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Guides for agents buying calls
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Everything we publish for licensed agents who buy inbound calls: what calls cost, how billing works, how vendors compare, and what changed for ACA, Medicare and Medicaid this season. Every competitor fact links to its source.
Calls we sell
- Final expense inbound calls — Live final expense inbound calls for licensed agents: seniors dial from TV, CTV and online ads, routed to your states. $45 to $65 per billable call.
- Final expense live transfers — Final expense live transfers: calls that come through a call center, then are handed to you. Billable after 2 minutes (3 for elite). $45 to $65 per call.
- CTV final expense calls — CTV final expense calls come from connected-TV (streaming) ads: the senior sees the ad and dials. How they differ from social calls and what they cost.
- ACA inbound calls for agents — ACA inbound calls for licensed health agents for the 2026–2027 open enrollment (Nov 1 to Jan 15). What to have ready before you buy, and how it works.
- Medicare inbound calls for agents — Medicare inbound calls for licensed agents for AEP, Oct 15 to Dec 7. The 2027 call rules (TPMO disclaimer, 6-year recordings) and how buying works.
Pricing and how it works
- HotInboundCalls pricing — What HotInboundCalls charges licensed agents: $45 to $65 per billable call depending on volume, states and call type, and when a call becomes billable.
- What calls you don’t pay for — The billable timer is your window to qualify: hang up before it and you aren’t charged. Dead air, duplicate callers and wrong numbers aren’t billed.
- How HotInboundCalls works — How a HotInboundCalls call reaches a licensed agent: the ad, the call, routing by state and hours, the 90-second qualify window, and prepaid billing.
- What is a billable buffer? — A billable buffer is the time before a pay-per-call call costs you. Published buffers in 2026 run from 5 seconds to 3 minutes; how to compare them.
- How do I qualify a final expense caller in 90 seconds? — A 90-second screening script for final expense inbound calls: state, age, bank account and paid coverage, with polite exit lines before the billable timer.
- Inbound call vs live transfer — Inbound call vs live transfer for insurance agents: who starts the call, how each is billed, and which fits your sales style. Plain-English answer.
- Where do inbound final expense calls come from? — Inbound final expense calls come from TV, connected TV, Facebook and Google ads that seniors call from. How the call reaches an agent, step by step.
Buying guides
- Best final expense inbound call vendors for licensed agents (2026) — We run HotInboundCalls and list it here. 8 final expense call vendors scored on price, billable timer, minimum, credits and terms. Sourced Oct 10, 2026.
- 10 questions to ask before buying inbound insurance calls — Ten questions every agent should ask an inbound call or live transfer vendor before paying: source, billable time, states, disputes, balance and more.
- How much do final expense inbound calls cost? — Published final expense inbound call prices as of Oct 10, 2026: $45 to $75 per call across the vendors we checked, with billable rules and sources.
- Pay-per-call vs pay-per-lead — Pay-per-call vs pay-per-lead for final expense agents: inbound calls, live transfers, aged leads and web leads compared on price, effort and risk.
- HotInboundCalls alternatives — Alternatives to HotInboundCalls for licensed agents: other inbound call vendors, live transfers, aged leads and web leads, with published prices and sources.
ACA, Medicare and Medicaid (2026–2027 season)
- ACA calls for agents: 2027 open enrollment — What ACA agents need before Nov 1, 2026: open enrollment dates, the CMS registration moratorium, expired enhanced subsidies, and buying ACA calls.
- Medicare AEP calls for agents — Medicare AEP runs Oct 15 to Dec 7. What agents buying Medicare calls need: the TPMO disclaimer timing, 6-year recording rule, SOA change and dual SEPs.
- Medicaid work requirements in 2027: what agents should know — Medicaid work requirements start by Jan 1, 2027 for adults 19 to 64 in the expansion group. Why those who fail them also lose ACA subsidy eligibility.
About us
- About HotInboundCalls — About HotInboundCalls: a pay-per-call company operated by Rich Family Management LLC that sells live inbound calls to licensed US insurance agents.
- HotInboundCalls affiliate program — Refer licensed agents to HotInboundCalls and earn $2 to $5 for every call they buy, for as long as they keep buying. Who it is for and how to join.
- Is HotInboundCalls legit? — Is HotInboundCalls legit? Who runs it, how calls are billed, what we do not have yet (reviews, published data) and what to check before you buy.
- HotInboundCalls reviews — HotInboundCalls reviews: we are new in 2026 and have no published reviews yet. Here is why we will not post unverified testimonials and how to judge us.
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