---
title: "Low-Cost Leads for IUL Agents (Net Worth Filter Built In)"
description: "IUL closes on income and net worth — both fields are on every record in every unLocked lead subscription, starting at $47/month."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-iul-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-iul-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for IUL Agents (Net Worth Filter Built In)

## TL;DR

IUL is the product where the net worth and income-range fields earn their keep. Filter the file to households over $75k income or $100k net worth and the close conversation starts in a completely different place.

IUL is a financial sale, not an insurance sale. The prospects who close are the ones who already have something to protect — equity, savings, or a business. Aged data only works for IUL when you can filter the file by household financials before the first call. Every unLocked subscription includes both fields on every record.

## The IUL filter

- Income range $75k+ (or $100k+ for high-cap design)
- Net worth $100k+
- Age 35–60
- Homeowner = yes
- Product line includes life, retirement, or annuity

Run that filter on a Pro or Elite subscription and the file becomes a pre-qualified prospect list.

## The opening script

> "Hi {first_name}, this is {agent}. I'm following up on the life insurance info you requested. Most people I talk to in your situation are using the cash-value side as much as the death benefit — is that the angle you were exploring, or were you mostly looking at term?"

Asking about the cash-value angle on the opener filters tire-kickers in 30 seconds.

## Why Agency tier matters for IUL

IUL AOV is high enough that even a 0.5% issue rate on Agency-tier records (2,500/month at $497) covers the subscription many times over on a single case.
## 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-annuity-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-life-insurance-agents
- https://unlockedcrm.ai/blog/net-worth-data-on-aged-leads-how-to-sell

---

Source: [Low-Cost Leads for IUL Agents (Net Worth Filter Built In)](https://unlockedcrm.ai/blog/low-cost-leads-for-iul-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-iul-agents.