Are IUL Leads Worth It in 2025? What the Top Agents Are Doing Right Now
The insurance world is shifting fast, and Indexed Universal Life (IUL) is hotter than ever in 2025. But as IUL policies grow in popularity, so does the competition among agents trying to sell them. Many are dumping thousands into overpriced leads that barely convert. Others are quietly crushing it with a different strategy: aged IUL leads.
So, are aged IUL leads actually worth it? Let’s dig in.
Why IUL Is Trending in 2025
With rising interest rates and increased consumer awareness around tax-free retirement planning, IUL has become a go-to product for many agents. Consumers love the idea of:
- Cash value growth with downside protection
- Access to tax-free income later in life
- Flexible premium payments
Google search data shows a steady rise in terms like “life insurance with cash value,” “tax-free retirement,” and “IUL policy benefits.”
But while the demand is real, getting in front of the right prospects without draining your wallet is the hard part.
What Makes IUL Leads Unique (and a Little Tougher)
Unlike final expense or term life, IUL is a higher-ticket product with a longer sales cycle. The sales process is more educational. These buyers often take weeks or even months to commit.
That’s why agents who expect instant results from fresh IUL leads often get frustrated. But here’s the thing: aged IUL leads can be just as effective — if you know how to work them.
The Rise of Aged IUL Leads
Top-performing agents are starting to see aged leads not as cold prospects, but as underworked opportunities. Many of these leads:
- Requested info weeks or months ago
- Never got a follow-up
- Didn’t click with the first agent who contacted them
And now they’re just sitting in a database, waiting for someone to follow up with a better pitch.
At $2 to $5 a lead, aged IUL data gives agents volume, scalability, and a better ROI than burning through $50 fresh leads with no system.
What the Top Agents Are Doing Right Now
Here’s how the best in the business are turning aged IUL leads into apps:
- Voicemail drops with a quick reminder: “You requested info on a tax-free retirement option a while back…”
- Texting a short video that explains IUL in under 60 seconds
- Offering free illustrations as a re-engagement tool
- Calling in the evenings or weekends when people are actually home
- Using email + SMS drip sequences to stay top-of-mind
They don’t treat these leads like junk. They treat them like gold.
How to Work Aged IUL Leads Like a Pro
Here’s the framework many agents follow:
- Day 1: Call, leave a voicemail, send a personalized text
- Day 2: Follow up with a quick email and another SMS
- Day 3+: Drop a voicemail and resend the IUL video
Position yourself as a resource, not a closer. Educate first. Sell later.
Final Thoughts: Are They Worth It?
Yes — aged IUL leads are absolutely worth it in 2025 if you approach them the right way. These are buyers, not browsers. They were curious enough to raise their hand. Now it’s your turn to re-open that conversation and guide them toward a decision.
With the right system, aged leads can turn into weekly appointments and long-term clients without breaking your marketing budget.
Get a Free Sample of Aged IUL Leads Want to test a few before you buy? Grab 5 aged IUL leads on the house. No strings attached. [Click here to request yours.]
Comparison Chart: Fresh vs. Aged IUL Leads
| Lead Type | Avg Cost | Avg Close Rate | Upside | Downside |
|---|---|---|---|---|
| Fresh IUL Leads | $35–$70 | 5–10% | Warm buyers | Expensive, high competition |
| Aged IUL Leads | $2–$5 | 2–5% | Affordable, scalable | Requires nurturing |
| Final Expense | $1–4 | 10–15% | Quick close | Lower premiums |
FAQs
How old are your IUL leads?
Most are between 30 and 120 days old. These people actively requested info during that window.
Are they exclusive?
No. Like all aged leads, they may have been contacted before, but most were never worked properly.
Do I get full contact info?
Yes — name, phone, email, state, and timestamp. See sample IUL leads here
Can I get leads by state or ZIP code?
Absolutely. Let us know where you’re licensed, and we’ll match you accordingly.
