---
title: "Cost Per Acquisition: Aged Leads vs Exclusive Leads (Real Numbers)"
description: "Why a $497 Agency subscription often beats $25 exclusive leads on cost-per-issued-policy — modeled on real Medicare and life production."
url: https://unlockedcrm.ai/blog/lead-cost-per-acquisition-aged-vs-exclusive
canonical: https://unlockedcrm.ai/blog/lead-cost-per-acquisition-aged-vs-exclusive
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Cost Per Acquisition: Aged Leads vs Exclusive Leads (Real Numbers)

## TL;DR

At a 1.5% issue rate, 2,500 Agency leads at $497/month produce roughly 37 issued policies — a CAC near $13. Exclusive leads at $25 each producing the same 37 issues would cost over $2,400 in raw lead spend.

Exclusive lead pricing assumes you'll close a higher percentage. Aged lead pricing assumes you'll work more volume. Both can win — it depends on the math.

## The model

Assume 1.5% of aged leads result in an issued policy. On the Agency plan:

- 2,500 leads × 1.5% = **37 issued policies**
- $497 ÷ 37 = **~$13 CAC per policy**

Same 37 policies on $25 exclusive leads (assume 8% close rate):

- 37 ÷ 8% = **463 leads needed**
- 463 × $25 = **$11,575 in lead spend**
- CAC = **$313 per policy**

## When exclusive still wins

- Annuity premium where AOV justifies higher CAC
- Producers without dialer capacity
- New agents who need pre-qualified appointments

## When aged wins

- Multi-producer floors with dialer capacity
- Teams running AI Voice OS for first-touch
- Cross-sell campaigns where the record value compounds over time

## FAQ

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## Related

- https://unlockedcrm.ai/blog/unlocked-leads-agency-plan-2500-leads-per-month
- https://unlockedcrm.ai/blog/best-aged-lead-vintage-for-medicare-and-life
- https://unlockedcrm.ai/blog/aged-insurance-leads-vs-exclusive-leads-cost-breakdown

---

Source: [Cost Per Acquisition: Aged Leads vs Exclusive Leads (Real Numbers)](https://unlockedcrm.ai/blog/lead-cost-per-acquisition-aged-vs-exclusive) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/lead-cost-per-acquisition-aged-vs-exclusive.