Life Insurance pay-per-call offer
### Offer overview Inbound calls from consumers seeking term or whole life coverage quotes. * Caller aged 18–75 * Must intend to obtain coverage rather than research only ### Prohibited traffic * Incentivized traffic * Robocalls or automated dialing * SMS and email traffic * Co-registration * Shared or resold leads * Outbound call centers * Brand bidding or trademark terms * Any source producing low-intent callers ### Requirements * Calls must be live, real-time inbound transfers * Caller must be the decision maker * One call per phone number per day * Full traffic-source transparency required before scaling * Manual affiliate approval; sample volume before scale ### Compliance Affiliates are responsible for TCPA compliance on all traffic. Prior express written consent is required where applicable. LeadsRefer reserves the right to adjust payouts on an individual basis for lead quality, targeting, or compliance concerns.
Payout
$30.00
per qualified call
Geo
US
Payment terms
Net 15
Type
CPA
Full tracking links and the advertiser's landing destination are available after approval on this offer — every click is tracked back to you.
Life insurance pay-per-call traffic
Traffic that tends to fit
- Intent-led search such as term life insurance quotes, how much life insurance do I need and life insurance for new parents.
- Educational content on term versus whole life, with a clear call prompt.
- Life-event audiences, such as new homeowners, where the platform's insurance-advertising rules allow that targeting.
Keep in mind
- Never promise a rate, guaranteed approval or a payout. Health and age drive underwriting and every case differs.
- Use accurate product language. Term, whole life and final expense are different products.
- Advertising platforms restrict some targeting for insurance. Check the rules of any platform you use.
General industry guidance, not legal advice. Each advertiser sets its own rules, which are confirmed when you are approved on the offer.
Questions about this offer
- How is life insurance different from final expense?
- Life insurance is typically about income replacement for working-age households, while final expense is a small whole-life policy that older buyers use to cover end-of-life costs. They attract different callers, so run them as separate campaigns.
- What counts as a qualified life insurance call?
- A call is paid once it meets the offer's qualification rules, typically a minimum call length plus the offer's geo and schedule. If the same caller phones back, only the first qualifying call within 30 days is paid.
- How and when am I paid?
- $30.00 for each qualified call, on Net 15 terms. Approved calls become payable after the payment window and are paid by PayPal, Wise or bank transfer once your balance reaches the network minimum of $50.
- How do I get a tracking number?
- Apply as an affiliate, then apply to this offer. Being approved as an affiliate does not open any offer: each offer is applied for and approved separately, and every application is reviewed by hand. Once you are approved on this offer, your dashboard shows your own tracking number for it.