The problem
"Can not reach them by phone — they do not answer even if called several times a day." "Lead names that are bogus." "The agency is the eleventh phone call in as many minutes." Sound familiar? Insurance forums describe purchased leads as "a business of thieves."
Over 70% of agents say their "exclusive" leads were not exclusive at all. Leads are resold to 7–8 agents, contain fake contact info, and prospects deny ever requesting a quote. The race-to-call dynamic means whoever dials fastest wins — not whoever offers the best coverage. And new TCPA 1:1 consent rules make the old model even harder.
You need leads that are actually exclusive, from people who genuinely want a quote, and who are reachable — not names sold to ten other agents at $30–$85 a pop.
What we'd build
1. "Get an instant estimate" calculator. A prospect enters their vehicle, home, or business details and gets a ballpark coverage estimate in 60 seconds. Not a binding quote — a useful range that answers their first question. They get instant value; you get their name, contact info, coverage needs, and current provider. These are exclusive leads that only you see.
2. SMS qualification agent. When someone completes the estimator, an AI agent follows up via text: confirms their details, asks about their timeline and budget, and books a call with your team. The agent handles objections naturally — "I'm just looking" gets a soft nurture sequence, "I need coverage by Friday" gets an immediate booking. No more racing to dial. The lead comes to you warm and expecting your call.
Example: how a lead flows through the system
A small business owner in Burnaby sees your Google ad: "Find out what business insurance actually costs — 60-second estimate." She enters her industry, employee count, and revenue range. The tool shows her a coverage range and captures her details.
The SMS agent follows up: "Hi Linda, based on your info, commercial general liability for a consulting firm your size typically runs $1,200–$2,000/year. Want me to get you an exact quote? I just need a couple more details."
Linda confirms she's switching from her current provider at renewal in 6 weeks. The agent books a 15-minute call with your team, drops her full profile into your CRM, and she gets a confirmation text.
You get an exclusive, verified lead who actually wants insurance, isn't being called by ten other brokers, and is expecting your call. Close rate: 25%+ versus 5% on shared leads.