If you generate compliant, high-intent final expense traffic, you can plug into steady buyer demand and reliable payouts without chasing caps. We make it simple to sell final expense leads as inbound calls or warm transfers, with transparent routing and hands-on optimization that protects your margins.
Why Publishers Choose BrokerCalls™
Final expense is one of the most active verticals in the BrokerCalls™ network. With 23 live buyer campaigns running year-round, publishers see consistent call acceptance, competitive per-call rates, and dedicated account support from day one. BrokerCalls™ handles compliance infrastructure, Ringba tracking setup, and buyer-side quality controls so you can focus on driving volume.
Scale is only useful if your calls are answered by the right buyer at the right time. We manage caps, concurrency, and time-of-day coverage so your traffic does not stall during midday spikes or weekends. When a buyer reaches cap, overflow routing automatically moves calls to another qualified buyer to reduce rejections and keep your earnings steady.
Transparency matters when you sell final expense leads. Your Ringba and affiliate dashboards show real-time connections, dispositions, and billing events so you can pinpoint which sources, creatives, and dayparts convert best. If you need to tweak filters, we partner with you to align targeting with buyer underwriting guidelines to reduce returns and increase net revenue.
Current Payout Rates
| Vertical | Call Type | Payout Range | Volume Availability |
|---|---|---|---|
| Final Expense – Inbound | Age 50-85, coverage interest confirmed | $45-$65 | Year-round, 23 active campaigns |
| Final Expense – Warm Transfer | IVR pre-qualification + live transfer | $60-$80 | Year-round, best conversion |
Payouts shown are starting rates. Volume bonuses and rate increases available for publishers consistently delivering quality calls. Contact your account manager for current rate card.
Rates reflect call type, buyer mix, and quality indicators such as time-in-queue, duration, and IVR disposition. Publishers who maintain strong answer rates and low return ratios typically unlock bonuses faster. If you target new states or add evening and weekend coverage, your manager can help expand buyer access and maximize fill.
What BrokerCalls™ Offers Publishers
Competitive Payout Rates
Final expense pays among the highest per-call rates in the BrokerCalls™ network. Inbound calls from age-qualified prospects start at $45 and warm transfers with IVR pre-qualification reach $80. Publishers who deliver consistent volume qualify for rate increases and bonuses negotiated directly with your account manager.
We focus on net-back profitability, not just top-line payout. Expect clear return windows, feedback on rejected traffic, and collaborative filter adjustments that protect your EPC. If a specific buyer changes underwriting preferences or geo appetite, we update routing rules quickly so you keep earning without guesswork.
23 Active Final Expense Buyer Campaigns
BrokerCalls™ runs more active final expense buyer campaigns than any other single vertical in the network. That depth means your calls route to a live buyer even during peak traffic periods, reducing rejections and keeping your revenue steady. You are not dependent on one buyer’s cap or schedule.
Multiple campaigns also mean better routing logic for carriers and IMOs with different licenses and appointment rules. We balance capacity by state, time of day, and agent availability to preserve conversion quality. If you add new media or increase budgets, we can scale with you without jeopardizing answer rates.
Bi-Monthly ACH on Net 15
Publishers get paid twice a month via ACH with Net 15 terms. There are no minimum payout thresholds that force you to wait months to collect, and no wire delays. Your dashboard shows pending and approved payouts in real time so you can plan spend and reinvest budgets with confidence.
You also receive clear remittance reporting that maps calls to campaigns, buyers, and outcome codes. This reduces reconciliation time and helps your team validate pacing and projected cash flow. If you have a finance SLA for media prepayments, your manager can align launch timing to your accounting cycle.
All Call Types, One Affiliate Hub
The /sell-calls/ hub centralizes offer details, compliance guidelines, onboarding resources, and payout information across every vertical BrokerCalls™ supports. If you generate traffic in multiple insurance or financial verticals, the hub makes it easy to find the right offer, review requirements, and get campaigns running without starting from scratch each time.
Many partners expand from final expense into related lines like Medicare, health, or life after they dial in their calling flows. For a consolidated view of available categories, payouts, and onboarding steps across lines, you can sell all insurance calls to BrokerCalls and streamline tracking, compliance, and payments in one place.
