InsureMe Review

Overview

Features	First 10 Leads are Free 700+ Custom Filters High Closing Ratios Pay as You Go Pricing No Sign Up Fees or Long Term Commitments Personal Account Rep Free Helpful Resources Ability to Select Number of Agents Sharing Your Lead
Lead Costs	Auto	$4.00 - $11.00
	Health	$3.00 - $10.00
	Home	$11.31 (base)
	Life	$12.55 (base)
	Long Term Care	$14.95 (base)
Lead Filters	Geographic Zip Code County State Consumer Filters Auto & Health Lead types each have specific preset filters Home, Life & LTC have customizable filters
Agents Per Lead	At Least 6+, average of 3.5
Other Company Partnerships	Yes
Special Offers	First 10 Leads are Free
Website	Sign Up Now!

About InsureMe

InsureMe has been in the online insurance lead generation business since 1993. Their agents are loyal; 500 have been signed up for 5 years or more. InsureMe offers leads for all personal lines of insurance and uses customizable filters to let agents receive only the types of leads that fit their preferences. In 2008, InsureMe was acquired by BankRate.com.

Costs

InsureMe.com uses more of a hybrid pricing model compared to other lead generation companies. For their auto and health leads, they have different options with preset filters and a fixed price for each option. For their Home, Life and Long Term Care leads, they have a base price and customizeable filters with varying prices for each.

General Options	Preferred Leads Program	$3.00 - $8.00
Auto Leads	Premium	$11.00
	Preferred	$9.00
	Choice	$7.00
	Select	$5.00
	Standard	$4.00
Health	Premium	$10.00
	PreExisting	$3.00
	Med Supplements	$8.00
Home	Base Price	$11.31
	General Filters
	Customer email addresses	$2.38
	Current insurance requirements	$3.91 - $12.47
	Credit requirements	$2.33
	Minimum number of days until policy expires	$1.85 - $4.85
	Maximum number of days since policy expired	$0.20 - $1.26
	Homeowners Filters
	Minimum age of dwelling	$1.08 - $9.46
	Maximum age of dwelling	$0.53 - $16.47
	Minimum sq. footage of home	$1.32 - $16.45
	Minimum dwelling coverage	$3.54 - $13.08
	Maximum dwelling coverage	$0.04 - $11.19
	Type of construction	$0.77
	No Chow, Doberman, German Shepherd, Pit Bull, Rottweiler	$0.24
	Roof type	$0.34
	Homeonwers Insurance Types to Exclude
	Exclude homeowners?	$0.00
	Exclude condo/townhome?	$0.33
	Exclude landlord policies?	$0.35
	Exclude renters?	$1.14
	*Number of Claims*
	Maximum number of claims	$0.01 - $0.76
	*Combination Insurance Types*
	Auto	$3.50 - $13.95
	Health	$0.23
	Life	$0.18
Life	Base Price	$12.55
	*General Filters*
	Marital restrictions	$5.04 - $17.57
	Homeowner	$7.03 - $12.60
	Smoker restrictions	$2.17
	Customer email addresses	$4.07
	Primary insured's gender	$7.67 - $11.56
	Employer	$1.30
	Current insurance requirements	$9.90 - 15.91
	*Age Restrictions*
	Age of youngest person to insure	$0.70 -$18.55
	Youngest person's age if no children on policy	$0.01 - $16.54
	Youngest child's age if on the policy	$0.85 - $1.41
	Youngest parent's age if children included	$0.00 - $1.40
	Age of oldest person to insure	$0.00 - $16.01
	*Pre-Existing Health Conditions*
	ALL pre-existing health conditions	$7.94 - $11.16
	MAJOR pre-existing health conditions (cancer, heart attack, AIDS, pregnancy, depression) or declined coverage	$1.69
	Asthma	$0.55
	Diabetes	$0.80
	High blood pressure	$2.06
	Cancer	$0.25
	Heart attack or stroke	$0.28
	AIDS	$0.04
	Other unlisted major illnesses	$0.41
	Depression	$0.69
	Maximum BMI	$1.39 - $8.29
	*Life Insurance Filters*
	Term life restrictions	$7.62 - $11.62
	Minimum death benefit	$5.96 + $19.25
	Maximum death benefit	$0.81 - $16.41
	*Combination Insurance Types*
	Auto	$1.01
	Home	$0.68
	Health	$0.23
	Life	$2.07
Long Term Care	Base Price	$14.95
	*General Filters*
	Marital restrictions	$8.95 - $14.05
	Homeowner	$5.75
	Smoker restrictions	$2.24
	Customer email addresses	$5.29
	Primary insured's gender	$10.25 - $12.27
	Employer	$1.53
	Minimum asset requirement	$4.63 - $15.38
	*Age Restrictions*
	Age of youngest person to insure	$5.33 - $13.50
	Youngest person's age if no children on policy	$3.42 - $16.90
	Youngest child's age if on the policy	$0.90 - $1.06
	Youngest parent's age if children included	$0.70 - $1.06
	Age of oldest person to insure	$0.00 - $19.63
	*Pre-Existing Health Conditions*
	ALL pre-existing health conditions	$3.19
	MAJOR pre-existing health conditions (cancer, heart attack, AIDS, pregnancy, depression) or declined coverage	$0.68
	Asthma	$0.78
	Diabetes	$1.37
	High blood pressure	$4.70
	Cancer	$0.67
	Heart attack or stroke	$0.61
	AIDS	$0.03
	Other unlisted major illnesses	$0.91
	Denied health coverage in last 12 months?	$0.30
	Depression	$0.47
	Maximum BMI	$1.60 - $8.85
	*Combination Insurance Types*
	Auto	$1.08
	Home	$0.82
	Life	$1.81

