---
title: "Low-Cost Leads for Term Life Agents (High-Volume Aged Data at $47/mo)"
description: "Term life is the highest-volume conversion on aged data. Plans start at $47/month with full household data on every record."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-term-life-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-term-life-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Term Life Agents (High-Volume Aged Data at $47/mo)

## TL;DR

Term life is a price-and-coverage sale. Aged subscriptions are perfect because term buyers shop for weeks before pulling the trigger. Filter for age 25–55 with children in the household and the file converts fast.

Term life is the easiest aged-lead sale in the building. The buyer already knows what they want — a price quote on $250k–$1M for 20 or 30 years. Aged data closes because the buying window is wider than the industry assumes.

## The term filter

- Age 25–55
- Children in household = yes
- Homeowner = yes
- Income $50k+

## The opening script

> "Hi {first_name}, this is {agent}. You requested term life pricing a few weeks ago. Most people I quote are deciding between a 20 and a 30 — do you have a number in mind for coverage amount and length?"

You're quoting in under 60 seconds.

## Why Agency tier dominates term

Term AOV is small, so volume is the entire game. Agency tier (2,500 records at $497) feeds a dialer floor for less than the cost of two exclusive transfers.
## 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-whole-life-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-mortgage-protection-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-life-insurance-agents

---

Source: [Low-Cost Leads for Term Life Agents (High-Volume Aged Data at $47/mo)](https://unlockedcrm.ai/blog/low-cost-leads-for-term-life-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-term-life-agents.