---
title: "Low-Cost Leads for Business Owner & Key Person Agents"
description: "Business owner segments live inside high-income aged files. Plans start at $47/month with income and net worth on every record."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-business-owner-leads
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-business-owner-leads
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Business Owner & Key Person Agents

## TL;DR

Business owner leads — for key person, buy-sell, executive bonus, and SEP/401(k) — sit inside any high-income aged file. Filter for $150k+ income and pivot the opener to business protection.

Pure business-owner lists cost $40–$100 per record. The same prospects sit inside any high-income aged life or retirement file at $0.20–$0.50.

## The filter

- Income $150k+
- Net worth $250k+
- Age 35–65

## The opener

> "Hi {first_name}, this is {agent}. You requested information on life insurance. A lot of the folks I work with at your income level run a business — is that you? If so, there are a few tax-advantaged ways to use the policy you should know about."
## 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 five 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) |
| Scale | $297/mo | 2 weeks aged, 1,500 leads | Producers scaling outbound past Elite |
| 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-infinite-banking-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-iul-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-401k-rollover-and-pension-agents

---

Source: [Low-Cost Leads for Business Owner & Key Person Agents](https://unlockedcrm.ai/blog/low-cost-leads-for-business-owner-leads) — 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-business-owner-leads.