Consumer-Initiated · Final Expense, Auto Insurance & ACA Calls

LIVE CALLERS. ZERO CHASING.

Final Expense, Auto Insurance and ACA prospects watch our commercials on Netflix, Hulu, YouTube and other streaming TV — then pick up their phone and dial in. Not social media calls. Not misdials. We route the live caller straight to you, exclusively — whenever you're marked Available.

HOW A CALL HAPPENS · WATCH LIVE INBOUND
▶ THEY WATCHED → THEY DIALED → YOU ANSWER 24 SEC · UNMUTE FOR SOUND
SEEN ON
+ MORE STREAMING TV
01
CONSUMER-INITIATED
They watched the TV ad and dialed in themselves
02
EXCLUSIVE ROUTING
Your call — never resold or shared
03
STATE TARGETING
Only the states you're licensed in
04
BROWSER SOFTPHONE
Calls ring right in your browser — no phone setup
05
AVAILABLE TOGGLE
Calls route only while you're marked Available
06
AGENT CALL PORTAL
Hit Available — every call logged with caller ID
Where The Calls Come From

THEY WATCHED.
THEY DIALED.

What These Calls Are

CONSUMER-INITIATED.
OFF TV.

A viewer sees our Final Expense, Auto Insurance or ACA commercial on a streaming network or YouTube, picks up their own phone, and dials the number on screen. High intent — nobody prompted them, nobody clicked for them.

  • [✓]Watched a Final Expense, Auto Insurance or ACA spot
  • [✓]Picked up their phone and dialed in
  • [✓]Routed to you live, exclusively
NETFLIX HULU YOUTUBE DISNEY+ + MORE STREAMING TV
What They Are Not

NOT SOCIAL.
NOT MISDIALS.

These are not social media click-to-call leads, misdials, or cold-list calls. Every caller chose to pick up the phone after watching the ad.

  • [✗]Social media click-to-call traffic
  • [✗]Misdials or wrong numbers
  • [✗]Data lists, robocalls, or cold outreach
What We Sell · Product Lines

FINAL EXPENSE,
AUTO INSURANCE & ACA
LEADS

The Pipeline

HOW INBOUND
CALLS WORK

01
WE AIR THE SPOTS
Our Final Expense and Auto Insurance commercials run nationwide on Netflix, Hulu, YouTube, and other streaming TV networks. Our ACA commercials run on YouTube.
02
THEY DIAL IN
A viewer watches the ad, picks up their phone, and calls the number on screen. Consumer-initiated — not a social click, not a misdial.
03
WE ROUTE LIVE
The caller is matched to you by state — and only while you're marked Available — then rings in your browser in real time, all inside the platform.
04
YOU ANSWER. IT COUNTS.
Each call routed to you while you're Available counts toward your pack. Be ready — these are live prospects on the line.
A FEW BASIC QUESTIONS AT SIGNUP: [✓]States you cover [✓]Calls ring in your browser — no phone setup [→]Then log in and hit Available — calls are handled in the platform
The Agent Experience

HIT AVAILABLE.
TAKE THE CALL.

This is the portal you'll work from. Flip your status to Available and live callers route straight to you — no phone setup, it's all in the platform. Every call is logged with caller ID, status, and duration.

VIEW CALL PACKS →
  • [✓]One toggle: Available / Unavailable
  • [✓]Live call log with caller ID
  • [✓]Buy more packs without leaving the portal
Auto-Renew Call Packs

INBOUND
CALL PACKS

CHOOSE YOUR PRODUCT LINE ↓

PACKS ARE SOLD PER PRODUCT LINE — A PACK IN ONE LINE DOES NOT INCLUDE CALLS FROM ANOTHER.

STARTER
20-PACK
20 connected calls · Final Expense
$1,300
$65.00 / connected call

  • [✓]20 consumer-initiated TV calls
  • [✓]Not social media · not misdials
  • [✓]Exclusive — never resold
  • [✓]Live inbound, answered in-platform
  • [✓]Caller ID delivered
  • [✓]State targeting
  • [✓]Browser softphone — no phone setup
  • [✓]Available / Unavailable toggle
  • [✓]Agent call portal + call log
GET 20 CALLS →
AUTO-RENEWS WHEN YOUR CALLS RUN OUT · TURN OFF ANYTIME
SCALE
100-PACK
100 connected calls · Final Expense
$6,500
$65.00 / connected call

