Insurance leads · insurance live transfers · auto, final expense, home & life

Insurance leads that call you. Live transfers from Google & YouTube.

Bear Fish Media has supplied Google and YouTube live transfers to some of the largest carriers in the nation — with a 30-second, 1-minute, or up to 2-minute buffer before the call ever counts. Unqualified calls are credited back automatically. No fine print, no hoops, no hurdles.

Book a Strategy Call → How the buffer works
30s–2:00buffer before a call is billable
250calls per state at full capacity
5+agents required — agency owners only
Live transfer connecting
Google Search → your queue
Billable buffer · 1:00 program
0:30 tier 1 1:00 tier 2 2:00 tier 3

Not billable yet. Hang up inside the buffer and this call costs you nothing.

Caller
Denise Whitaker
Location
Ocala, FL 34471
Line
Final Expensequalified
Source
YouTube · “burial cost” video
Screened on
Age 67 · FL resident · wants $15k

“I just want something small so my daughter isn't stuck with the funeral bill. What do you need from me?”

First fifteen seconds of the call, before your agent says a word about price.
Auto-credited if it doesn't qualify · no form, no dispute
Live transfers in Auto Live TransfersFinal Expense Live Transfers Home Insurance LeadsLife Insurance Leads
The buffer

30 seconds, 1 minute, or 2 minutes before the call ever counts.

Every insurance live transfer we send carries a buffer — live talk time that has to pass before the call becomes billable. Your agent decides if the call is real before the meter starts.

30sec

Tier one

Half a minute of live conversation before the call counts. Enough to confirm you have a real human in your footprint who called about coverage — and to drop a wrong number, a robocall or a hang-up at zero cost.

Highest volume
1min

Tier two

Sixty seconds is where most insurance teams land. Your agent has confirmed the line of business, the state, and that the caller actually wants a quote — all before the transfer is billable.

Most agencies choose this
2min

Tier three

Up to a full two minutes of buffer. By the time this call counts, your agent has the current carrier, the renewal date or the coverage amount, and is already quoting. Nothing marginal survives two minutes.

Highest bar

Why the buffer is the whole argument. Every live transfer provider will tell you their calls are qualified. The buffer is the only version of that promise you can hold in your hand, because it moves the risk off your P&L and onto ours: if the call cannot survive your buffer window on live talk time, we do not get paid for it. Pick your tier on the strategy call — higher buffers mean a higher bar per call, lower buffers mean more volume, and we will tell you honestly which one fits your floor.

Call quality

These calls are like taking an order, not pitching.

Nobody on these calls is being interrupted. They searched for coverage on Google, or watched a YouTube video about it, then picked up the phone and asked to be connected to an agent.

Auto

Google: “car insurance quote cheaper than my renewal”

“My renewal went from $164 to $211 and nothing changed. Can you beat it? I have the declarations page in front of me.”

Final expense

YouTube: “how much does a funeral actually cost”

“I watched that video and it scared me. I want maybe ten or fifteen thousand so my kids aren't paying for it. What's the monthly?”

Home

Google: “home insurance quote after non-renewal”

“My carrier non-renewed me over the roof age and I close in eleven days. I need a bindable quote, not a callback next week.”

Life

Google: “20 year term life insurance with two kids”

“We just had our second. I want twenty-year term, probably half a million. What do you need from me to get it started today?”

Search and video intent, not a data list

These are not co-registration leads, incentivized survey entries, or aged records resold for the fifth time. The caller went to Google or YouTube with a coverage problem the same day. That single difference is why the tone of the call is “help me buy” instead of “who is this.”

They already know an agent is coming

The caller was told they were being connected to a licensed agent, and they stayed on the line to be connected. Your agent never has to earn permission to talk about insurance — that part is already settled before the transfer lands.

Screened on the fields that decide the sale

Auto transfers are screened on current carrier, premium and renewal timing. Final expense on age, state and coverage amount. Home on ownership and the reason they are shopping. Life on age, term and beneficiaries. Your agent opens with the quote, not the interview.

No fine print

The only live transfer provider with nothing in the small type.

Unqualified calls are credited back automatically. Your agents never file a dispute, never fill out a form, and never argue with a rep to get money back that was always theirs.

