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Pay-per-call vs pay-per-lead
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A lead is a name and number you have to dial; a pay-per-call call is a person already on the line. Aged final expense leads can cost as little as $1.50 to $2.50 each (Aged Lead Store, Oct 7, 2026), while final expense inbound calls cost $45 to $75 per call at the vendors we checked that publish a price. The cheaper record usually costs more dialing time per conversation.
What are the options?
| Option | What you get | Published price example | Your work |
|---|---|---|---|
| Inbound call | Consumer dialed from an ad, routed live to you | $45–$75 per call (price table) | Answer and qualify |
| Live transfer | Call center reached the consumer, hands them to you | Lead Heroes: not published; transfers only to teams of 3+ agents (source) | Answer and qualify |
| Aged leads | Name and number, 15 to 85 days old | $1.50–$2.50 per final expense lead (source) | Dial, often many times |
| Exclusive web leads | Recent form fill, sold to one agent | Not published; "NO MINIMUMS" (source) | Dial fast |
Competitor facts as of Oct 10, 2026, taken from each company's own pages (linked). Prices change; check the source before you buy.
When does pay-per-lead make sense?
When you have more time than money, a dialer, and a script that works on cold contacts. Aged leads also come with return rules; Aged Lead Store caps returns at 20% (source).
When does pay-per-call make sense?
When your time is the bottleneck. You pay more per contact, but every billable call is a live conversation, and on inbound calls with a buffer you do not pay for the ones you end quickly.
How do I compare them fairly?
Use cost per conversation: total spend divided by real conversations. Track it for two weeks on each source. Illustrations are not results; your numbers depend on your script, products and market.
Frequently asked questions
Is pay-per-call better than buying leads?
It depends on your time and script. Calls cost more per contact but every billable call is a live conversation; leads cost less per record but need dialing.
How much do aged final expense leads cost?
Aged Lead Store lists final expense leads 15 to 85 days old at $1.50 to $2.50 each (as of Oct 7, 2026).
Talk to a person before you spend anything
A 15-minute call: your states, which call type fits how you sell, and exact pricing.
Book a 15-minute callSources
Checked Oct 7, 2026.