Filters

InsureMe has customizeable filters for some of their insurance leads and fixed filters for others. Since, specficailly for their auto leads, their filter options are practically word for word with NetQuote's, that this system is in place to aid the transfer of leads from one to the other.

InsureMe claims to have 700+ filters for their quotes. From looking around the site, it seems that this includes each specific option under their filters and not 700+ filtering types. Still, compare to most other lead companies, they have an abundant amount of ways to make sure you only get the leads you want - although they do come at an increased cost.

An additional filter that will be mentioned more in the next section is what they call their "Preferred Lead Program." This filter allows you to limit the number of other agents that also receive the same lead as you.

Geographic Filters	Zip Code County State
General Lead Filters	Max Weekly Leads Max Daily Leads
General Lead Filters	Preferred Lead Program	Leads can be Matched 3 times or less Leads can be Matched 4 times or less Leads can be Matched 5 times or less
Auto Leads	Premium	No at-fault accidents No tickets 2 years continuous insurance One driver at least 25 years old
	Preferred	No at-fault accidents No more than one ticket Current insurance One driver at least 22 years old
	Choice	No more than one at-fault accident No tickets Current insurance One driver at least 22 years old
	Select	No at-fault accidents No more than one ticket No current insurance One driver at least 22 years old
	Standard	Tickets Accidents Alcohol violations Suspension SR 22 Drivers 21 and younger
Health Leads	Premium	Filtered Out AIDS Cancer Depression Diabetes Heart Attack Stroke Alzheimer's Major Health Condition BMI over 35 Denied Coverage Pregnancy Consumer must be under the age of 64 ½
	PreExisting	Include At Least One AIDS Cancer Depression Diabetes Heart Attack Stroke Alzheimer's Pregnancy BMI over 35 Denied Coverage Other Major Health Condition Consumer must also be under the age of 64 ½
	Med Supplements	Consumer must also be over the age of 64 ½
Home Leads	General Filters
	Customer email addresses	Require Email Address
	Current insurance requirements	Must Have Current Insurance Must NOT Have Current Insurance
	Credit requirements	Must NOT Have Poor Credit
	Minimum number of days until policy expires	Require At Least 7 Days Until Renewal Require At Least 14 Days Until Renewal Require At Least 30 Days Until Renewal Require At Least 60 Days Until Renewal Require At Least 90 Days Until Renewal
	Maximum number of days since policy expired	Policy Expired Within 90 Days Policy Expired Within 60 Days Policy Expired Within 30 Days Policy Expired Within 14 Days Policy Expired Within 7 Days
	Homeowners Filters
	Minimum age of dwelling	Require Home Built At Least 5 Years Ago Require Home Built At Least 10 Years Ago Require Home Built At Least 20 Years Ago Require Home Built At Least 25 Years Ago
	Maximum age of dwelling	Require Home Built Within The Last 75 Years Require Home Built Within The Last 65 Years Require Home Built Within The Last 50 Years Require Home Built Within The Last 40 Years Require Home Built Within The Last 35 Years Require Home Built Within The Last 30 Years Require Home Built Within The Last 25 Years Require Home Built Within The Last 20 Years Require Home Built Within The Last 10 Years
	Minimum sq. footage of home	Require At Least 1000 Sq. Feet Require At Least 1200 Sq. Feet Require At Least 1500 Sq. Feet Require At Least 2000 Sq. Feet
	Minimum dwelling coverage	Require At Least $100,000 Dwelling Value Require At Least $150,000 Dwelling Value Require At Least $200,000 Dwelling Value
	Maximum dwelling coverage	Must NOT Have More Than $1,000,000 Dwelling Value Must NOT Have More Than $500,000 Dwelling Value Must NOT Have More Than $400,000 Dwelling Value Must NOT Have More Than $300,000 Dwelling Value Must NOT Have More Than $250,000 Dwelling Value Must NOT Have More Than $100,000 Dwelling Value
	Type of construction	Exclude Manufactured Homes
	No Chow, Doberman, German Shepherd, Pit Bull, Rottweiler	Exclude
	Roof type	Exclude Wood Roof
	Homeonwers Insurance Types to Exclude
	Exclude homeowners?	Exclude All Homeowners
	Exclude condo/townhome?	Exclude All Condo Owners
	Exclude landlord policies?	Exclude All Landlord Policies
