How is insurance pay-per-call pricing set?

Prices are set per vertical and per state using real-time bidding with a fixed floor. Buyers pay only for calls that meet the qualifying duration threshold agreed up front.

Which insurance lines does Marketing Wagon support?

We run campaigns across auto, home, renters, health, Medicare Advantage, Medicare Supplement, life, final expense, and commercial insurance. State and product routing is configured per buyer.

How do you handle TCPA and consent?

Publishers must document how each caller opted in, including source URL and consent language. Calls that fail consent checks are rejected before they reach a licensed buyer.

What qualifying duration is standard for insurance calls?

Most insurance buyers use 90 to 180 seconds as a billable threshold, though final expense and Medicare campaigns often run longer. We configure duration per campaign, not per network.

Do agents need to be licensed in the caller's state?

Yes. Calls route only to agencies and carriers licensed in the caller's state. State routing rules are enforced at the platform level, not left to reps.

Can I start with a single state or vertical?

Yes. Most advertisers begin in one or two states and one insurance line, then scale geography and product mix once quality is validated.

Insurance

Pay-per-call marketing built for insurance

Marketing Wagon delivers approved inbound calls to insurance agencies, brokers, and carriers. From auto and home to Medicare and final expense, we connect licensed teams with callers ready to talk.

Talk to our insurance team Explore all categories

Why insurance sells on the phone

Insurance is a conversation-driven purchase. Callers want a real person to walk them through options and pricing.

High-intent shoppers

Callers ask for a quote because they want coverage now, not a follow-up email in a week.

State and license routing

Route calls by state so licensed agents receive the right leads for their jurisdiction.

Duration-based billing

Pay only for calls that clear your qualifying duration threshold.

TCPA-aware supply

Publishers must follow consent and disclosure standards aligned with insurance marketing rules.

Insurance lines we support

Campaigns across the major personal and health insurance categories.

Auto insurance
Home insurance
Renters insurance
Health insurance (U65)
Medicare Advantage
Medicare Supplement
Life insurance
Final expense
Auto and home bundles
Commercial insurance

A closer look at insurance pay-per-call

How insurance pay-per-call marketing works

Insurance shoppers rarely convert on a form. They want a licensed agent who can compare carriers, explain deductibles, and quote in real time. Pay-per-call marketing pairs that intent with a phone number that routes directly to your team.

Publishers drive calls through search, native, and content placements built around insurance intent keywords. Each call is tagged with source, state, and consent metadata before it hits your call flow.

Buyers set a qualifying duration that reflects when a call typically becomes a policy conversation. Calls that clear that threshold are billable; shorter calls are not. That single rule keeps incentives aligned across advertisers, publishers, and Marketing Wagon.

What makes a quality insurance call

The best insurance calls come from callers who are actively shopping and are ready to speak with an agent in their state. That means transparent traffic sources, clear opt-in language, and consent captured before the call is placed.

State-level routing matters more in insurance than in most verticals because agent licensing, product availability, and rate filings are all state-scoped. Every campaign we run enforces state routing at the platform layer.

Quality also depends on call flow. Duration thresholds, IVR menus, business hours, and daily caps are configurable per buyer so calls land with the right team at the right time.

Compliance matters

Compliance built into every insurance campaign

Insurance marketing carries strict expectations. We require publishers to follow consent, disclosure, and traffic-source standards, and we route calls only to licensed, approved buyers.

Consent documentation

Every source must show how the caller opted in to be contacted.

Licensed buyers

Calls route only to licensed agencies and carriers in the caller's state.

Call recording and review

Duration, source, and outcome data support quality review and dispute handling.

Frequently asked

Insurance pay-per-call, answered

Common questions from agencies, brokers, carriers, and publishers running insurance campaigns.

How is insurance pay-per-call pricing set?: Prices are set per vertical and per state using real-time bidding with a fixed floor. Buyers pay only for calls that meet the qualifying duration threshold agreed up front.
Which insurance lines does Marketing Wagon support?: We run campaigns across auto, home, renters, health, Medicare Advantage, Medicare Supplement, life, final expense, and commercial insurance. State and product routing is configured per buyer.
How do you handle TCPA and consent?: Publishers must document how each caller opted in, including source URL and consent language. Calls that fail consent checks are rejected before they reach a licensed buyer.
What qualifying duration is standard for insurance calls?: Most insurance buyers use 90 to 180 seconds as a billable threshold, though final expense and Medicare campaigns often run longer. We configure duration per campaign, not per network.
Do agents need to be licensed in the caller's state?: Yes. Calls route only to agencies and carriers licensed in the caller's state. State routing rules are enforced at the platform level, not left to reps.
Can I start with a single state or vertical?: Yes. Most advertisers begin in one or two states and one insurance line, then scale geography and product mix once quality is validated.

Ready to grow policy volume?

Share your target states, qualifying duration, licensing scope, and operating hours. We will match you with approved insurance call sources.

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