Lead generation and appointment setting for licensed life & IUL producers

Appointments that hold, with the cost per case attached.

We buy the media, work the leads, and put qualified life and IUL prospects on your calendar. You get the leads that don't book too, and a straight answer on what each one cost.

Vertical
Life & IUL
Exclusivity
One agent per lead
Ad account
Ours, not yours
Billing
Prepaid, no retainer
Term
Four months
The actual problem

Lead volume is rarely the constraint.

Most producers we talk to already have leads. What they have is a pile of contacts that were sold to four other agents, dialed for two days, and then quietly abandoned when the callbacks stopped. The list looked cheap. The cost per placed case was not.

Underneath that sits a slower problem. Speed-to-lead decides a large share of these sales, and an agent on a policy review cannot answer a form fill in ninety seconds. So the follow-up happens at 7pm, or the next morning, or never. The appointment gets set and nobody confirms it, and a third of the calendar evaporates on the day.

Then there is the accounting, which is usually missing entirely. Spend goes out through somebody's ad account, applications come in, and no one in the business can say what an issued policy cost to acquire. That is the number every other decision depends on, and most agencies are running without it.

We sell conversations that happen, priced per conversation, with the math visible.
Division of labor

Who does what, in the order it happens.

StageWe handleYou handle
MediaCreative, copy, targeting and testing on Meta, written for life and IUL rather than adapted from mortgage or final expense. Campaigns run in our agency ad account on the Base and Standard programs.Nothing. No Business Manager, no card on file, no exposure to a policy strike.
CaptureOur own hosted opt-in forms. Express written consent captured with timestamp, IP and the exact language shown. No purchased lists, no co-registration.Tell us your licensed states so we only pay for traffic you can write.
RoutingEvery lead lands in a pipeline tagged by state, product interest and consent status. One agent per lead.Keep the pipeline stages honest. The reporting is only as good as what gets moved.
Follow-upSpeed-to-lead texting inside the first minute, nurture for the ones who aren't ready, rescheduling on cancellation, and confirmation before every appointment.Answer the phone. Automation gets them to agree to a time. It does not sell the policy.
ReportingCost per lead, per booked appointment, per shown appointment, and per placed case where you record the outcome.Tell us what closed. Without that the last column stays blank.

The right-hand column is short on purpose. If it were long, you would be buying a job rather than a service.

The CRM

Not a login we throw in. The system of record.

Every client works inside the Commission Scaling CRM. Insurance pipelines, speed-to-lead SMS and email, AI-assisted conversational follow-up, nurture and reactivation, appointment confirmation and rescheduling, calendar sync, and the cost reporting above.

On the Standard program you are billed on appointments that show, which is the reason the CRM is a condition rather than a bonus. It is what determines whether a show happened. Bill per show without a shared system of record and one of us is guessing.

Commission Scaling CRMPipeline view
ContactStateProductConsent
J. ███████FLIULSMS + Email
M. ██████GATermEmail only
R. ████████TXIULSMS + Email
D. █████FLWhole lifeSMS + Email
A. ███████TXIULEmail only
Illustrative view of the Commission Scaling CRM. Not a live account. Contact names shown are not real people, and no performance figures are represented.
Programs

Three ways in, depending on who is doing the dialing.

Program 01BaseFor the producer who dials their own and wants clean inventory.Program 02StandardFor the agent or small agency that wants a calendar, not a list.Program 03PremiumFor owners building a producer team. A small number at a time.
Exclusive leadsYesYesYes
CRM and automationIncludedRequired, not optionalRequired, not optional
Branded campaign, landing page, funnelNoYesYes
Appointments booked to your calendarYou book your ownYes, plus the leads that don't bookYes, plus the leads that don't book
Who covers ad spendRolled into the per-lead priceYou doYou do
How you're billedPer lead, prepaidPer shown appointmentOnboarding, monthly, and per agent placed
CoachingNoneTwo group calls weeklyThree calls weekly, private to your agency
Recruiting and placementNoNoYes
PriceQuoted on the callQuoted on the callQuoted on the call

All three are prepaid on a four-month term with no management retainer. Split payment schedules are available and do not shorten the term. We quote on the call because the number moves with your states, your volume and your product mix, and a headline figure on a web page would be wrong for most of the people reading it.