	Exclude renters?	Exclude All Renters
	*Number of Claims*
	Maximum number of claims	Must Not Have More Than 3 Claims Must Not Have More Than 2 Claims Must Not Have More Than 1 Claims Require No Claims
	*Combination Insurance Types*
	Auto	Quote Must NOT Include Request For Auto Insurance Quote Must Also Include Request For Auto Insurance
	Health	Quote Must NOT Include Request For Health Insurance
	Life	Quote Must NOT Include Request For Life Insurance
Life Leads	General Filters	Quote Must NOT Include Request For Health Insurance
	Marital restrictions	Must Be Married Must Be Single
	Homeowner	Must Be A Homeowner Must NOT Be A Homeower
	Smoker restrictions	Must Be A Non-Smoker
	Customer email addresses	Require Email Address
	Primary insured's gender	Must Be Female Must Be Male
	Employer	At Least One Person Must Be Employed
	Current insurance requirements	Must Have Current Insurance Must NOT Have Current Insurance
	Age Restrictions
	Age of youngest person to insure	Must Be Age 18 Or Older Must Be Age 19 Or Older Must Be Age 21 Or Older Must Be Age 23 Or Older Must Be Age 25 Or Older Must Be Age 30 Or Older Must Be Age 35 Or Older Must Be Age 40 Or Older Must Be Age 45 Or Older Must Be Age 50 Or Older
	Youngest person's age if no children on policy	Require Age 18 Or Older When No Child Included Require Age 19 Or Older When No Child Included Require Age 21 Or Older When No Child Included Require Age 23 Or Older When No Child Included Require Age 25 Or Older When No Child Included Require Age 30 Or Older When No Child Included Require Age 35 Or Older When No Child Included Require Age 40 Or Older When No Child Included Require Age 45 Or Older When No Child Included Require Age 50 Or Older When No Child Included Require Age 55 Or Older When No Child Included
	Youngest child's age if on the policy	Require All Children Be Age 18 Or Older If Child On Policy Require All Children Be Age 19 Or Older If Child On Policy Require All Children Be Age 21 Or Older If Child On Policy Require All Children Be Age 22 Or Older If Child On Policy Require All Children Be Age 25 Or Older If Child On Policy Require All Children Be Age 30 Or Older If Child On Policy Require All Children Be Age 35 Or Older If Child On Policy Require All Children Be Age 40 Or Older If Child On Policy Require All Children Be Age 50 Or Older If Child On Policy Require All Children Be Age 55 Or Older If Child On Policy Require All Children Be Age 62 Or Older If Child On Policy Require All Children Be Age 64 Or Older If Child On Policy Require All Children Be Age 65 Or Older If Child On Policy Require All Children Be Age 60 Or Older If Child On Policy
	Youngest parent's age if children included	Require Parents Be Age 18 Or Older If Child On Policy Require Parents Be Age 19 Or Older If Child On Policy Require Parents Be Age 21 Or Older If Child On Policy Require Parents Be Age 22 Or Older If Child On Policy Require Parents Be Age 23 Or Older If Child On Policy Require Parents Be Age 25 Or Older If Child On Policy Require Parents Be Age 30 Or Older If Child On Policy Require Parents Be Age 35 Or Older If Child On Policy Require Parents Be Age 40 Or Older If Child On Policy Require Parents Be Age 45 Or Older If Child On Policy Require Parents Be Age 49 Or Older If Child On Policy Require Parents Be Age 50 Or Older If Child On Policy Require Parents Be Age 55 Or Older If Child On Policy Require Parents Be Age 60 Or Older If Child On Policy Require Parents Be Age 62 Or Older If Child On Policy Require Parents Be Age 64 Or Older If Child On Policy Require Parents Be Age 65 Or Older If Child On Policy Require Parents Be Age 85 Or Older If Child On Policy
	Age of oldest person to insure	Must Be Age 85 Or Younger Must Be Age 80 Or Younger Must Be Age 75 Or Younger Must Be Age 70 Or Younger Must Be Age 65 Or Younger Must Be Age 64 Or Younger Must Be Age 63 Or Younger Must Be Age 60 Or Younger Must Be Age 59 Or Younger Must Be Age 55 Or Younger Must Be Age 50 Or Younger Must Be Age 49 Or Younger Must Be Age 45 Or Younger Must Be Age 40 Or Younger
	Pre-Existing Health Conditions
	ALL pre-existing health conditions	Require Pre-Existing Health Conditions Require NO Pre-Existing Health Conditions
	MAJOR pre-existing health conditions (cancer, heart attack, AIDS, pregnancy, depression) or declined coverage	Must NOT Have Major Pre-Existing Health Condition
