Pre-IEP qualified Turning 65 prospects, scope-of-appointment-ready Medicare appointments, and exclusive live transfers routed to licensed agents the moment intent is captured. Built for FMOs, IMOs, call centers, and Medicare-focused agencies who need a clean T65 pipeline 12 months a year.
T65 is the only point in a consumer's life when they're forced to learn Medicare from scratch. The three months before their 65th birthday, the birthday month itself, and the three months after make up the Initial Enrollment Period (IEP) — and whoever earns the conversation during that window typically keeps the policy for the next ten-plus years of renewals.
The problem is that most T65 vendors don't actually generate T65 intent. They resell aged Medicare Advantage lists, scrape direct-mail follow-ups, or push age-65 contacts into the same shared funnel as DSNP and SEP shoppers. Producers end up calling already-enrolled seniors, dual-eligibles outside their licensure, or prospects who've already taken a scope of appointment with a competitor.
OneLife treats T65 as its own discipline. Audiences are targeted on birth-month and IEP windowing, capture forms screen for current Medicare status and plan curiosity (Medicare Advantage vs. Medicare Supplement / Medigap), and every lead is delivered with consent metadata your compliance team can defend in a TPMO audit.
Benchmarks compiled from medicare lead generation partners and public lead-industry reporting. Your numbers will vary by carrier mix and agent ramp, but the deltas hold.
OneLife runs T65 as its own product line, distinct from broader Medicare Advantage lead generation. Audiences are built on rolling birth-month cohorts so prospects enter the funnel exactly when their Initial Enrollment Period opens — not after a competitor has already locked in their plan choice.
Every T65 lead is screened for current Medicare status, employer-coverage transition, and stated interest in Medicare Advantage versus Medicare Supplement (Medigap). Producers know before the dial whether the conversation is a first-time enrollment, an employer-to-Medicare transition, or a Medigap shopper — and Scope of Appointment language is pre-staged so the appointment is compliant from minute one.
Audiences activate 3 months before the 65th birthday and pause when IEP closes — no wasted spend on prospects outside the enrollment window.
Forms capture employer coverage status and Medicare Advantage vs. Medicare Supplement (Medigap) curiosity so licensed agents start the call already informed.
Scope of Appointment language is staged at capture, with TPMO-aligned disclosures and recording metadata attached to every record.
Optional live-transfer layer hands a warm, IEP-eligible Turning 65 consumer directly to a licensed Medicare producer with a verified call recording.
Rolling T-90 / T-60 / T-30 audiences map every prospect to the correct IEP month — no January leads delivered in October.
Each lead is tagged with Medigap, Medicare Advantage, or undecided intent so producers route the conversation to the right product.
Consent language and disclaimer copy reviewed against current CMS Third-Party Marketing Organization rules and refreshed when CMS updates guidance.
SOA capture is pre-staged so licensed agents can complete the appointment requirement without breaking the conversation.
Leads only flow to producers holding an active Medicare line of authority in the prospect's resident state.
Already-enrolled, wrong-state, duplicate, or invalid contacts are credited automatically inside 24 hours.
Audiences are built on rolling birth-month cohorts so Turning 65 consumers enter the funnel 90 days before their Initial Enrollment Period opens.
Landing pages collect Medicare status, employer-coverage transition, and Medigap vs. Medicare Advantage interest, with TPMO-aligned consent on every submission.
Form-fill leads are pushed to your CRM in under 90 seconds, or escalated to a warm live transfer with a licensed Medicare producer when SOA conditions are met.
Each birth-month cohort is reviewed for contact, appointment, and enrollment rate so creative, copy, and disclosures stay current with CMS guidance.
Independent producers who need a steady flow of t65 leads (turning 65) 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.
T65 Leads (Turning 65) 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 Medicare Advantage leads with AEP and year-round campaigns. Plan-aware qualification, sub-90s delivery, and a replacement guarantee on every lead.
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.
Exclusive inbound insurance calls from prospects who dial your agency themselves. Pre-screened, TCPA-compliant, recorded, and routed live to your closers.
Tell us about your agency. A strategist will reach out within 24 hours with a tailored plan.