Eligibility

We turn people down, and it is usually for one of these.

To work with us you need

  1. An active life insurance license in the states you want written, held now rather than pending.
  2. Someone who can call a new lead within about five minutes during business hours.
  3. A real sales process for permanent life, not a quote and a hope.
  4. The cash to prepay a four-month term without straining the business.

The one we decline most often is the fourth. An agent who has to stretch to prepay tends to judge the campaign in week two, and lead generation read at two weeks produces bad decisions in both directions.

The second one matters more than people expect. If leads sit until the end of the day, the economics of this stop working and no amount of media quality fixes it.

And if you want a guaranteed number of placed cases, we are the wrong vendor. Nobody honest in this industry can promise that.

Questions we get

Asked and answered.

Are the leads really exclusive?
Yes. A lead we deliver goes to one agent and is not resold or syndicated. We cannot promise that person never filled out somebody else's form on their own, and any vendor who does promise that is telling you something they cannot know.
Whose ad account does the spend run through?
Ours, on Base and Standard. Media buying is executed by our media partner inside our agency account. You get the reporting without inheriting a Business Manager, a card on file, or a policy strike against your own asset. Premium clients who want their own account can have it.
Why won't you put pricing on the site?
Because it varies by tier, states and volume, and a single number would be wrong for most people reading this. What is fixed: prepaid, four-month term, no management retainer, split payments available if the cash flow needs them.
Do I have to use your CRM?
On Standard, yes, and it is not an upsell. You are billed per shown appointment and the CRM is what establishes that a show occurred. On Base you can export leads anywhere you like.
Which states do you run?
We match campaigns to the states you are licensed in. Bring your footprint to the call and we will tell you where we can currently generate volume and where we cannot.
Why a four-month term?
Because a campaign judged on week two gets killed while it is still learning, or scaled while it is still lucky. Four months is roughly the shortest window that produces an honest read.
Do you guarantee results?
No. We are accountable for exclusive leads and, on Standard, for confirmed appointments that show. What happens inside the appointment is your process. Our earnings disclaimer says the same thing in more careful language.
How do you handle TCPA and consent?
Every lead comes from our own opt-in forms with express written consent captured, timestamped and IP-logged, and that record travels with the lead. We screen against the National Do Not Call Registry and keep internal suppression. Once a contact is yours, your compliance is yours.
Client reviews

What producers say after working with us.

4.9 average · 18 reviews
I've been working with the program and my coach Kyle for about 2 months now and have extremely positive results. The leads are qualified; the coaching has been on point. By far the best experience I've had in this space.
Russ B., verified client · Mar 2026

Nothing short of exceptional

Our experience with the program has been nothing short of exceptional. Throughout our time with the team, we have gotten a ton of qualified leads right to our calendar. Kyle has also been a great help with our sales process, helping us work through any bottlenecks that pop up. Thanks Kyle and the team!

Colin S
Verified client · Jul 2026
Coach: Kyle

Kyle is a rockstar

Kyle is a rockstar. He is always available to help. The company is great and I would recommend it.

Seb
Verified client · Jun 2026
Coach: Kyle

Great program — great service!

Greg Candeur and the team are great to work with, and the leads they generated for the team were high quality, high intent prospects. The program is a great tool to get your pipeline filled!

Devin
Verified client · Jun 2026
Coach: Greg

The ongoing coaching has been great!

The ongoing coaching has been great! Kyle has been great in adding value to my conversations through ideas and prompts to take immediate action on.

Rikki
Verified client · Apr 2026
Coach: Kyle

A real difference in new business

The leads have been consistent and good quality, which has made a real difference in our ability to generate new business. One of the biggest value-adds has been their additional coaching. Kyle Colvis has been extremely helpful in refining our approach, everything from how we structure our calls to how we think about lead follow-up and overall strategy. His feedback has been practical and easy to implement.

