Pay-Per-App (PPA)
You pay $0 unless your agent submits an application.
Live, pre-screened Final Expense and Medicare callers go straight to your agents. No application, no charge. No timers, no per-minute penalties.
Starts at
$199 per submitted application
- Final Expense from $199
- Medicare from $199
Zero cost per call. You pay strictly on results, and your rate moves with your agents’ conversion.
Get your pay-per-application rateHow it’s counted
One charge: the submitted application.
Your agent logs the application during the call. That’s the only thing you’re billed for.
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Step 1: Call connects
A screened caller transfers live to your agent.
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Step 2: Your agent answers in a browser
No phone system and no dialer.
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Step 3: Application logged on the call
Your agent logs it before they hang up.
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Step 4: You’re charged
One charge from your prepaid balance. Calls that don’t close cost nothing.
Quality control
Every caller passes a 6-point quality gate.
Your agents sell to decision-makers, not tire-kickers. Anyone who doesn’t qualify never reaches them.
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Confirmed final expense interest
Interest in final expense coverage is confirmed before transfer.
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Independent decision maker
Confirms they don’t need a power of attorney to make financial decisions.
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Not in a nursing home or assisted living
Confirms they don’t live in a nursing home or assisted living facility.
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Age 40 to 85
Confirms they’re between 40 and 85.
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Active bank account or credit card
Confirms they have an active bank account or credit card.
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Ready to talk to a licensed agent
Agrees to speak with a licensed agent about their plan options.
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Active Medicare interest
Interest in Medicare plan options is confirmed before transfer.
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Parts A and B verified
Confirms they have Medicare Parts A and B.
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Not in a nursing home or assisted living
Confirms they don’t live in a nursing home or assisted living facility.
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Independent decision maker
Confirms they don’t need a power of attorney to make financial decisions.
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Active bank account or credit card
Confirms they have an active bank account or credit card.
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Ready to talk to a licensed agent
Agrees to speak with a licensed agent about their plan options.
- Only from your licensed states
- Only during your delivery hours
- Live calls, not lead lists
Full visibility
See every application you paid for.
Each application sits next to the call it came from, recording included. Nothing gets charged that you can’t see.
- Carrier, face amount and premium on every application
- The call and recording behind each one
- Closing percentage by agent and by day
Your rate
Starts at $199. Moves with your conversion.
Every program starts at $199 per submitted application for Final Expense and Medicare. Your rate follows your agents’ conversion, so what you pay tracks what they close.
From $199
Per submitted application, Final Expense or Medicare.
Moves with conversion
Your rate goes up or down as your agents’ conversion changes.
Prepaid
Fund your balance up front. Each application draws from it. No invoices.
What you need
What you need to start.
No dialer or phone system required.
Licensed agents
Licensed in the states you want calls from.
A browser
Your agents take calls and log applications right in the dashboard.
A prepaid balance
Fund it once and top it up from the dashboard whenever you need.
FAQ
FAQ
Common questions about pay per application.
Do my agents need a dialer?
No. They take calls in the dashboard, in their browser.
What if an agent forgets to log an application?
Every call and every application show side by side in your dashboard, so a call without an application stands out.
Can I switch to pay per call later?
Yes. Tell us and we’ll move your program.
Get started
Ready to get more applications written?
Tell us your target states, team size and daily volume. We’ll send your custom rate and your agreement.