Pre-qualified Indexed Universal Life prospects with premium-funded intent, cash-value accumulation interest, and retirement-income context — delivered exclusively to licensed advanced-market agents and IUL-focused agencies in under 90 seconds. Built for IMOs, FMOs, financial-planning practices, and producers who write IUL as a primary line.
Indexed Universal Life is a different sale than term. The conversation involves premium funding, cash-value mechanics, indexed crediting strategies, caps and participation rates, and how the policy fits into a broader retirement or wealth-transfer plan. Producers who write IUL need prospects who can actually fund a meaningful premium and who are open to a 30 to 60 minute discovery call — not someone comparing $25/month term quotes.
Most lead vendors don't make that distinction. Generic life insurance forms get repackaged and sold as 'IUL leads' the moment the prospect ticks a box about 'cash value' or 'retirement.' Producers spend their week trying to manufacture IUL conversations out of term-shopper intent, and case sizes never reach what the IUL model requires.
OneLife builds IUL as its own funnel. Creative speaks to premium-funded buyers — small business owners, high-income professionals, and pre-retirees thinking about tax-advantaged accumulation and wealth transfer. Forms screen for income band, intended monthly premium, and planning horizon, so producers spend their time on conversations that can actually become a placed IUL policy.
Benchmarks compiled from life insurance lead generation partners and public lead-industry reporting. Your numbers will vary by carrier mix and agent ramp, but the deltas hold.
OneLife runs Indexed Universal Life campaigns as their own product line — separate from term, final expense, and mortgage protection. Audiences are targeted on income, life stage, business ownership, and retirement-planning signals so the prospects entering the funnel are realistically capable of funding a meaningful IUL policy.
Every IUL lead is screened for income band, target premium, current permanent-life coverage, and the planning conversation they're actually trying to have — retirement income, tax-advantaged accumulation, wealth transfer, key-person or buy-sell funding, or business-owner cash-value strategy. Producers know before the dial whether the case is a personal retirement IUL, a high-face-amount estate case, or a business-funded design.
Audiences built around income, business ownership, and retirement-planning intent — not generic life-insurance traffic. Designed to attract producers' Plan A clients, not their churn.
Forms capture income band, target monthly premium, and planning horizon so producers walk into a case that can actually support a meaningful IUL design.
Each lead is tagged with retirement income, tax-advantaged accumulation, wealth transfer, or business-owner intent so producers open the conversation in the right frame.
Optional live-transfer layer hands a pre-screened, premium-funded IUL prospect directly to a licensed advanced-market producer with a verified call recording.
Each lead carries income band and stated target monthly premium so producers triage cases by funding capacity, not just interest.
Retirement income, tax-advantaged growth, wealth transfer, estate planning, and business-owner funding tagged at the form layer.
Existing permanent life coverage and prior IUL/UL ownership captured so producers position the design correctly from the first dial.
Express written TCPA consent on every submission with a timestamped audit trail retained for compliance review.
Leads only flow to producers holding the appropriate life-insurance line of authority in the prospect's resident state.
Duplicates, invalid numbers, wrong-state contacts, and prospects who don't meet baseline premium screens are credited automatically.
Audiences are built around income, business ownership, pre-retirement life stage, and tax-planning intent — engineered to surface IUL-appropriate prospects, not term shoppers.
Landing pages collect income band, target monthly premium, planning horizon, and existing permanent-life coverage with TCPA-compliant consent on every submission.
Form-fill leads are pushed to your CRM in under 90 seconds, or escalated to a warm IUL live transfer to a licensed advanced-market producer when funding criteria are met.
Submitted-to-issued ratios and average annualized premium per case are tracked by planning context (retirement, estate, business-owner) so creative and audiences stay aligned to placed business — not just lead count.
Independent producers who need a steady flow of iul leads (indexed universal life) without managing media buyers, dialer infrastructure, or compliance overhead.
Agencies running 5–50 closers who need predictable daily lead volume, geographic balancing, and replacement-backed economics.
Marketing organizations that need a white-label lead source to offer downline agencies — branded delivery, recurring volume, partner reporting.
High-volume floors that need sub-90-second delivery into their dialer with hard caps, schedule controls, and pause-on-demand.
IUL Leads (Indexed Universal Life) ships with the same compliance posture we apply to every OneLife program. Read the full compliance overview or our privacy policy.
Express written consent recorded on every form submission with timestamp, IP, and consent language preserved.
Two-step opt-in on all paid traffic. Real consumer contacts only — no co-registration paths, no incentivized sign-ups.
We never resell your delivered leads. Records are stored in encrypted-at-rest databases and purged on request.
Full consent and submission history retained for seven years and produced within 48 hours on legal request.
A 30-minute strategy call covers your current funnel, the gaps we see most often, and what a tailored program — wired into our lead management dashboard — would look like for your agency.
The definitive framework for evaluating any insurance lead vendor — sourcing, exclusivity, compliance, ROI.
Why exclusivity changes contact rate, conversion, and cost-per-issued-policy — with real benchmarks.
See how delivery, replacement, and reporting work across every vertical.
Exclusive life insurance leads for term, whole, and IUL producers. High-intent, TCPA-compliant, delivered in under 90 seconds with replacement guarantee.
Mortgage protection insurance leads sourced from new-homeowner and recent-mortgage audiences. Exclusive, sub-90s delivery, full replacement guarantee.
Exclusive live transfers connected to your agents in seconds. Pre-qualified, TCPA-compliant warm calls sold once to one agency with recorded QA and routing controls.
Tell us about your agency. A strategist will reach out within 24 hours with a tailored plan.