Life insurance
Warm transfers for licensed closers.
- Term, FEX, IUL, and related products
- Approved script & disclosures
- Qualified warm transfer to your closers
Guardian Live Transfers connects qualified prospects to your licensed agents through compliant, high-intent live transfers—built for Life And Health Insurance buyers and performance-focused campaigns.
Warm
Live handoffs
Insurance
Specialized
24/7
Campaign coverage
Buyer-ready transfers
TCPA-aware workflows, approved scripts, QA on every campaign, and transparent reporting your compliance team can trust.
Compliant
Live Transfers
Guardian Live Transfers provides fast, compliant live transfer services for the insurance industry—capturing, verifying, and routing qualified prospects to your specialists with full context.
Learn more about our process or contact us to discuss your campaign.
Warm
Handoffs
Insurance
Specialized
QA
Every campaign
”Bad transfers waste ad spend. We deliver qualified, compliant warm handoffs so your closers spend time selling—not re-qualifying.
We offer live transfer services for life insurance (term, FEX, IUL, etc.), mortgage protection and Medicare. Other forms of insurance can be offered on a custom basis.
Warm transfers for licensed closers.
Qualified prospects seeking coverage.
Medicare and ACA campaigns where compliant.
Your campaign, your script, your KPIs.
Once the information is confirmed, the fronting team transfers the call to our verification team. The verification team confirms additional details to ensure accuracy and eligibility:
If all details are accurate and the required disclosures are read and acknowledged, the call is transferred to the appropriate company or agent for next steps.
Ready to get started? Contact us to discuss your campaign requirements.
Compliance-first operations built for buyers who need volume, quality, and audit-ready reporting.
TCPA-aware dialing, approved scripts, DNC handling, and secure lead data management for regulated campaigns.
Life insurance, mortgage protection, and Medicare campaigns—prospects verified and live-transferred to your licensed agents with full context.
Agents coached on your script, vertical, and transfer criteria—so every handoff is warm and buyer-ready.
Guardian Live Transfers improved our FEX connect rate and gave us recordings we could actually use for compliance review.
Jonathan R. Agency Principal, Final Expense
Scaled dedicated transfer agents for a holiday push without dropping QA standards.
Sarah M. Buyer Operations
Warm handoffs with proper introductions—our closers hear qualified intent, not cold confusion.
David K. Licensed Closer / Buyer
We offer live transfer services for life insurance (term, FEX, IUL, etc.), mortgage protection and Medicare. Other forms of insurance can be offered on a custom basis.
Although the leads are transferred to you through our double verification process, a member of quality control will stay with you on the call for the first 120 seconds so you can personally determine if the lead meets your specifications. If you do not stay on the call at least 120 seconds, you will not be charged. At the 120 second mark, all personal details of the customer (ex: full name, date of birth, phone, email, mailing address) will be emailed to you. Any attempt to collect personal contact details during the first 120 seconds will result in a charge, even if you hang up within the 120 seconds.
If longer than 120 seconds is a requirement for your organization, it may be offered on a custom basis.
Prospects are directed to a landing page where they request more information through expert Google Ad campaigns. Prospects must submit their details where they agree to be contacted.
We currently market to the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MS, MO, MT, NE, NH, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV as well as the District of Columbia.
However, if there are additional states not listed, you may request them. There may be a minimum number of states your organization is required to be licensed in depending on the requested number of live transfers.
Typically prospects are called back within 1–2 business days of the request for information, but in cases of high volume, up to 5 business days.
All prospects must fill out a website contact form and check a box for TCPA compliance. The Jornaya LeadID token may be requested in cases where the lead source has come into question by carriers or other authorities. Please allow up to 5 business days for us to send the requisite information to your company, although we will make every effort to get you the information as quickly as possible.
All phone numbers are filtered through The Black List Alliance in order to adhere to all TCPA and DNC compliance requirements.
Yes. We can do this at no extra charge. Simply let a member of our sales team know about your requirements at +1 (509) 300-4547 and we will get that taken care of for you.
We operate Monday – Saturday* between 7 AM PST to 5 PM PST on 4 shifts:
*Some Saturdays may not be available as well as some weekdays due to holidays. Occasionally, some days/shifts of usual operation will become unavailable without advance notice due to technical or other difficulties.
Although we strive to meet your exact requirements on a daily basis, lead flow will be higher some days and lower on other days as is the nature of advertising.
We’ll send an invoice for the amount of qualified leads received based on the pay period you specify. Payment is due within three business days from the time the invoice is sent.
Share your vertical, volume goals, and buyer routing—we will respond within 24 hours with next steps.
Pick a time on our calendar to discuss volume, vertical, and campaign setup.