Guardian Live Transfers provides fast, compliant live transfer services tailored for the insurance industry. We streamline how consumer leads from your marketing channels are captured, verified, and routed to the right insurance specialists, ensuring you engage qualified prospects quickly and accurately.
Our fronting team verifies core details while our verification team securely confirms additional data relevant to insurance eligibility, such as income sources and applicable benefits (e.g., disability, retirement, or veterans benefits), banking information (traditional banks or credit unions) if needed for premium financing or direct billing, and pertinent medical or lifestyle information.
We ensure all disclosures are read and acknowledged in compliance with industry regulations, then transfer the lead with full context to the appropriate agent or team for rapid follow-up. Our approach emphasizes privacy and data security, helping you improve lead quality, reduce time-to-contact, and increase conversion.
What type of insurance do you provide live transfers for?
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.
How long is the buffer time?
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.
Where do your leads come from?
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.
What states are the leads coming from?
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.
How fresh are the leads?
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.
Is the lead collection and contact process compliant?
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.
Do you allow custom verification questions/criteria before a prospect is transferred?
Yes. We can do this at no extra charge. Simply let a member of our sales team know about your requirements at (509) 300-4547 and we will get that taken care of for you.
What is your availability for sending transfers?
We operate Monday - Saturday* between 7 AM PST to 5 PM PST on 4 shifts:
Shift 1: 7 AM to 9 AM (2 hrs)
Shift 2: 9:15 AM to 11 AM (1 hr 45 min)
Shift 3: 12 PM to 2:45 PM (2 hrs 45 min)
Shift 4: 3 PM to 5 PM (2 hrs)
*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.
Will I get the exact amount of leads per day that I specify when I sign up?
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.
How and when will I pay?
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.