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Insurance

Lead distribution for insurance

Screen the lead, run the auction, and get the rejection reason back — in one platform, in the same request.

Auto & home
Health & life
Medicare & final expense
Pay-per-call
Ping — 4 buyersbidding
1SureQuote190ms$18.50 Post
2CoverDirect204ms$17.10
3MedPlan Group281ms$14.25
Regional agencybreaker

Bids sorted highest first. The winner receives the full lead.

The problem

Where insurance lead spend leaks

High volume and high competition mean small percentages are real money.

Recycled and bot traffic

Aged leads resold as fresh, and non-human form fills that look perfect on paper. You pay for both.

Rejections with no reason

A buyer returns the lead and says nothing useful. Without the reason there is no feedback loop, so the same traffic keeps arriving.

Routing that spans five fields

State, age band, coverage type, schedule and daily cap all have to agree before a lead is worth sending.

Three tools, three numbers

Distribution, call tracking and fraud screening in separate systems means no single answer to "what did we make today".

Before the auction

Screen it before a buyer ever sees it

Fraud scoring, DNC and your own filters run in the same request as the post, so a lead that was never going to be accepted does not consume a buyer relationship — or your cap with them.

  • IPQS and Anura scoring on the inbound lead
  • DNC check before distribution, not after
  • Your own filters — state, age band, coverage type
  • TrustedForm and Jornaya consent certification, native
Fraud checkLOW RISK
6
IPQS fraud_score
vpn: falseproxy: false
IPQSAnuraDNC
verdict → ACCEPTED
After the post

Every rejection, with the reason attached

Rejections are grouped by cause and drill down to the individual lead, so you can tell a traffic problem from a buyer problem from a cap you set too low — and fix the right one.

  • Filter, duplicate, validation, buyer and cap, counted separately
  • Drill through to the lead that was rejected
  • Spot a buyer whose criteria moved without telling you
Rejection reasonslast 30d
Filter — out of state
384
Duplicate — 30d window
291
Validation — bad phone
148
Buyer — age band
112
Cap reached
47
Duplicate + validation rejections flag recoverable supplier revenue for review.
Routing

Caps that hold, per carrier

Buyers in this vertical buy to a daily number and stop. Caps are enforced at distribution time, so you find out before you send, not when the lead bounces back.

  • Daily and monthly caps per buyer
  • Schedules aligned to the call centre being open
  • Traffic rolls to the next buyer the moment a cap fills
Daily capslive
SureQuote — auto470 / 500
CoverDirect — Medicare238 / 400
MedPlan — health91 / 300
Calls

Form leads and calls on one ledger

Medicare and final expense convert on the phone. Calls route on the same buyer rules as forms, and land in the same revenue reporting — so the vertical has one P&L, not two.

  • Buyer schedules and caps apply to calls too
  • Recording and duration against the billable threshold
  • Call revenue in the same margin view as form leads
Call flowTaskRouter
Completed · 6:48Qualified · $46
Ring
Answer
Complete
What you get

One platform instead of five

The tools an insurance operation otherwise buys separately.

Ping/post auctions

Buyers bid on partial data and you sell to the best price, with a circuit breaker so one dead endpoint cannot stall the auction.

Redistribution

A soft reject is offered to the next buyer in line rather than written off.

Margin in real time

Revenue, source payout and clawbacks on one line, by campaign and by buyer.

No-code changes

Filters, caps and routing are configuration. Ops can move without waiting on a developer.

Click to conversion

The click, the lead, the call and the payout stay attached to each other.

Postback reconciliation

Delayed conversions match back to the lead that caused them, including policies bound weeks later.

FAQ

Frequently asked questions

Yes. Filters run on any field you collect, so state, age band, coverage type and credit tier can all gate a buyer, and a lead that matches no buyer is rejected before it costs you a relationship.

No. Datahubb is not a compliance product and does not provide legal advice. It gives you the evidence tools: TrustedForm certificate claiming and Jornaya LeadiD authentication run natively on the post, the consent data travels to the buyer with the lead, and numbers can be checked against DNC before distribution — but whether your traffic is compliant is a question for your counsel.

IPQS and Anura are supported as scoring providers, and they run before distribution alongside your own filters and a DNC check. A lead that fails never reaches a buyer.

Not in parallel. Each distribution run delivers the lead to one winning buyer, which is how exclusive and semi-exclusive insurance selling works, and exclusivity is what carriers pay a premium for. A soft reject can be redistributed to the next buyer in line, and duplicate windows stop the same consumer being resold inside a period you choose. If your model depends on selling one lead to several carriers at once, that is a genuine gap to plan around.

Yes. Pay-per-call runs on the same buyer schedules and caps as form leads, and both land in the same revenue and margin reporting, so a Medicare campaign has one profit number rather than one per channel.

See it running on your insurance flow

Bring a live campaign and a buyer, and we will route real traffic through it on the call.