Which channels do agencies use?

Inbound calls, real-time lead records, referrals, and ads the agency runs itself. They are different events. A qualified call or lead is not a policy.

Which channel fits a captive agency, an independent, or a telesales floor?

Captives often start with the book and referrals, and they usually need tighter filters. Independents can place more carriers but still have to name the product. A dialing floor fits real-time leads only if someone will call them back at the speed you wrote down.

How do licensing and product split change the choice?

The channel does not create a license. Write the state and the product. Auto is not home, and term life is not final expense.

How do you compare true cost per sale?

Compare what you spent and the time, against policies you placed. Cost per call, cost per lead, and cost per acquisition are different invoices. CPA means cost per acquisition only.

How to Get Insurance Leads: Inbound Calls, Real-Time Leads, Referrals, and Your Own Ads Compared