What the Top 1% of Insurance Agents Are Doing Right Now to Prepare for Rate Changes in 2025
Spoiler alert: They’re not sitting around waiting for things to “pick up.”
The best agents—the top 1%—are already executing on a plan to win in 2025. While others are winding down Q4, they’re doubling down on smart strategies, setting up pipelines, and locking in their competitive edge.
If you want to get ahead instead of catching up, keep reading. These are the moves the top agents are making right now—and how you can do the same.
🔁 1. They’re Working Leads, Not Just Buying More
Too many agents think more leads = more sales. But the pros know: it’s the follow-up that separates the closers from the tire-kickers.
Top producers are:
- Buying aged leads in bulk to stretch their budget
- Setting up simple CRM workflows (email, SMS, voicemail drops)
- Using “revival scripts” to re-engage old prospects
💬 “Hey [First Name], just wanted to make sure you still had the right info about [Product]. Rates are changing in 2025—want me to send over the update?”
These agents aren’t chasing fresh, overpriced leads—they’re making old leads profitable.
📊 2. They’re Adjusting Messaging Based on Rate Shifts
Whether it’s life, health, Medicare, or final expense, 2025 will bring rate adjustments across the board. Top agents aren’t blindsided—they’re:
- Studying state-specific rate forecasts
- Tuning their pitch to reflect urgency
- Testing new call scripts before Q1 hits
Example:
Instead of “Can I get you a quote?”
Try: “Most people don’t realize their rates are changing in January—want to see how that affects you?”
It’s about being timely, not salesy.
📅 3. They’re Building a 90-Day Lead Pipeline Now
Think January is a good time to start fresh? Wrong.
Top agents start now so they can hit the ground running on January 1.
Their moves:
- Buying a bulk list of aged leads
- Segmenting by product or geography
- Scheduling outreach campaigns through December
They know every dial, every text, every email in Q4 plants seeds for Q1 sales.
You don’t need magic. You need momentum.
🆚 Fresh vs. Aged Leads: What’s Actually Better?
Here’s a quick comparison:
| Feature | Fresh Leads | Aged Leads (Badass Style) |
|---|---|---|
| Cost per lead | $15–$50 | $0.25–$2 |
| Competition | High | Low to medium |
| Conversion rate | 1–3% | 1–2% (with nurturing) |
| ROI potential | Risky without strong follow-up | Higher margin per sale |
| Compliance risk | Moderate (depending on source) | Low when scrubbed properly |
| Best use case | Experienced closers with dialers | Agents with time to nurture + close |
❓FAQs
Q: Can I still get results from leads that are 6–12 months old?
Absolutely. Many buyers don’t convert right away—especially in insurance. People’s needs change, and aged leads give you another shot without the high cost.
Q: How many aged leads should I buy to start?
We recommend starting with at least 500–1,000 if you’re serious. This gives you enough volume to test different outreach methods and build a real pipeline.
Q: Are your leads TCPA compliant?
Yes. We scrub all our aged data to ensure it meets today’s compliance standards. If you’re unsure how to follow up legally, we’ll guide you.
🎯 Ready to Think Like a Top 1% Agent?
The ones winning in 2025 aren’t waiting around for “hot” leads.
They’re working smarter, not just harder—and they’re getting ahead right now.
👉 Get access to high-quality aged insurance leads starting at just $0.25 per lead.
Let us show you how to work them the right way.
Click here to See our LEAD PACKAGES