	Asthma	Must NOT Have Asthma
	Diabetes	Must NOT Have Diabetes
	High blood pressure	Must NOT Have High Blood Pressure
	Cancer	Must NOT Have Cancer
	Heart attack or stroke	Must NOT Have a Heart Attack or Stroke
	AIDS	Must NOT Have AIDS
	Other unlisted major illnesses	Must NOT Have Other Major Health Condition
	Depression	Must NOT have depression
	Maximum BMI	Must be 35 or less Must be 32 or less Must be 30 or less Must be 28 or less
	Life Insurance Filters
	Term life restrictions	Insurance Type Must NOT Be Term Insurance Require Life Insurance Type Must Be Term Insurance
	Minimum death benefit	Require At Least $100,000 Death Benefit Require At Least $150,000 Death Benefit Require At Least $200,000 Death Benefit Require At Least $250,000 Death Benefit
	Maximum death benefit	No More than $500,000 No More than $400,000 No More than $300,000 No More than $250,000 No More than $200,000 No More than $150,000 No More than $100,000 No More than $75,000 No More than $50,000
	Combination Insurance Types
	Auto	Quote Must NOT Include Request For Auto Insurance
	Home	Quote Must NOT Include Request For Home Insurance
	Health	Quote Must NOT Include Request For Health Insurance
Long Term Care Leads	*General Filters*
	Marital restrictions	Must Be Married Must Be Single
	Homeowner	Must Be A Homeowner
	Smoker restrictions	Must Be A Non-Smoker
	Customer email addresses	Require Email Address
	Primary insured's gender	Must Be Female Must Be Male
	Employer	At Least One Person Must Be Employed
	Minimum asset requirement	Require At Least 10,000 LTC Assets Require At Least 25,000 LTC Assets Require At Least 50,000 LTC Assets Require At Least 100,000 LTC Assets
	*Age Restrictions*
	Age of youngest person to insure	Must Be Age 45 Or Older Must Be Age 50 Or Older Must Be Age 55 Or Older
	Youngest person's age if no children on policy	Require Age 45 Or Older When No Child Included Require Age 50 Or Older When No Child Included Require Age 55 Or Older When No Child Included Require Age 60 Or Older When No Child Included
	Youngest child's age if on the policy	Require All Children Be Age 50 Or Older If Child On Policy Require All Children Be Age 55 Or Older If Child On Policy Require All Children Be Age 60 Or Older If Child On Policy Require All Children Be Age 62 Or Older If Child On Policy Require All Children Be Age 64 Or Older If Child On Policy Require All Children Be Age 65 Or Older If Child On Policy
	Youngest parent's age if children included	Require Parents Be Age 45 Or Older If Child On Policy Require Parents Be Age 49 Or Older If Child On Policy Require Parents Be Age 50 Or Older If Child On Policy Require Parents Be Age 55 Or Older If Child On Policy Require Parents Be Age 60 Or Older If Child On Policy Require Parents Be Age 62 Or Older If Child On Policy Require Parents Be Age 64 Or Older If Child On Policy Require Parents Be Age 65 Or Older If Child On Policy Require Parents Be Age 85 Or Older If Child On Policy
	Age of oldest person to insure	Must Be Age 85 Or Younger Must Be Age 80 Or Younger Must Be Age 75 Or Younger Must Be Age 70 Or Younger Must Be Age 65 Or Younger Must Be Age 64 Or Younger Must Be Age 63 Or Younger Must Be Age 60 Or Younger Must Be Age 59 Or Younger Must Be Age 55 Or Younger Must Be Age 50 Or Younger Must Be Age 49 Or Younger
	*Pre-Existing Health Conditions*
	ALL pre-existing health conditions	Require Pre-Existing Health Conditions
	MAJOR pre-existing health conditions (cancer, heart attack, AIDS, pregnancy, depression) or declined coverage	Must NOT Have Major Pre-Existing Health Condition
	Asthma	Must NOT Have Asthma
	Diabetes	Must NOT Have Diabetes
	High blood pressure	Must NOT Have High Blood Pressure
	Cancer	Must NOT Have Cancer
	Heart attack or stroke	Must NOT Have a Heart Attack or Stroke
	AIDS	Must NOT Have AIDS
	Other unlisted major illnesses	Must NOT Have Other Major Health Condition
	Denied health coverage in last 12 months?	Must NOT Have Been Denied
	Depression	Must NOT have depression
	Maximum BMI	Must be 35 or less Must be 32 or less Must be 30 or less Must be 28 or less
	*Combination Insurance Types*
	Auto	Quote Must NOT Include Request For Auto Insurance
	Home	Quote Must NOT Include Request For Home Insurance
	Life	Quote Must NOT Include Request For Life Insurance

