---
title: "Low-Cost Leads for Annuity Agents (High Net Worth Aged Data)"
description: "Annuity prospects are about income protection. Filter by age 55+ and net worth $250k+ on any unLocked subscription — plans start at $47/month."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-annuity-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-annuity-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Annuity Agents (High Net Worth Aged Data)

## TL;DR

Annuity is the highest-AOV product in the lineup and the easiest to justify on aged data. Filter for age 55+, retired or near-retirement, with net worth above $250k, and the per-issued-policy economics dwarf every other channel.

Annuity producers have historically avoided aged data because they assumed the file wouldn't qualify financially. Every unLocked record now ships household income and net worth — both bracketed — which flips that assumption.

## The annuity filter

- Age 55+
- Net worth $250k+
- Income range $60k+
- Marital status married or widowed
- Product line includes annuity, retirement, or IRA

That single filter pulls a retirement-ready slice out of any subscription tier.

## The discovery opener

> "Hi {first_name}, this is {agent}. I'm following up on the retirement income info you requested. Most folks I talk to are trying to figure out how much they can pull without running out — is that the question you were trying to answer, or was it more about the tax piece?"

Two open-ended choices, both pre-qualifying.

## Why Pro and Elite are the right tiers

Annuity producers don't need volume — they need quality and recency. Pro or Elite gives plenty of filtered inventory at $97 or $197 a month, with Elite's 2–3 week vintage hitting the sweet spot for retirement-income conversations.
## What every record in the file includes

Every unLocked lead subscription ships the same 12 data points per record:

- **Full name** (first and last)
- **Phone number** (direct dial)
- **Email** (when available)
- **Full address** — street, city, state, zip
- **Age / date of birth**
- **Income range** (household bracket)
- **Net worth** (household estimate)
- **Marital status**
- **Children** (count in household)
- **Homeowner indicator**
- **Product line** the prospect originally inquired about
- **Vintage stamp** (exact age of the record)

You can filter the file by product line, state, zip, and age before download. The CSV maps 1:1 with unLocked CRM, so it imports straight into the dialer, SMS, email, and AI Voice OS workflows.

## The four subscription tiers

| Plan | Price | Vintage | Best for |
|---|---|---|---|
| Starter | $47/mo | 5–6 weeks aged | Solo agents testing the channel |
| Pro | $97/mo | 4–5 weeks aged | 1–3 producers |
| Elite | $197/mo | 2–3 weeks aged | 3–5 producers (most popular) |
| Agency | $497/mo | 1–2 weeks aged, 2,500 leads | 5–25 producer floors |

Same record schema across every tier — only the vintage and volume change.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/low-cost-leads-for-iul-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-medicare-agents
- https://unlockedcrm.ai/blog/net-worth-data-on-aged-leads-how-to-sell

---

Source: [Low-Cost Leads for Annuity Agents (High Net Worth Aged Data)](https://unlockedcrm.ai/blog/low-cost-leads-for-annuity-agents) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/low-cost-leads-for-annuity-agents.