Why chase leads?
Receive inbound calls.
No dialing. No door knocking.
Toggle on and take live inbound calls from people who are actively looking for final expense coverage—so you can stop chasing prospects and spend your time doing what you do best: helping families and closing sales.
Licensed agents only. Calls land right in your browser — nothing to install.
Incoming call
Final expense inbound
Margaret H.
Arizona
Age 67
Script prompt
"Hi Margaret, I'm the licensed agent who will be helping you compare final expense options today."
calltivateCall station
Final expenseReady to take calls?
You'll receive inbound calls on this computer.
Routing: this computer · 3 campaigns selected
100%
Exclusive calls
Inbound
They call you
TCPA
Compliant, consent verified
Grab a cup of coffee, sit back, scroll TikTok… wait for warm leads to call you looking for information and help with their final expense coverage.
Live inbounds. Built different.
From Ad to Application
They respond
A consumer sees a TV or social advertisement and calls to learn more.
We route the call
The call is matched to an available agent based on the campaign's routing criteria.
You answer live
The call comes directly to you while their interest is high and they're ready to have a conversation.
You track the outcome
Disposition the call and use real performance data to improve your results.
You sell. Calltivate keeps the conversations coming.
Final expense inbounds
Three call types. One inbound experience.
Pick the source that fits how you sell — every call rings straight to you.
Social Inbound Calls
Callers coming from social ad campaigns actively asking about final expense coverage.
Inbound Call —> Live Transfer
Customer-initiated inbound calls are live-screened by a human for eligibility, then warm-transferred directly to a licensed agent.
Premium TV Inbound Calls
Direct-response television viewers who dial in typically the moment they see the commercial.
Free buffers on every call
10, 30, and 90 second free buffers are available so you can qualify the caller before the call is ever billed.
Run your numbers
Your investment. Your close rate. Your potential.
Move the sliders to your own budget and close rate — the math updates live.
GI contracts here pay 25 points less than SIWL, so at 85% SIWL your GIWL business is figured at 60% — a blended 80.0%.
Calls / month
70
3.2 calls / day
$3,500 at $50 per call · Mon–Fri average
Policies / month
18
at a 25% close rate
CPA (cost per acquisition)
$194
$3,500 ÷ 18 sales
Monthly annualized premium written / return
$25,200 · 7.2x
Crushing it — at or above the 6x goal. Hold this standard.
$194 to acquire a policy paying $1,400 annualized.
6x goal · 5x strong · 4x minimum
Estimated annual gross issued production (before chargebacks)
$302,400
216 policies written over 12 months at $1,400 average annualized premium.
Estimated annual net issued production (after chargebacks)
$257,040
At 85% persistency — about 184 of 216 policies stay on the books.
Estimated Annual profit (after chargebacks and call investment)
$163,632
85% on $205,632 SIWL and 60% on $51,408 GIWL (20% of sales) — $205,632 earned on $257,040 net issued production, less $42,000 in call investment.
Estimated monthly profit (after chargebacks and call investment)
$13,636
$163,632 annual profit spread across 12 months.
Average commission per sale
$1,120
80% blended on $1,400 annualized premium.
Average profit per sale
$758
After chargebacks and call investment.
Average profit per billable call
$195
Every billable call, sold or not — 840 calls a year. The “no’s” are built into the math. The “yeses” make the math work. Don’t judge the call. Trust the average.
You don’t get paid on CPA. You get paid on policies written.
Don’t optimize for the cheapest conversation. Optimize for production.
The lowest CPA doesn’t always produce the best return. What matters is turning quality conversations into policies.
Because at the end of the week, the real scoreboard isn’t CPA—it’s policies written.
Results may vary, depending on how many states you're licensed in, the market, and how well you work each call — nothing here is a guarantee of income.
Go Live
One switch between you and your next sale.
Flip it on and inbound calls ring right in your browser. Flip it off the second you're done — no dialer, no downloads, no chasing.
You control when you work
Toggle availability on or off. The more time you're toggled available, the more opportunities you get. Need an hour or an afternoon off? Toggle unavailable.
Live calls, not old leads
The phone rings with someone interested in coverage — you're talking in seconds.
The script is already open
The right talk track appears the moment you pick up, so you never wing it.
Caller details up front
State, campaign, and free buffer timer are on screen when you say hello.
The future of selling doesn't begin with a dial or a knock—it begins with a ring.
Top agents stay toggled on. Average agents wait until it's convenient.
Best practices & expectations
Treat every call like an opportunity.
Calltivate puts live conversations in front of you. What happens next is up to you. The agents who get the best results not only take a large volume of calls, they also prepare better, respond faster, follow a process, track their numbers, and stay consistent.
Be ready before you go available
Quiet room. Strong connection. CRM open, carrier tools up, script within reach, full attention on the caller.
Available means available.
Answer fast
Inbound callers are reaching out because something caught their attention right now. Answer quickly, sound confident, and take control in the first few seconds.
Speed matters.
Stay present
Don't take calls while driving, eating, or handling something else. People can hear when they have your full attention.
Treat every call like it could become your next policy.
Expect “no” along the way
You won't close every call, and that isn't failure — that's sales. Some hang up, some don't qualify, some won't buy today. Those outcomes are part of the numbers that get you to the policies that do close.
Don't judge one call. Judge your results over a large volume of calls.
Know your numbers
Track more than what each call costs. Watch the full picture:
The goal isn't the cheapest call. It's profitable production.
Give campaigns enough volume
Five calls don't define a campaign. Neither does one great call — or one bad one. Give yourself enough conversations to see real patterns before drawing conclusions.
Small samples create big assumptions.
Follow a process
Great agents don't reinvent the presentation every call. Build rapport, understand the situation, identify the need, explain the options, ask for the business. Be conversational, but stay intentional.
Process creates consistency.
Sell the conversation you have
Age, tone, hesitation, background noise, or a rough opening doesn't decide whether someone buys. Ask questions, build trust, find the need.
Let the process, not your assumptions, decide.
Follow up
Not every opportunity closes on the first conversation. When it's appropriate and permitted, follow up professionally and promptly.
A “not now” doesn't always mean “never.”
Protect the customer
Be clear, honest, and compliant. Never misrepresent coverage, pricing, benefits, carriers, eligibility, or why the consumer is speaking with you. Only recommend coverage that genuinely fits their needs.
Production never comes before integrity.
Protect your persistency
A policy that lapses doesn't help the client or your business. Set accurate expectations, confirm affordability, explain draft dates, and make sure they understand what they bought.
Good sales stay on the books.
Review your calls
Your calls are your game film. Listen for where you lost control, missed a question, rushed, talked too much, never uncovered the need, or never asked for the sale.
Every call can make the next call better.
Control what you can control
You can't control every caller. You can control your preparation, attitude, tonality, questions, presentation, follow-up, activity, and consistency.
Focus there.
FAQ
Common questions
Are these really inbound calls?+
Yes. The prospect sees an ad, picks up their phone, and dials in. You never dial out. When you're live, calls route straight to you.
Are the calls exclusive?+
Every call goes to one agent — you. No shared lists, no re-sold data, no racing three other agents to the phone.
What do I need to get started?+
An active life insurance license, a headset, and a computer or iPad. Calls ring from the platform — there's nothing to install. Super simple and easy.
Can I control when I take calls?+
Yes. One toggle controls your availability. Go live when you're ready, switch off when you're done for the day.
See it in action
Book your 20-minute demo.
Walk through the platform, map out your call strategy, and get every question answered.