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1 - Frequently Asked Questions
What we do and how we do it
Understanding our terms
We have presented our terms as questions and answers to help keep them as clear and simple as possible. We strongly encourage you to read this page (it'll take you just 2 or 3 minutes) as it will give you a full understanding of what we can achieve for you and exactly how we go about it.
Q: Can anyone buy your life insurance leads?
A: We only accept orders from FSA registered individuals or firms (directly regulated or appointed representatives) who can service leads nationally, are able to contact leads within one hour of receipt and can service a continuous flow of at least 50 leads per week. A rapidly increasing number of brokers never visit their clients. They sell nationally using email, over the phone and by post.
Resellers acting on behalf of FSA regulated companies are also welcome to apply. Please note that leads will only be sent to the regulated brokers. However, lead volume statistics that do not identify individual prospects will be sent to resellers on request.
Q: Why are qualitative Internet leads so profitable?
A: We engage with potential life insurance clients at precisely the right moment. They're actively searching for your service on the web so are therefore highly likely to be interested in what your company offers.
Q: What is your replacement policy?
A: You keep receiving free replacement life insurance leads until the guaranteed criteria is fulfilled to perfection.
Q: How old are your life insurance leads?
A: We aim to send you all of your leads in real time (admin and internet glitches aside!), so therefore 99.9% of the time you'll receive immediate delivery of your leads - the moment your prospect pushes the submit button. In the extremely rare cases where our 'double-check' system spots that you haven't received a lead automatically, the lead will be forwarded manually, most likely within minutes of the form being completed.
Q: Are there hidden extras to pay for?
A: There are no hidden extras, no joining fees and no VAT (our service is exempt). You are in control of your own budget and control your own costs and there is no minimum time commitment. There is no auction/bidding system; each batch is a fixed price. There are no tie-ins and the agreement can be ended by either party after the current batch has been fulfilled.
Q: How long will it take to receive all my life insurance leads?
A: For a brand new customer, during the first month while we are establishing the advertising campaigns (often running into dozens of campaigns), we aim to supply the first batch of 50 leads within 30 days. If necessary, you will receive free extra leads until the guaranteed criteria is fulfilled to perfection within 30 days. In the extremely unlikely event that you don't receive all of your leads within 30 days, we will refund your balance on request.
Following this "trial" period, we can then supply you up to 300 leads per month. Just let us know how many you require. Lead flow will continue automatically after each batch is fulfilled unless we are given 48 hours notice to stop lead flow.
Q: How do I request a refund or make a complaint?
A: We hope you'll never have cause to complain about our service to you. However, if you wish to register a complaint, simply email us or contact us using the form below with your refund request or complaint within 5 working days of the issue arising. We aim to resolve all issues within 5 working days. Remember, if necessary, you will receive free extra leads until the guaranteed criteria is fulfilled to perfection. This means that you may receive more than 50 leads at no extra cost. This alleviates the need to ask for refunds on individual leads.
Q: Where do you get your life insurance leads from?
A: Our marketing has a huge reach of over 90% of the UK's Internet population. We do not use ANY intrusive types of marketing, all our leads are generated by non-invasive, passive marketing - your leads will be sourced only from people who are actively searching the Internet for life insurance cover, i.e. they seek contact from you, not the other way around.
They will include prospects from all over the UK. 100% of our leads are generated from sites owned by us. We never buy leads from other companies. Unlike many financial lead generators, we do not use affiliates, call centres, lifestyle questionnaires, send unsolicited emails or outsource our services. You will see EXACTLY where your leads are coming from.
Q: Can I buy less than 50 leads at a time?
A: Lead generation is a numbers game; the same as all types of marketing. For example, if you bought five leads and failed to convert one, you might be tempted to blame this on the leads, when, in reality, the blame would lie with the small sample of leads (opportunities) open to you. We therefore set a minimum volume of 50 leads, as this increases the likelihood that you'll achieve a level of conversion rates that guarantee that you'll return to buy more leads. Attracting an excellent and steady return on investment is a goal more easily achieved with higher numbers.
Q: Can I do a deal with you to reduce the price per lead?
A: Sorry, no. Please remember when buying leads that it isn't so much the cost per lead that is important, but the cost per life insurance client acquisition. This is of course tied into the conversion rate.
Additionally, opposite to the offline world, if you were to require an unusually high amount of leads, our internet advertising costs per unit increases as our reach rises, conversely putting pressure on the price per lead to increase.
Q: Are your life insurance leads exclusive?
A: Yes, all of our leads are exclusive and come directly only to you through your borrowed site. Some lead providers display your competitors' ads on the page your prospect sees after they submit their enquiry, therefore ensuring that you have an uphill struggle converting your leads. We strongly believe that this type of activity leads to severe dilution of lead quality.
You will have the opportunity to retain your exclusive customer for life... and don't forget to ask your leads for referrals from their families, friends and colleagues - the results should pleasantly surprise you!
Q: Do you qualify your leads?
A: All of our life insurance leads are from prospects who are actively searching for life insurance help. This means that the prospect has approached us and specified their requirements, requesting that a broker contact them. They are looking for you, not the other way round. They are therefore self-qualified. All visitors will either be expecting contact through a telephone call or an email from you.
Q: Can you provide postcode specific life insurance leads.
A: We only supply leads to companies that accept nationwide coverage. A rapidly increasing number of brokers never visit their prospects. Thanks to the Internet, they do everything using email, over the phone and by post.
Q: How do I receive my leads?
A: When an application is submitted to one of our life insurance websites, which has been branded with your details, it is allocated to you directly by email. A confirmation of submission is sent to the enquirer which includes your company and contact details.
Q: What questions are asked on the life insurance website?
A: We ask the following questions:
Title
Name
Preferred contact phone number
Alternative contact phone number
Email Address
Joint Policy Required?
Approximate Amount of Life Insurance Required?
Critical Illness Information Required?
Questions, Comments or Feedback
Please note that this relatively short enquiry model is well tested and firmly built into our pricing structure. Keeping the form short will guarantee a higher percentage of submissions therefore contributing to a lower price per lead.
Q: Do you use comparison tables on your websites?
A: No, comparison sites have been heavily criticised in the media and by the FSA for their lack of independence and incomplete information. Consumers often do not realise they are not getting the complete picture.
Some such sites use 'screen-scraping' technology that retrieves and transfers information from other programmes.
According to Wikipedia, "Screen scraping is generally considered an ad-hoc, inelegant technique, often used only as a "last resort" when no other mechanism is available. Humans can cope with this easily, but computer programs will often crash or produce incorrect results."
Q: What are your disclaimers?
A: In order to use this service you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the UK Life Leads website harmless from all alleged or actual damages, claims and expenses relating to any warrant or representations made. This also includes, without limitation, lawyers' fees.
We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it. Neither UK Life Leads nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the service or site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.
The UK Life Leads service is provided on an "as is" and "as available" basis. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use UK Life Leads service.
Q: What is the country of governing law?
A: The contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and UK Life Leads irrevocably submit to the non-exclusive jurisdiction of the English Courts. The UK Life Leads website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.
Q: How do you improve user experience on the prospect website?
A: We will occasionally contact prospects for feedback on their experience with the website and related processes with the aim of improving conversion rates.
Q: How can I pay?
A: Payment is by bank electronic transfer or cheque. We will supply further details by email.
We reserve the right to change our policies and terms at any time. Any such changes will be posted on this page. Price and availability information is subject to change, but not during a current batch.