Traffic Sources We Accept
Senior-focused insurance directories, paid search (final expense keywords), Facebook and social media (senior audiences, TCPA-compliant), email marketing (compliant opt-in), TV and radio, direct mail. All sources disclosed at onboarding.
Channel quality varies by intent. Paid search and comparison sites typically drive strong inbound call performance, while warm transfers from compliant social or email funnels work well when IVR confirms age and interest before connection. For TV, radio, and direct mail, we recommend clear benefit-forward scripts and call prompts that ask prospects to call now to review coverage and rates.
Provide creatives and landing pages during onboarding so we can verify compliant disclosures and consent language. We will discuss recommended dayparting for seniors, device targeting, and any state-level exclusions from buyers. This up-front alignment reduces waste and increases the share of calls that hit buyer KPIs on day one.
Compliance Requirements
All final expense calls must be sourced under TCPA 1-to-1 express written consent per FCC 2024 rules. DNC scrubbing required. No incentivized calls.
Maintain proof of consent and make it accessible for audit, including event-level timestamps, source URLs, and the exact disclosure text shown at opt-in. Confirm that revocation of consent is honored immediately and that suppression files are synchronized across all systems. If you use IVR, ensure clear disclosures and a zero suppression option before transfer.
We provide sample consent language, S2S or webhook specs for storing consent artifacts, and guidance on honoring federal and state DNC rules. Our team will also review call recordings for disclosure accuracy and proper agent introductions. This discipline keeps your traffic compliant while protecting buyer relationships and payout continuity.
How to Get Started
- Submit your affiliate application. Complete the form below. Tell us which verticals you generate traffic in, your approximate monthly call volume, and your primary traffic source.
- Account manager onboarding. Your dedicated account manager contacts you within one business day to review offer rates, discuss compliance standards, and configure your Ringba tracking setup.
- Start sending calls. Once your campaign is live in Ringba, calls start generating payouts. Track every call in real time through your affiliate dashboard.
- Get paid. Bi-monthly ACH on Net 15 terms. No wire delays, no minimum thresholds that make you wait months to collect.
During onboarding, we align on geo targets, hours of operation, and IVR criteria such as age 50-85 confirmation and interest in coverage. We also verify sample recordings and landing pages to validate consent language and DNC handling. If you prefer a phased rollout, we can start with a test cap to benchmark performance and then scale as results stabilize.
You will receive routing numbers and test instructions before going live. If you run separate media channels, we can set up unique tracking numbers per source to evaluate quality by publisher ID, ad group, or creative. Your manager will share feedback from buyers so you can keep optimization tight and returns low.
Frequently Asked Questions
What types of final expense calls does BrokerCalls™ accept?
BrokerCalls™ accepts inbound final expense calls and warm transfers. Inbound callers must be age 50-85 with confirmed coverage interest. Warm transfers require IVR pre-qualification before connection. Both call types are accepted year-round across 23 active buyer campaigns. If you are unsure which call type best fits your media, your manager will recommend the path that protects conversion and return thresholds.
How quickly can I get a final expense campaign live?
Most publishers are live within one business day of submitting their application. Your account manager handles Ringba setup, reviews compliance requirements, and confirms your offer rate before your first call routes. We can accommodate faster go-lives when assets are ready, and we provide sample scripts and consent guidance to speed up approvals.
What is the payout for final expense calls?
$45-$80. Inbound pays $45-$65. Warm transfers pay $60-$80. The specific rate you receive depends on call type, targeting, and performance over time, with bonuses available when quality and volume stay consistent.
How many active final expense buyer campaigns does BrokerCalls™ have?
23, the most of any single vertical in the BrokerCalls™ Ringba network. This depth reduces downtime from caps and gives you redundancy across carriers and IMOs, which helps keep acceptance rates high during peak hours.
What age range do final expense calls target?
Age 50-85. IVR confirms age range before connection. Staying within this bracket aligns with underwriting and reduces buyer returns, which supports higher net-back earnings.
What is the payment schedule?
Bi-monthly ACH on Net 15 terms. You receive clear reporting with each payout so your finance team can reconcile quickly and forecast cash flow against media spend.
Ready to Start Sending Calls?
BrokerCalls™ has buyer demand, compliance infrastructure, and real-time tracking ready for your final expense traffic. Apply below and your account manager will reach out within one business day to configure your campaign.
Call (855) 268-3773 or email contact@brokercalls.com to talk to an affiliate manager before applying.