The lead is already on the line.
In-market callers — final expense, veteran, Spanish and premium blend — routed to your headset the moment they qualify. Pay per call. No minimum purchase, no contract.
Dialing is the expensive part.
Most of the day is dead air
Voicemails, disconnected numbers, and people who never filled anything in. The hours go somewhere, and it is not into conversations.
The list went to four other agents
Shared and aged data means you are racing people who bought the same name. The first dial is already the fourth call that lead has taken.
Interest has a shelf life
Someone who asked about coverage on Tuesday is a different prospect by Friday. Inbound removes the gap entirely — they are asking right now.
They call in. We route it to you.
A caller responds to an ad and asks about coverage. We check they are in a state you are licensed in, on a plan you are sitting on, and that you are available. Then your headset rings with the record already on screen.
Matched on state, plan and whether you picked up.
Routing is not a round robin against a list. The caller is matched to agents who are licensed where that caller lives, sitting on a plan that covers that call type, and marked available in the dialer right now.
- Only states on your licence, so no call you cannot write
- The caller record opens on screen as the call connects
- Every call records and logs to the client file automatically
- Your dispositions feed what you are sent next
Pay per call. If it qualifies, it is billable.
Every plan opens with a qualification buffer — 10, 90 or 120 seconds — and the no-buffer plan opens without one. The buffer is your window to confirm the caller is someone you can actually write, before the call is billed.
Inside the buffer, you confirm
- Interested in life insurance or final expense
- Age 85 or younger
- In one of your licensed states
- Understands the coverage carries a monthly premium
- No language barrier on the call
On a 10-second plan the buffer has one job: confirm the call is live — someone on the line, not dead air.
Billable inside the buffer if you
- You disconnect a qualified caller
- You provide quotes
- You ask health questions
Each of these is something you would only do on a call you intend to work, so the call bills from that moment rather than at the end of the buffer.
Choose the buffer that suits how you sell.
Seven plans. A short buffer asks you to qualify fast; a longer one gives you room to work the caller before anything is billed. You can sit on more than one at a time.
| Plan | Who it is for | Buffer |
|---|---|---|
| FEX Standard 10 | Final expense, qualified fast | 10 sec |
| Premium Blend 10Popular | Mixed final expense and life, short buffer | 10 sec |
| Veteran FEX | Veterans and their families | 10 sec |
| FEX Spanish | Spanish-speaking callers | 90 sec |
| Premium BlendPopular | The full buffer to qualify before billing | 90 sec |
| Live Transfer | Transferred by a live agent, longest buffer | 120 sec |
| Premium No Buffer | Billable from the moment you connect | No buffer |
Each plan is priced per billable call, and its current rate is shown beside it when you choose a plan in your account. Plan availability depends on the states you are licensed in and your carrier appointments.
Six things between you and your first call.
All of it happens inside your PolicyTek account, and onboarding walks you through it.
- 01Add your licensed states
You only ever receive callers in the states you are licensed in. Add a state, and that market opens to you.
- 02Fund your wallet
Calls are drawn from your balance as they qualify. There is no minimum purchase — the balance is yours to spend on calls, and what you do not spend stays yours.
- 03Choose a call plan
Each plan shows its buffer and what it costs per call in your account. You can sit on more than one, and change plan whenever your focus does.
- 04Install the Chrome extension
It powers the dialer and pops the caller record on screen the moment a call connects, so you are never typing a name while someone waits.
- 05Go available
Test your headset, then mark yourself available. Calls route to agents who are live, licensed in the caller’s state, and on a matching plan.
- 06Disposition every call
How you mark a call feeds routing. Accurate dispositions directly affect the calls you are sent next.
Tell us where to reach you.
Your details, then straight on to creating your PolicyTek account — where you add your states, fund your wallet and pick a plan.
Questions agents ask first.
What makes a call billable?
A call becomes billable when it clears the qualification buffer — or earlier, if you do something inside the buffer that only makes sense on a call you intend to work: disconnecting a qualified caller, providing quotes, or asking health questions. A caller who does not qualify is not billed to you.
What is the buffer for?
It is the window at the start of the call where you confirm the caller qualifies, before any money changes hands. On 90 and 120-second plans you have room to run the full script — interest, age, state, premium, language. On a 10-second plan the buffer has one job: confirm somebody is actually on the line rather than dead air. No-buffer plans are billable from the moment you connect, so there is no window to qualify in — take one only when you are confident in the source.
Is there a contract or a minimum purchase?
No contract, and no minimum purchase. You fund your wallet, and you buy only the calls that qualify. Stop any time — your balance stays yours.
What happens with a caller aged 86 or older?
Final expense calls are for ages 85 and under, so a caller aged 86 or older does not qualify and is not billable to you — unless you hold an Aetna or GTL appointment, which are the carriers that will write those ages.
What does a call cost?
It depends on the plan — each one is priced per billable call, and the current rate is shown beside the plan when you choose it in your PolicyTek account. Creating an account costs nothing and does not commit you to a plan, so you can see every rate before you spend anything. If you would rather talk it through first, get in touch.
What products do these calls cover?
Life insurance and final expense. Auto, home, commercial and disability callers do not qualify and are not billed to you.
Can I take calls in Spanish?
Yes — FEX Spanish is its own plan, with a 90-second buffer. On every other plan a language barrier means the caller does not qualify, so take the Spanish plan rather than hoping for bilingual callers.
Do I need a PolicyTek subscription to take inbound calls?
You need a PolicyTek account, which is where your states, wallet, call plan and dialer live. Calls are bought per call from your wallet and are charged separately from a platform subscription — think of the subscription as the platform and calls as inventory.
How is this different from the Power dialer?
Inbound calls come to you: someone raises their hand and is routed to your headset live. Power is outbound — it dials form requests as they land and connects you once a live person picks up. Power runs on its own weekly plan with its leads included, and opens state by state.
Not sure which plan fits? Talk to us — we will look at your states, your carriers and your budget before you spend anything.