  • [✓]100 consumer-initiated TV calls
  • [✓]Not social media · not misdials
  • [✓]Exclusive — never resold
  • [✓]Live inbound, answered in-platform
  • [✓]Caller ID delivered
  • [✓]State targeting
  • [✓]Browser softphone — no phone setup
  • [✓]Available / Unavailable toggle
  • [✓]Agent call portal + call log
GET 100 CALLS →
AUTO-RENEWS WHEN YOUR CALLS RUN OUT · TURN OFF ANYTIME
NOTE: If you need larger call packs (i.e. 250, 500, 1000+, etc.) please contact us.
TRANSPARENT PRICING · FAIR BILLING NOT SURE? RUN YOUR NUMBERS →
  • [✓]Exact per-call prices published — no “starting at,” no sales call to get a number
  • [✓]10-second buffer disclosed up front — calls under 10 seconds aren't billed
  • [✓]Dead air & instant hangups credited back after AI + human review

Example — Final Expense CTV Live Inbound Calls

  • Closing %
    Typically ranges from 50%–65% for top performing closers and down to 15%–20% for below average closers.
  • Cost Per Acquisition
    Typically ranges from $85–$100 CPA for top performing closers and $200–$300 CPA for below average closers.
  • Average Annual Policy
    Typically ranges from $1,100–$1,200 for top performing closers and down to $600–$800 for below average closers.
  • Insurance Policy Chargebacks %
    Typically ranges from 7%–10% for top performing closers and 14%–18% for below average closers.

** Past performances are not always indicative of future performance. Projected estimates based on performance signals and industry benchmarks. Actual results will vary by agent skill, session consistency, call handling, various events and miscellaneous agent factors.

Run Your Numbers · Final Expense

SEE WHAT INBOUND CALLS
CAN EARN.

Final Expense numbers below
— edit any field to match yours:
10-SECOND BUFFER — CALLS UNDER 10 SECONDS AREN'T BILLED
NO DAILY CAP — YOU SET THE PACE WITH AVAILABLE
SALES PER 100 CONNECTED CALLS — YOUR ESTIMATE
USE YOUR OWN AVERAGE
OF ANNUAL PREMIUM — = $1,210 / SALE
Monthly earnings after call costs
$0
Annual earnings after call costs
$0
Sales / month
0
Call spend / month
$0
Expected commission
$0
Cost per sale
—
Break-even close rate
—
Return on call spend
—
CHOOSE A CALL PACK → CONSUMER-INITIATED · EXCLUSIVE · LIVE DELIVERY
ESTIMATES ONLY — NOT A PROMISE OF RESULTS.
THIS CALCULATOR PRODUCES HYPOTHETICAL PROJECTIONS FROM NUMBERS YOU ENTER. ACTUAL RESULTS DEPEND ON YOUR SKILL SET, LICENSING, EFFORT, FOLLOW-UP, PRODUCT MIX, AND MARKET CONDITIONS — PAST PERFORMANCE, YOURS OR ANY OTHER AGENT'S, DOES NOT PREDICT FUTURE SUCCESS. CLOSE RATE AND COMMISSION ARE YOUR ASSUMPTIONS, NOT OUR CLAIMS. EARNINGS SHOWN ARE BEFORE CHARGEBACKS, OPERATING EXPENSES, AND TAXES, AND EXCLUDE ANY COSTS YOU HAVE NOT ENTERED. CALLS COST MONEY WHETHER OR NOT THEY CLOSE; YOU CAN LOSE MONEY. CALL VOLUME AND AVAILABILITY ARE NOT GUARANTEED. NOTHING ON THIS PAGE IS FINANCIAL, LEGAL, OR TAX ADVICE. SEE OUR TERMS FOR BILLING, CREDITS, AND MEMBERSHIP RENEWAL DETAILS.
Best Practices

HOW TO CONVERT
TV INBOUND CALLS.

These callers are expecting to pay for something. They called about insurance. Treat them accordingly.

[!]
DO NOT TREAT THESE LIKE SOCIAL MEDIA CALLS
If you treat these like normal social media calls, you will waste them. These are high-intent consumers who are ready to discuss insurance coverage.
01
OPEN WITH WARMTH
“Hi, I’m [agent name] with [agency]. Who do I have the pleasure of speaking with?”
02
BUILD RAPPORT
Banter and build a genuine connection. These callers expect a real conversation, not a script.
03
QUALIFY THE CALLER
Go into qualifying questions naturally. They’re already interested — guide them through the process.
04
PRESENT OPTIONS
“Let me find you some discounts on policies.” Present options and let them choose what fits.
After Checkout

SIGN UP.
HIT AVAILABLE.

