FEB’s 2025 Lead Co-Op: Vetted Lead Vendors, Real Support, and a Smarter Way for Life Insurance Agents to Scale
November 19, 2025 2:08:22 PM
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In the life insurance industry, consistent lead flow is the foundation of predictable income — yet many IMOs still rely on outdated or surface-level lead programs that leave agents guessing. They promise: “We offer leads.” But what agents actually receive is often underwhelming: a generic list, no context, and no real support.
Today’s agents — especially those selling Final Expense, Medicare, and Life Insurance via phone or hybrid models — need more than a vendor list. They need quality, guidance, and a system that reduces trial-and-error and supports growth.
That’s exactly why Final Expense Brokerage (FEB) rebuilt our Lead Assistance and Lead Co-Op Program for 2025. Our approach combines vetted lead sources, transparent credit structure, real training support, and unmatched agent service to help producers grow sustainably.
Why Most Lead Programs Don’t Work for Agents
Traditional IMO lead programs fall short for several reasons:
No vetting process — anyone can be added to the list.
Lack of explanation — agents don’t know what type of lead fits their budget or selling style.
Minimal training — no scripts, no call coaching, no follow-up workflow.
No system to offset cost — scaling becomes expensive and inconsistent.
When agents don’t have structure, even high-intent leads can underperform.
FEB’s program was designed to solve these issues proactively.
The FEB Difference: A Lead Program Built on Quality, Support, and Transparency
Rather than offering a list of random vendors, FEB created a system based on vetted lead quality, real-time agent support, and clear co-op credits that make scaling affordable.
Here’s what makes our program different:
1. Multiple Vetted Lead Categories (Not Just One or Two Sources)
FEB works with a broad, diverse set of lead sources, each reviewed for quality, compliance, price transparency, TCPA processes, and agent feedback.
Lead categories include:
Facebook final expense & life leads
U.S.-based telemarketed leads
Digital real-time life insurance leads (instant + exclusive)
Inbound Final Expense and Medicare calls
Direct mail final expense lead cards
Budget-friendly telemarketed FE options
This variety gives agents flexibility that most IMOs do not offer.
2. Lead Co-Op Credits That Keep Costs Low & Production Predictable
Agents who produce with FEB carriers receive:
$100–$200 in lead credits for every $1,500 in net issued premium
These credits can be applied to any approved vendor in our program, across all lead categories.
Eligible carriers include American Amicable, GPM, Liberty, Transamerica, and United of Omaha.
This creates a repeatable, sustainable cycle:
Produce → Earn Lead Credits → Buy Leads → Produce Again
3. Personalized Lead Strategy for Every Agent
FEB helps agents evaluate:
Lead type compatibility
Budget and break-even points
Telesales vs. field workflow
Instead of “buy whatever you can afford,” FEB helps agents build a smart, scalable lead plan.
4. Scripts & Training Support Included
Some of FEB’s vetted vendor’s provides training resources:
Scripts
E-books
Training videos
This support dramatically improves agent conversion rates.
Lead Options Available Through FEB’s 2025 Lead Program
FEB’s program includes a wide range of vetted, high-intent lead sources to match agents’ preferred selling style, experience level, and budget.
Below is the full breakdown:
Facebook Final Expense & Life Leads (Strong Agent Feedback)
A cost-effective, fast-moving digital option ideal for FE, life, and annuity sales.
Why agents choose them:
Affordable
Scalable
Training included
Strong ROI reported by FEB agents
Telemarketed Leads (U.S.-Based, Exclusive & TCPA-Compliant)
These leads are generated through American call centers using verified and compliant scripts.
Types include:
High-verification callback leads (U.S.-Based)
Budget-friendly telesales leads
Digital Real-Time Leads (Instant, Exclusive & High-Intent)
Customer-initiated leads delivered the moment a consumer submits their information online.
Why agents like them:
Exclusive delivery
Instant follow-up opportunities
Available for Final Expense + Life Insurance
Tiered options for budget or premium data depth
Inbound Final Expense Calls (Live, 100% Exclusive)
These are among the highest-intent leads available. Consumers call in from active advertising and are transferred directly to the agent.
Why they convert well:
Pre-qualified by a live agent
Customizable schedule
Immediate engagement
No cold calling
Direct Mail Final Expense Lead Cards (Trusted by Seniors)
A proven, long-standing lead source where prospects mail back handwritten or phoned-in responses.
Why agents still rely on them:
Extremely intentional responses
High appointment-set rates
Great for face-to-face agents
Why Agents Choose FEB Over Other IMOs
From agent feedback, here’s why FEB stands out:
Real support, fast responses
Agents don’t wait days for answers.
Multiple vetted lead types
Not just Facebook or one telemarketed vendor.
Transparent commission structures
No games, inflated promises, or hidden terms.
FE and underwriting expertise
We help match difficult health profiles to the right carriers.
A co-op built for real growth
Credits are clear, consistent, and easy to earn.
Who This Program Is Best For
FEB’s lead system is ideal for:
Telesales agents wanting high-quality, exclusive leads
Experienced producers needing scale
Agents transitioning from captive to independent
Producers frustrated with inconsistent lead quality
Anyone wanting transparency + support
Final Thoughts: The Right Leads + The Right Support = Predictable Growth
In 2025, IMOs must do more than drop links to random vendors. Agents deserve vetted lead sources, training, support, and a clear process to scale without wasting money.
FEB’s revamped Lead Co-Op Program offers exactly that:
High-quality vetted lead options
$100–$200 co-op credits
Personalized strategy support
Conversion-focused training
Expertise in Final Expense and Life Insurance