Turning 65 Medicare Leads

Navigating the Maze: Turning 65 Leads vs. Live Transfer Leads for Medicare

Turning 65 is a life-changing event, often triggering the need for Medicare enrollment. As an insurance agent, you have two main options to reach this valuable demographic: turning 65 leads and live call transfer leads. Understanding the nuances of each is essential for making an informed decision.

Turning 65 Leads:

  • Definition: These leads are compiled through data sources, identifying individuals approaching 65 and potentially interested in Medicare.
  • Exclusivity: Varies, some leads might be shared with multiple agents, reducing your closing rate potential.
  • Two-Minute Buffer: Not typically offered, requiring immediate engagement after receiving the lead.
  • Closing Rates: Lower than live transfer leads, as individuals might not be ready or actively seeking information.
  • Comparison to Facebook/Google Leads: Similar cost-wise, but often less targeted and require more nurturing before conversion.


  • Cost-effective: Lower upfront cost compared to live transfers.
  • Broader reach: Allows reaching a larger pool of potential clients.


  • Lower quality: Leads might not be accurate or receptive to contact.
  • More effort: Requires extensive follow-up and engagement to convert.

Pricing: Varies but typically starts from $5-$10 per lead.

What to Expect:

  • Format: Usually includes basic demographics like name, address, and sometimes health information.
  • Work Flow: Requires proactive outreach through various channels like phone calls, emails, or mailers.

Live Call Transfer Leads:

  • Definition: Pre-qualified individuals actively seeking information about Medicare are connected directly to you in real-time.
  • Exclusivity: Usually exclusive, ensuring you’re the only agent speaking to the lead.
  • Two-Minute Buffer: Often offered, allowing you to prepare before engaging with the potential client.
  • Closing Rates: Significantly higher than turning 65 leads, as individuals are actively interested.
  • Comparison to Facebook/Google Leads: Higher cost, but much higher conversion potential and saves time.


  • Higher quality leads: Individuals are pre-qualified and actively seeking information.
  • Increased efficiency: Saves time by connecting you with pre-interested clients.
  • Higher closing rates: Leads are more likely to convert, justifying the higher cost.


  • Higher cost: Typically starts from $30-$100 per lead, significantly higher than turning 65 leads.
  • Less control: Limited control over lead generation process compared to self-sourced leads.

What to Expect:

  • Format: You receive a notification with basic information about the lead before the call transfer.
  • Work Flow: Focus on engaging the caller, understanding their needs, and presenting suitable plans.

Returns & Refunds:

Policies vary by provider, some offer limited guarantees or refund options for invalid leads. Carefully review the terms and conditions before purchasing.


Both turning 65 leads and live call transfer leads have their advantages and disadvantages. Choosing the right option depends on your budget, priorities, and risk tolerance. If you prioritize cost-effectiveness and reaching a broader audience, turning 65 leads might be suitable. However, for higher quality leads, increased efficiency, and higher conversion rates, live call transfers offer a compelling alternative, despite the higher cost. Weigh the pros and cons carefully and choose the option that best aligns with your specific needs and goals.