Brogan W
Verified client · Apr 2026
Coach: Kyle

Why this program has been a gamechanger

In just the first month and a half, we've generated several million dollars in new opportunities, with a fraction of the volume required in the cold market. The support from Kyle, our relationship and program strategist, has been consistent, thoughtful and genuinely helpful throughout. The entire team is clearly invested in our growth and success.

KSW
Verified client · Apr 2026
Coach: Kyle

Solid advice every week

Kyle has been great. Communication is always timely whenever we need assistance. My brother and I have been meeting with Kyle bi-weekly since starting our campaign and Kyle has given solid advice each week.

Sam W
Verified client · Apr 2026
Coach: Kyle

Better than those others

We received consistent leads from people who were looking for answers to their questions. Having used other well-known lead generators, this actually gave us qualified leads that didn't require a hard-sales approach to close. A much better way to get clients. Our coach, Kyle was very helpful too.

Christopher D.
Verified client · Apr 2026
Coach: Kyle

The best we have used by far

They assigned a coach to us, Greg Candeur, and he has been excellent in helping us with closing business. Greg will get right to the point and he has no problem telling you how to take control of these calls and to stay in control of the process. He's very knowledgeable and easy to work with. We have used probably 7-8 different types of lead sources over the years, but this program has been the best.

Randy H.
Verified client · Mar 2026
Coach: Greg

A new way of approaching sales

I had the opportunity to work closely with Kyle Colvis, who has been paramount in helping me learn a new way of approaching sales. In my 30+ year career, I never really had to \"sell\" anything. Kyle broke the process down in a very practical way and was always available to guide me. Without Kyle's guidance, it likely would have taken me much longer to fully understand and implement the system.

Roman I.
Verified client · Mar 2026
Coach: Kyle

Trust the process

The program delivered consistent qualified leads as promised. Kyle has been very helpful in guiding me through the program. His insight has been valuable in helping me navigate the process and learn the framework of the system. This works. Trust the process, follow the coaching and you will be successful.

John K
Verified client · Mar 2026
Coach: Kyle

Leads + coaching

What I appreciate about the program is the training and coaching in addition to the leads. The team and my coach do a very solid job at helping us discover the emotional motivation behind a buying decision. It's not manipulative or salesy. I appreciate my coach Kyle's input and mentoring. For me, it is something that had been missing for a long time.

Gary W.
Verified client · Jan 2026
Coach: Kyle

In front of high-value prospects

The program truly puts you in front of high-value prospects. Kyle Colvis has been very helpful in my presentation to prospects for me to determine if they would be a good fit for my business.

Todd L.
Verified client · Jan 2026
Coach: Kyle

Quality leads promised, quality leads delivered

Over the last 20+ years, I've tried dozens of lead generation and marketing systems. Until this program, none worked exactly as advertised. I'm 45 days in, and the prospects provided have the money and the interest to try something different. My coach, Kyle Colvis, is a true professional, and he's helped me adapt to the sales process.

Bob A.
Verified client · Jan 2026
Coach: Kyle

Delivered as promised

The program delivered as promised. Greg C was terrific to work with... professional, strategic and reliable.

Carl B.
Verified client · Jan 2026
Coach: Greg

Very happy

This is the best service we have worked with. They are as advertised and they do what they say. Their leads are responsive and are ready to do business. Our contact Kyle has been extremely helpful and very responsive. We are so glad we are using them.

Chris
Verified client · Nov 2025
Coach: Kyle

Top-notch from day one

The appointments arranged so far have been top-notch, and the team has done an excellent job of screening them. Greg, my main point of contact, is consistently responsive and quick to provide support. I've only been with the program for a month, but I can already see promising business opportunities ahead for us.

Dagean L.
Verified client · Jul 2025
Coach: Greg

Reviews collected via Trustpilot. Names shortened for privacy.

Next step

Twenty minutes, and you will know whether this fits.

We will go through your states, your current cost per case and which program makes sense. If none of them do, you will hear that on the call rather than four months in.