01
SIGN UP & ANSWER A FEW BASIC QUESTIONS
Pick your pack and check out — no login needed to buy. Then pick the states you cover. That's it — no phone setup, calls ring in your browser.
02
CHECK YOUR EMAIL
We send you a login to the 123 Perks agent call portal — your dashboard for live status, call history with caller ID, and buying more packs.
03
HIT ● AVAILABLE — CALLS START
Log in, flip your status to Available, and live callers start routing to you. Calls sent while you're Available count even if unanswered — so flip to Unavailable the moment you can't take calls.
SPEED: [→]Typically 15–30 minutes from checkout to your first calls — depends on the time of day you buy [→]Watch call alerts land in the agent call portal as they come in
Questions

FREQUENTLY
ASKED

Where do the calls come from?+
Our Final Expense commercials on Netflix, Hulu, YouTube and other streaming TV networks. A viewer watches the ad, picks up their phone, and dials the number on screen. These are consumer-initiated calls — not social media click-to-call traffic, not misdials, not purchased data lists.
What exactly am I buying?+
Inbound Final Expense calls. We run Final Expense commercials on streaming TV networks like Hulu and Netflix. Interested viewers dial the number on screen, and we connect the live caller straight to you in the agent call portal. Each call routed to you while you're Available counts toward your pack.
What is an Auto Insurance caller?+
A driver who saw our auto insurance commercial on streaming TV and dialed the number on screen themselves to shop their rate. Same consumer-initiated, exclusive inbound calls as our Final Expense line — not a form fill, not a misdial. Packs are sold per product line: an Auto Insurance pack does not include Final Expense calls, and vice versa.
What is an ACA caller?+
Someone who saw our ACA health coverage commercial on YouTube and dialed the number on screen themselves to ask about their options. Same consumer-initiated, exclusive inbound calls as our other lines — the difference is placement: ACA runs on YouTube, Final Expense and Auto run on connected TV. Packs are sold per product line: an ACA pack does not include Final Expense or Auto Insurance calls.
What makes these calls exclusive?+
Each call is routed to you and only you. We never conference in other agents, resell the caller, or redistribute the call.
What counts as a billable call?+
A call routed to you while you're marked Available. When we send a live caller to you, that call counts toward your pack — including if you don't pick up (see below). Calls under 10 seconds aren't billed (10-second buffer), and dead air and instant hangups can be credited back (see below).
What happens if I'm marked Available but don't answer?+
You're still charged. While you're marked Available, we send live callers to you in real time, and a call routed to you counts toward your pack even if you don't pick up. Only stay Available when you can actually answer, and flip to Unavailable the moment you can't.
What if it's dead air or the caller hangs up right away?+
You can get it credited back. Calls under 10 seconds are never billed. If a longer call turns out to be dead air or the caller hangs up without engaging, you'll get a disposition popup after the call — choose “Dead air / hangup” and the call goes into our return queue. Our AI analyzes the call and a human reviews it; if it's valid, the call is credited back to your account.
When and where do calls come in?+
Calls route in real time as prospects dial in — but only while you're logged into the agent call portal and marked Available, and only from states you cover. Flip to Unavailable and routing pauses.
How does auto-renew billing work?+
Every pack starts with auto-renew ON. When your pack runs out of calls (hits 0), your card is charged for the same pack again and your calls refill, so your phone keeps ringing without you re-ordering. It does not renew on a date — only when you have used every call. Don't want auto-renew? Turn it OFF any time from your contract in the agent call portal; it stays off until you turn it back on. No long-term contract and no cancellation fee.
How do I get set up?+
Pick a pack and check out — no login required to purchase. You pick the states you cover. We then email you a login to the agent call portal. Log in, hit Available, and calls ring right in your browser — no phone setup, it's all handled in the platform.
How long until I start getting calls after I buy?+
It depends on the time of day you buy your pack, but typically 15–30 minutes. Once you're logged in and marked Available, you'll see alerts in the agent call portal as calls come in — and whether you won the bid on each one.

STOP DIALING.
START ANSWERING.

Contact 123 Perks
EMAIL Support@123perks.com
PHONE (888) 220-0758
MAIL 123 Perks
235 East Main St., Suite 105B
Northville, MI 48167