The label is marketing first, and it tells you little about risk. Of the two products with distinct risk profiles, one isn't worth the liability, and a single calculation shows whether any source earns its price.
Both get sold under the word exclusive. Both deserve a different verdict. An aged lead is a form submission collected at some point in the past, then sold once its trail has gone cold. A live transfer is a phone call connected to an agent in real time. The word exclusive tells you neither was resold to a competitor. It tells you nothing about where the contact came from or whether calling it is still legal.
LGG's position, on every insurance line, is not to touch aged leads. They most likely carry unresolved TCPA liability, because the original consent, if it existed at all, was rarely scoped to the buyer eventually calling on it weeks or months later.
Acceptable only when the call originates from the consumer, someone who dialed in on their own. A transfer manufactured by outbound dialing of a purchased list carries the same consent exposure as an aged lead, just delivered faster and warmer.
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Request a Discovery Call →It is easy to buy either product. The question that matters is who holds the liability when a consent record does not hold up. Companies get sued over this more often than most brokerages plan for, and it is why LGG does not work with companies that do not have their legal compliance in order, on either side of a relationship. Generate leads by the book, work leads in your system by the book, fully compliant, start to finish.
Prior express written consent is still required for marketing calls and texts under the TCPA. The FCC's one-to-one consent rule, adopted in December 2023, was vacated by the Eleventh Circuit in January 2025, and the FCC confirmed in April 2025 it would not challenge that ruling. The requirement reverted to consent obtained per seller rather than disappearing, and an aged lead's consent trail is exactly the kind of thing that does not survive scrutiny under either standard.
The same methodology behind LGG's published health insurance case study extends across every line: bid on the projected lifetime value of the product sold against the ad spend required to acquire the customer. That single ratio is what should decide whether any lead source, vendor or owned campaign, is worth its price. A cheap lead with a low bind rate and short retention can cost more per dollar of lifetime value than an expensive one that converts and stays on the books.
For multi-policy households, home and auto or auto and life, push the sale as one order with multiple line items, each normalized to its own projected lifetime value before the ratio is calculated. Treating a bundle as two unrelated leads understates what the household is actually worth.
LGG works with brokerages building their own machine at $100,000 or more per month. $500 per day is the absolute floor, below which an account cannot accumulate enough bound-policy data for the value curve to stabilize. Below that floor, a vetted exclusive-lead vendor, never an aged-lead vendor, is the more honest interim answer.
Above it, an owned account removes the exclusivity question entirely: every lead is exclusive by construction, because it came from your own ad, and every bound policy teaches the algorithm what your book is actually worth.
Bound-policy bidding on auto insurance → · The same architecture for home insurance → · Insurance lead generation across every line →
They can be, depending on the consent record, but the record is usually the weak point. LGG's position is not to touch aged leads on any line, because the original consent was rarely scoped to the buyer eventually calling on it, which is exactly the exposure the TCPA is built to catch.
Only when the transfer originates from an inbound call the consumer placed. A live transfer built from outbound dialing of a purchased list is functionally an aged lead with a faster delivery mechanism, and carries the same consent exposure.
The one-to-one rule itself was vacated by the Eleventh Circuit in January 2025, and the FCC declined to appeal in April 2025. Prior express written consent is still required for marketing calls and texts; the requirement reverted to a per-seller standard rather than disappearing.
Against the projected lifetime value of the policy it produces, divided by the ad spend or lead cost required to acquire it, never against a flat cost-per-lead number. A cheap lead with a low bind rate can cost more per dollar of lifetime value than an expensive one that converts and retains.
LGG works with brokerages spending $100,000 or more per month, and $500 per day is the absolute floor for an owned program to accumulate enough bound-policy data.
TCPA consent status: FCC one-to-one consent order, vacated by the Eleventh Circuit in January 2025. Platform mechanics: Google Ads Help, About Target ROAS bidding. Operator guidance on aged leads, live transfers, and spend thresholds is from LGG Media's active insurance accounts and is labeled as such. Legal questions on lead consent belong with your own counsel; this page is not legal advice.
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