Number of Agents Per Lead

We have found that InsureMe will sell an insurance lead at least 6 times, if not more. They don't specific state how many times the lead is sold, but they charge if you want the lead shared with 5 or less agents. They do this through their Preferred Lead Program which can be set for any lead. This option basically allows you to limit the competition each lead you receive will have.

On their site, InsureMe states that they sell their lead on average, 3 ½ times.

Lead Sharing Partnerships

Lead companies usually market to a large geographic area - usually the entire United States. If they don't have enough (or any) agents to sell their leads to in a certain area, they will many times form a partnership with other lead companies to sell this excess inventory.

The benefit to the lead company is that they can continue to profitably run their business in that area so when a new agent comes in, they can start sending those leads to them. However, this can hurt overall lead quality as sometimes they may sell a lead to multiple agents within their network, share the lead with another lead company, and then that lead company sells the lead to multiple agents.

This results in 10 - 20 agents calling the same lead, seriously frustrating them and making it nearly impossible for many of the agents to even have a chance of selling the lead.

From our research, it looks like there is a very high probability that InsureMe has a Lead Sharing Partnership with NetQuote and possibly other lead companies.

Lead Delivery

InsureMe delivers leads by email to agents in real time after the lead has been completed. They also have the ability to deliver your leads to other lead management systems.

Refunds

InsureMe states on their site that they will refund money for any bad lead an agent receives. This usually includes fake information or inaccurate matching.

Our research has shown that there are a number of complaints that the refund policy offers very little flexibility, but there was no information on how that actually compares to other lead companies.

Billing

To start generating your leads, you need to add a credit card and make an initial deposit. Their minimum deposit is $100 and is as large as $2,000. Each time your balance is 75% spent, they will charge your card for the amount of your initial deposit unless you increase your limit.

InsureMe also offers the ability ot apply for a Line of Credit.

Sample Leads

Summary

InsureMe has technologically advanced geographic, lead and consumer filters compared to many other companies. They offer a personal account rep and additional resources to help make sure that you're successful in converting the leads you receive. At the same time, they sell their lead 6+ times and with their partners, the lead could end up in the email boxes of 10-20 different agents.

InsureMe does give new customers 10 free leads which allows you to test the water without any risk. Testing is always the key to success so there is no reason not to give them a try.