---
title: "Low-Cost Leads for Living Benefits / LIRP Agents (Aged Data With Built-In Income Filter)"
description: "Living benefits and LIRP designs need income-qualified prospects. Every record ships income and net worth. Plans start at $47/month."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-living-benefits-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-living-benefits-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Living Benefits / LIRP Agents (Aged Data With Built-In Income Filter)

## TL;DR

Living benefits riders and LIRP designs are an income-replacement and tax-free retirement story. Filter aged files for $60k–$200k income and the conversation routes directly to the cash-value pitch.

LIRP (Life Insurance Retirement Plan) producers have a single problem — finding households with enough income to fund the policy without choking it. Aged subscriptions solve that with the income-range field.

## The LIRP filter

- Income $60k–$200k
- Age 30–55
- Homeowner = yes

## The opener

> "Hi {first_name}, this is {agent}. You requested information on life insurance. Most people I work with are using these policies for two things — protection now and tax-free income later. Which side mattered more to you?"
## 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-iul-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-infinite-banking-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-whole-life-agents

---

Source: [Low-Cost Leads for Living Benefits / LIRP Agents (Aged Data With Built-In Income Filter)](https://unlockedcrm.ai/blog/low-cost-leads-for-living-benefits-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-living-benefits-agents.