Pay-Per-Call Final Expense: How It Works for Agents

What pay-per-call means

Pay-per-call final expense means you pay when a phone call meets a billing rule, not when a vendor delivers a name. The rule is the product. Two offers can both say pay per call and still bill you for completely different events: the instant the audio connects, a duration the vendor picked, a transfer a screener marked qualified, or a connected conversation that reaches a published buffer.

InboundHQ's rule is the buffer. A senior sees our television ad and dials. You answer in the softphone. If connected time reaches the buffer, the wallet is charged $70. If the call ends before that, the charge is $0. The price does not climb when the call runs long. There is no industry-average price on this page, because we are not going to invent one. The call itself is described on final expense TV calls.

Pay per call is not pay per lead

Pay per lead and pay per call get bundled in the same ads. A lead is a record you still have to dial. You can pay for that record and never reach a person. A call is time with a person, or at least a connection to one. Which of those you bought should be obvious from the invoice: a row with a phone number and a date is a lead. A row with a duration, a recording, and a charge is a call.

Agents searching for pay per call insurance leads are often trying to leave the spreadsheet behind. If the vendor still emails a file, the words on the invoice did not change the work. InboundHQ does not sell insurance leads as names. The inbound version of this distinction is final expense inbound calls. The folder for every final expense page is final expense calls.

The InboundHQ billing rule

Connected time starts when you answer in the softphone and ends at hangup. The buffer for the campaign is on the screen in the portal before you go online, so you are not discovering it on the first bill. Ring time does not count. Hold time before you answer does not count. A call that never connects does not count. A call routed to another agent does not count. A test call we place during setup does not count. The same sentences, with the examples, are the buffer guidelines.

Under the buffer you see a line in the log and a $0 charge. At the buffer the call is billable at $70. Well past the buffer it is the same $70. The buffer is not a limit on how long you may talk, and it is not a promise that the caller will buy. A call that reaches the buffer is billable even when you decide the caller was not a fit. That situation is a dispute, not a silent refund.

What else you pay

The $70 does not include the seat. The seat is $97 a month per agent, first 30 days free, cancel any time. It is billed to the card, not taken from the wallet. It pays for the softphone, the portal, the recordings, disputes, and support by ticket. If you stop paying the seat, routing turns off and the credits stay until you come back or close the account.

The wallet is how calls are paid. The minimum top-up is 5 calls, $350. Card, instant bank payment, or ACH. Later top-ups are 5 calls or more. There is no smaller top-up. Credits do not expire while the account is active. When you close, unused credits are refunded within five business days, less the payment processor's fee described on the pricing page. Billed calls are not refunded on request.

How to read someone else's pay-per-call offer

Ask what event creates the charge, and ask what a one-second call costs. An offer that bills on connect will charge you for wrong numbers and immediate hang-ups. An offer that bills after a duration might be closer to a buffer, but the duration and the definition of connected time are the vendor's. Get both in writing before you compare the dollar figure to $70.

Our TV calls page answers the question agents ask when they see a lower connect-billed rate elsewhere. The point of that answer is to compare the buffer, not the sticker. This page will not add new competitor prices on top of that one published comparison.

1. What event bills you?
2. What does a call under that event cost?
3. Does the price change if the call runs long?
4. Is the call exclusive to you?
5. Is there a monthly seat besides the per-call price?
6. How do you dispute, and how fast does a person reply?

Disputes are part of the price

Every call is recorded, both sides, with a consent notice before the caller is connected. You file a dispute from the call row within 48 hours and give a reason. A person listens to the recording and replies in writing within one business day. If the dispute is approved, the credits go back to the wallet. If you wanted an automatic refund because the call did not close, that is not the rule. A dispute is a review.

Recordings and call records are kept 12 months, then deleted. Disputed calls are kept 24 months. You can play the recording from the call row while it is kept. A pay-per-call account without a recording is a harder dispute. Ours has the recording because the charge and the audio arrive together.

What the call on the other end actually is

The pay-per-call product is the TV inbound. Daytime television, broadcast and streaming, callers we describe as 60 to 80, mostly retired, at home, wanting a price for burial or final expense coverage. One agent per call. Hours 9am to 8pm ET, Monday through Friday. Chrome and a headset. Your cell phone never rings. A missed ring is not billed. Spanish-language calls are not at launch. You need a life license in every state you turn on.

Streaming does not change the price. CTV final expense calls is explicit that connected TV is a screen, not a second rate. A live transfer can also be sold as pay per call, with the vendor's own trigger. We do not sell transfers. live transfers vs inbound calls is the comparison, without a made-up close rate.

How a published wallet example adds up

The pricing page prints one afternoon as an illustration, not as a forecast. A $350 top-up goes in. Three TV calls that ran past the buffer come out at $70 each. One call ends under the buffer and shows $0. One of the billed calls is later disputed as the wrong product, a person listens, and $70 returns to the wallet. You can redo that arithmetic with a pencil. It uses only the published $70 and the published $0.

What the illustration is not: a typical day, a close rate, or a promise that a dispute will be approved. Your log will not match those clock times. Use it to see the shape of pay-per-call on this account. Money leaves the wallet only for calls that reached the buffer. Money can come back only through the dispute review or, if you close the account, as a refund of unused credits. The seat never appears in that wallet math, because $97 a month is on the card.

If a pay-per-call contract you are comparing cannot be walked through the same way, with a written trigger and a written price for a short call, you do not have a comparable offer yet. Get those two sentences before you compare their number to $70.

Agencies and the application

An agency pays $147 a month for the owner dashboard plus $97 per agent, first 30 days free. Calls are still $70 from the wallet after the buffer. You can run one wallet or one per agent. Volume rates exist only above a monthly minimum agreed in writing. The agency write-up is final expense TV calls for agencies.

Approval is within one business day. Most agents take a call the day they are approved, once training is passed and the wallet is funded. The TV training is five minutes and a quiz. A person answers a support ticket within one business day.

The compliance page explains that the consumer placed the call, and it states the callback practices. This isn't legal advice; talk to your compliance team or attorney. When the billing rule is the one you want, apply for final expense calls.

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