How to Buy Annuity Leads: A Step-by-Step Guide

Buying annuity leads isn't complicated, but it's easy to waste money on the wrong thing — shared data, aged lists, or a “marketing company” that's never written a policy. Here's the process I'd use.

1. Confirm you're licensed and compliant

Before you buy anything, make sure you hold the proper state life and annuity licenses and can follow all contact and suitability rules. Leads are only useful if you can legally work them.

2. Decide on exclusive, not shared

This is the fork in the road. Shared leads are cheaper but go to several agents, so you're competing on speed and luck. Exclusive leads cost more and go to you alone, which is where the close rates live. For most agents, exclusive wins. (See Exclusive vs. Shared.)

3. Vet the provider with four questions

Ask plainly: How are these leads generated? Is there a nurture system or just a list? Who actually runs the company? What's your replacement policy? A credible provider answers all four without flinching. Our full list is in the buyer's checklist.

4. Start with a right-sized package

Don't over-buy on day one. Pick a package you can actually work in a few weeks — often 100 leads to start — so you can measure real results before scaling up. You can always buy more once you know your numbers.

5. Work the batch and track your numbers

Call fast, follow up consistently, and track four numbers: contacts, appointments, closes, and commission. Divide total commission by total lead spend — above 2–3× is healthy. Give each batch a fair runway, because annuity cases often close weeks after the first call. (The math is in Annuity Lead ROI.)

How it works at BuyIASLeads

We built BuyIASLeads to make this simple: every lead is exclusive, generated from a real opt-in, introduced under your name, nurtured for a full year, and delivered into a CRM — with published pricing (100 for $2,000, 200 for $3,000, 400 for $5,000), a 7-day replacement policy, and no long contract.