely, unless the consent record names your agency and that phone number. Federal Do Not Call rules cover texts to cell phones, autodialed texts need written consent that names the seller, and the wireless industry's messaging principles tell senders not to use opt-in lists that were rented, sold or shared. Email and manual calls to scrubbed numbers are the safer channels.
