Score Every Life Insurance Lead Before You Call
ZipLync scores Final Expense and Term Life leads using the same proprietary scoring engine that powers our Medicare intelligence. Know which leads will convert — and which product they're best suited for — before your agents pick up the phone.
88x
Quality separation (ZipLync T10 vs T1)
<250ms
Pre-bid scoring latency
10
Conversion tiers
2
Life verticals (FE + Term)
Final Expense and Term Life — scored and routed
Final Expense
ZipLync scores FE leads for burial/funeral insurance conversion probability. The same proprietary scoring engine that powers Medicare, tuned for the Final Expense funnel.
- Pre-bid scoring at the ping (phone + ZIP)
- Built for FE-specific conversion patterns
- Two-factor EV model: P(convert) × P(persist) × margin
- Product router: FE / Term / No-bid recommendation
Term Life
Term life leads are scored using the same proprietary scoring engine. Higher-income, health-conscious demographics score higher — wellness signals separate good term leads from waste.
- Same proprietary scoring engine as FE
- Wellness vs. health-interest signal separation
- Agent-ready tier output for call prioritization
- API-first integration (same endpoints, life-scoped keys)
From lead ping to agent assignment in milliseconds
Receive a life insurance lead
A publisher sends a lead with phone number and ZIP code. Same minimal-input approach as Medicare scoring.
Predictive lead scoring
ZipLync analyzes phone and ZIP signals across predictive features and scores the lead for life insurance conversion probability.
Tier + product recommendation
The lead gets a tier (1–10) plus a product recommendation: Final Expense, Term Life, or no-bid. Route each lead to the right product and agent.
Prioritize and work
Your agents work Tier 8–10 leads first. Mid-tiers get standard treatment. Low tiers are declined or discounted — saving budget for leads that convert.
Why carriers and FMOs choose RiskLync for life
Pre-Bid Intelligence
Score every life insurance lead before you buy it. Know which ones will convert and which are a waste of your budget — in under 250 ms.
Product Routing
Not every life lead is the same product. ZipLync routes Final Expense leads to FE agents and Term leads to Term specialists — automatically.
Agent Prioritization
Tier 10 leads go to your best closers. Mid-tiers go to the general queue. Low tiers get declined. Every agent works the leads most likely to close.
Fraud & Waste Filtering
Phone-to-ZIP mismatches, recycled numbers, and synthetic leads are flagged before they enter your funnel. Protect your budget from waste.
Ready to score your life insurance leads?
Start a free pilot and see ZipLync intelligence on your real Final Expense and Term Life traffic. No integration fee, no commitment.