Lead Types

Exclusive vs Shared Insurance Leads

Exclusivity changes who you compete with, how fast you need to move and what a lead is worth to you.

By Freedom Marketing Group · Published

A shared lead is sold to more than one agency. An exclusive lead is sold to one. That single difference affects price, competition, consumer experience and how your team needs to work.

How each works

With shared leads, a consumer's information goes to several buyers, often at once. The cost is split, so each buyer pays less, but every buyer is calling the same person.

With exclusive leads, one buyer receives the record or call. You pay the full acquisition cost, but you aren't racing other agencies to the consumer.

Comparison

ExclusiveShared
Competition for the consumerNone from other buyers of the same leadSeveral agencies may contact the same person
Speed pressureStill importantCritical; first contact often wins
Price per leadHigherLower
Consumer experienceOne agency reaches outMay receive many calls
Best fitTeams focused on contact qualityHigh-capacity dialing teams

The economics

A shared lead is cheaper, but if your contact and close rates fall because of competition, your cost per sale can end up higher. Compare both using cost per acquisition in the calculator.

What buyers should verify

  • Exactly how many buyers receive each lead or call
  • Whether exclusivity is guaranteed in writing
  • Whether the lead is ever resold later as an aged lead
  • How consent was captured and for whom
  • What happens to records that turn out to be duplicates

Related resources

Educational information only; not legal, tax or financial advice. Confirm regulatory requirements with qualified counsel and current official guidance.