---
title: "Low-Cost Leads for T65 Agents (Aged Data That Hits the Birthday Window)"
description: "Turning-65 agents can filter aged data by exact age band to land inside the 6-month IEP window — plans start at $47/month."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-t65-medicare-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-t65-medicare-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for T65 Agents (Aged Data That Hits the Birthday Window)

## TL;DR

T65 agents win on aged data when they filter by exact age and run a 6-month nurture cadence into the IEP window. Every unLocked record carries date of birth, so you can pre-build a 6–12 month T65 pipeline from a single file.

T65 is the most predictable Medicare segment because the buyer event is on a calendar. Aged data wins for T65 when you stop chasing this month's birthdays and start building a 6–12 month pipeline.

## The T65 filter

- **Inside IEP** — age 64.5–65.5 for live dialer + AI Voice OS
- **Pipeline build** — age 63–64.5 for a 6–12 month nurture sequence
- Filter by state to match your appointments

## The compliant T65 cadence

1. Day 1 SMS — "I help folks navigate Medicare a few months before 65 — is now too early to chat?"
2. Day 2 AI Voice OS — confirm interest, route to nurture or appointment
3. Monthly drip — value content until 6 months out
4. SOA send — when prospect is inside IEP
5. Enrollment

## Tier recommendation

T65 pipeline build runs perfectly on Pro ($97). Agencies running both pipeline build and AEP volume should add Elite or Agency on top.
## 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-medicare-agents
- https://unlockedcrm.ai/blog/how-to-work-aged-medicare-leads-2026
- https://unlockedcrm.ai/blog/starter-vs-pro-vs-elite-vs-agency-plan-comparison

---

Source: [Low-Cost Leads for T65 Agents (Aged Data That Hits the Birthday Window)](https://unlockedcrm.ai/blog/low-cost-leads-for-t65-medicare-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-t65-medicare-agents.