Live final expense transfers
They already
told us why.
Every transfer arrives with a real conversation behind it. Our dialers find out what they have, who it’s for, and why they picked up — then hand you the person and the story. You just close.
$35 a transfer — and only when the call lasts past 30 seconds.
Marcus Reed
63 · Non-tobacco · wants $20,000
Why he answered
“Buried his brother last year. The family passed a hat.”
Has now
None
For
Daughter
Draft
3rd
How it works
A person, not a button press
01
We have the conversation
A live dialer reaches a prospect and works a real script — what they have in place, who it's for, and why this matters to them now.
02
Your phone rings
They pick you from the agents licensed in that state and appointed to write it. Your screen fills with everything they gathered while your cell rings.
03
You close and write it
You pick up mid-conversation, finish the same record they started, and submit the application without retyping a thing.
What makes a transfer worth $35
You get the story, not just the name
The reason they answered is captured in their own words and sits at the top of your screen. It is the difference between a lead and a conversation you can finish.
A named desk, not a queue
The dialer chooses which agent gets the call. Work with the same desks, and they learn what you close.
Nothing gets retyped
What they gathered carries into your application — carrier, premium, draft date. You add health and banking on the call and submit.
Under 30 seconds is free
Wrong person, dead air, hang-up — you are not charged. Billing starts only when a real conversation does.
The story arrives first
“Buried his brother last year. The family passed a hat.”
One sentence, in his words, before you say hello. A raw inbound gives you a ringing phone and a name. This is the difference you are paying for.
Compare honestly
Cheaper calls, more of them wasted
Everyone quotes a per-call price. Nobody quotes what it costs to actually issue a policy. Those are different numbers.
Compare transfer details
| Feature | ONYX Inbounds | Raw inbound calls | Shared leads |
|---|---|---|---|
| Free window | 30 seconds | 10 seconds | n/a |
| What arrives | A conversation already had | A ringing phone | A form from days ago |
| Their reason | In their own words | Unknown | Unknown |
| Health & coverage | Gathered before you speak | You ask cold | You ask cold |
| Who gets it | A named agent the dialer picked | Next in the queue | Sold to 5+ agents |
| Dead air costs | Nothing | Billed after 10s | Billed regardless |
What does a policy actually cost you?
Per-call price is the wrong number. This is cost per issued policy.
- Policies / month
- 33
- Commission
- $19,800
- Net after transfers
- $12,100
ONYX · per issued policy
$233
220 transfers × $35. Calls under 30 seconds are free, so none of this is dead air.
Raw inbound at $22.5 · 10s buffer
$183
268 billed to get the same 220 real conversations — a 10-second buffer charges for hang-ups.
Assumes the same close rate on both, which is generous to the cheaper option: a raw inbound arrives with no intake and no stated reason. Move your close rate a single point and the gap widens.
Fund your wallet when you are ready. Nothing bills until a call passes 30 seconds.
Pricing
One price. No contract.
$35
per billable transfer
- Billed only past 30 seconds of connected talk time
- Full intake and the prospect's why on every transfer
- Fund your wallet, pause any time, no monthly minimum
- Disputes reviewed by a human and refunded when fair