Lead Purchase Terms

DRAFT: have an attorney review before launch. Last updated November 2026.

1. Eligibility

You must be a licensed life insurance producer in good standing in each state where you buy leads. You agree to keep your licensed states current and tell Coast2Coast Life right away if a license lapses. We may verify your license and suspend accounts at our discretion.

2. Lead types

• Exclusive leads are sold to one agent only.
• Shared leads may be sold to up to 3 agents.
• Live leads are ones submitted within the last 8 hours and are priced higher.

Leads are generated by consumers who request life insurance information through our website. We do not guarantee that any lead will result in a sale.

3. Payment

Purchases are paid from your prepaid account balance. Deposits are non-refundable except as required by law, but unused balances may be refunded when you close your account, less any processing fees. Promotional credits we add to your balance, such as referral and welcome credits, can be used for leads, plans, and dialer minutes only; they can't be withdrawn, refunded to a card, or paid out when you close your account.

4. Returns

You may request a return within 72 hours of purchase for leads with invalid contact information (for example, a disconnected phone number and a bouncing email) or obvious fake or duplicate submissions. Approved returns are credited to your balance. "Not interested" or "couldn't reach" are not grounds for a return.

5. Compliance

You are responsible for your own compliance with the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, federal and state Do Not Call rules, state telemarketing laws, and insurance advertising and solicitation rules. You will honor opt-out requests promptly. Each lead includes the consent wording, time, and IP address the consumer submitted with.

6. Use of lead data

Leads are licensed to you for the purpose of offering insurance products to that consumer. You may not resell, share, or publish lead data, and you must keep it secure.

We keep a record of your portal activity, such as sign-ins, pages viewed, and actions on leads and your account, for up to 90 days for security, support, and compliance.

7. Changes and termination

We may change prices and these terms at any time; changes apply to future purchases. We may suspend or close accounts that violate these terms.