Path 1 · DIY
Install the system yourself
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
Life insurance is a trust sale with a 45-90 day cycle. Someone searches 'how much life insurance do I need' after a life event — new baby, new mortgage, health scare. They click your ad, read your content, maybe fill out a form. Then they think about it for weeks. Then they apply. Then medical underwriting takes 30-45 days. Google gave up on that click 80 days ago. You need a system that tracks the full journey and teaches the algorithm what a real policy looks like.
Pick how you want to fix the signal layer
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
$20-50
Term life keywords lower; whole life and estate planning higher
$40-120
Wide range depending on intent level of keywords
5-12%
From first click to policy issued; top agents hit 15%+
$800-2,500
Term life lower; whole life and universal significantly higher
Google's algorithm needs conversion signals within 7-14 days to optimize your campaigns. Your sales cycle runs 45-90 days: initial inquiry → needs analysis → application → medical underwriting → policy issued. By the time a lead becomes a client, Google has already reallocated your budget to whatever generated the fastest form fills.
Policygenius, Ladder, and Haven Life give instant term quotes online. Your process requires a conversation, a needs analysis, and a paper application. Your advice is genuinely better — you can place someone with the right carrier based on their health history. But your landing page just says 'Call for a Free Quote' while competitors show rates in 30 seconds.
People searching 'how much life insurance do I need' or 'term vs whole life' aren't ready to buy today. But they WILL buy in 2-6 months. The problem is your ads treat every click as a direct-response lead. You need an education-first funnel for researchers and a conversion funnel for people ready to apply.
Your best clients came from CPAs, estate attorneys, and happy clients. Those leads close at 60%+. Google Ads leads close at 8-12%. The economics only work if you track through to issued policies AND cross-sell (disability, umbrella, annuities) — but you have no attribution system connecting ads to issued business.
“My best life insurance lead clicked the ad, filled out a form, then ghosted for 6 weeks. Then texted me out of nowhere and bought a $2M policy. Google had already reassigned that budget to worse leads.”Reddit r/InsuranceAgent
“Policygenius gives instant quotes online. Clients ask why they should use me instead. I don't have a good answer on my landing page — just 'call us for a free quote.'”Reddit r/Insurance
“I spend $2,500/mo on life insurance Google Ads. I get leads but I genuinely cannot tell you which ad produced actual issued policies. My CRM isn't connected to anything.”Reddit r/PPC
These are representative outcome patterns we've seen from operators implementing these systems. Details are anonymized; numbers are realistic for the vertical.
Operator profile
Starting point
Cost per issued policy: $600+ (estimated — no tracking). Lead-to-application rate: 8-10% (cold form fills).
What changed
Extended conversion-tracking window to 90 days for the long sales cycle, rebuilt campaigns around medical-underwriting vs term-instant intent, and added retargeting at the application stage.
Outcome
Cost per issued policy → $300-450 with full-funnel attribution. Lead-to-application rate → 18-25% with education-first funnel.
Each product builds on the previous one. Start where you are, progress at your own pace.
Every system on this page is what we install for our own clients. If you'd rather have us run it with you — or for you — these are the paths.
Aggregators win on speed. You win on fit — placing someone with a preferred carrier based on their health history instead of sending them wherever an algorithm points. Build campaigns that educate researchers, capture ready buyers, and track every click through to issued policy so the algorithm learns what a real client looks like.
Or book a free 15-min audit if you're not sure which path fits.
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hello@tegra.co60-min strategy session — closed-deal attribution, regulated-keyword strategy, aggregator-beating funnels, and compliance review. For operators hitting a CPA ceiling or navigating a regulatory shift.
Full ad ops for regulated lead-gen — Google + Meta + dialer + CRM + compliance pages. For $10K+/mo operators in insurance, mortgage, solar, Medicare, debt relief, or nonprofit lead gen.
Operator profile
Starting point
Generic 'burial insurance' keywords at $32 CPC, lead-to-issued stuck at 4%, and zero visibility into which ads produced policies that stuck past free-look period.
What changed
Built an age-tiered Search structure with needs-calculator landing pages, fed 60-day persistency data back via the Measurement system, and retargeted unconverted quote requests with simplified-issue product messaging.
Outcome
Lead-to-issued rate lifted to 11%, cost-per-issued policy dropped from $580 to $260, and 30-day persistency improved to 91%.
Operator profile
Starting point
$50 CPC on 'estate planning life insurance,' 0.8% lead-to-issued on $3K/mo spend, and no way to distinguish researchers from ready buyers.
What changed
Deployed the AI Agentic System for intent-signal weighting, split campaigns into education (needs calculators) and action (licensed-advisor consult), and installed offline conversion imports from the CRM at issue + first premium.
Outcome
Issued-policy attribution surfaced 6 policies the prior month that Google had discarded, average first-year commission per lead rose from $380 to $1,240, and CPL on action-intent keywords held at $78.
Our head product. AI agents run your full Google Ads stack autonomously — campaign creation, bid strategy, feed optimization, budget shifts. For operators ready to scale past headcount limits.
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