How the rest of the industry does it

The dispute treadmill

  • A claim window. Twenty-four or forty-eight hours to dispute, or the call is yours forever.
  • A dispute cap. Credits stop after some percentage of your monthly spend, no matter how many bad calls you got.
  • Proof of burden on you. Pull the recording, timestamp it, write the reason, email it in, wait.
  • A reviewer with an incentive. The same company that billed the call decides whether the call was good.
  • Definitions that move. “Qualified” means whatever the contract needs it to mean at invoice time.
  • Your best agent doing admin. Hours a week spent clawing back credits instead of writing policies.
How Bear Fish does it

Automatic credit-backs

  • The buffer runs first. A call that dies inside your 30-second, 1-minute or 2-minute window never becomes billable in the first place.
  • We find it, not you. Calls that miss the criteria we agreed to are credited back automatically on our side.
  • No window, no cap. There is no deadline to catch it and no ceiling on how much comes back.
  • No form, no ticket, no phone tag. Nothing for your agents to submit. The credit is simply there.
  • Criteria written down once. Your qualification rules are set before launch, in plain language, and they do not drift.
  • Your team stays on the phones. Which is the entire point: take the next call, close the next policy.
No hoops, no hurdles

What happens when a call doesn't qualify.

Short version: nothing happens, because nothing is asked of you. Here is the whole process end to end — and notice that your team appears in exactly one step of it.

  • Zero admin on your side. No dispute portal to learn, no spreadsheet to keep, no weekly reconciliation call.
  • Recordings on every transfer. You can audit anything you want, any time. You just never have to in order to get credited.
  • One page of criteria. If it is not on that page, it is not a qualification requirement. There is no second document.
Insurance agent taking an inbound live transfer call at a desk
  1. Your criteria get written down before launch

    Lines of business, states, age bands, coverage amounts, current-carrier rules, hours you want the phones fed. One page, plain language, agreed by both sides.

  2. The buffer screens the call in real time

    Your agent talks to the caller. If the call ends before your buffer elapses — wrong number, robocall, out of state, language barrier, someone who never wanted a quote — it is not billable. Nothing to report.

  3. Your agent takes the call and moves on

    This is the only step your team touches. They quote, they close, they hang up, they take the next transfer. No tagging a call as bad, no note to a rep, no end-of-day report.

  4. We review against your criteria on our side

    Transfers that cleared the buffer but missed something on your one page get flagged by us, not by you. We do not wait for you to notice.

  5. The credit appears automatically

    Applied to your account with the call and the reason attached. No claim window to beat, no cap to run into, no invoice argument at the end of the month.

Who we have supplied

We have fed live transfers to the largest carriers in the nation.

Carrier-level programs are unforgiving: compliance reviews the traffic, quality assurance listens to the calls, and “qualified” has to mean something you can defend in a spreadsheet. The buffer standard, the written criteria and the automatic credit-back policy on this page all came out of that work — and independent agency owners get the same machine, on the same terms.

Book a Strategy Call →
Built for scale

Up to 250 calls per state.

The ceiling is per state, not per account — so a multi-state agency stacks it. Google and YouTube inventory is deep enough that your footprint, not our supply, is the limit.

Volume that doesn't collapse the moment you turn it up

Most live transfer providers are reselling somebody else's call flow. Ask for real volume and quality falls apart, because the only way they can hit your number is to loosen the screen. We generate our own traffic on Google Search and YouTube, which means scale comes from buying more auction inventory — not from lowering the bar on who gets transferred.

That is what makes 250 calls per state a real number instead of a brochure number. Run one state or run twelve; the qualification criteria, the buffer and the credit-back policy are identical at every level of spend.

  • We ramp, we don't dump. Volume steps up as your agents prove they can hold the pace, so you never have transfers ringing out into voicemail.
  • Concurrency matched to your floor. We pace calls to how many agents are actually live, which is exactly why the five-agent minimum exists.
  • State-by-state control. Turn a state up, down or off without touching the rest of the program.
  • Same standard at 3,000 calls as at 250. Scaling changes the volume dial, never the screen.
Ceiling by footprint up to 250 calls per state
1 stateup to 250 calls
3 statesup to 750 calls
6 statesup to 1,500 calls
12 statesup to 3,000 calls

One input, multiplied: every figure above is the same 250-per-state ceiling applied across a wider footprint. Your actual pace is set by your agent count and your buffer tier — we size it with you on the call.

Lines of business

Auto, final expense, home and life.

Four programs, four sets of Google and YouTube campaigns, four separate qualification screens. A final expense transfer and an auto transfer have almost nothing in common, so we never screen them the same way.

Auto

Auto Insurance Leads & Auto Live Transfers

Drivers whose renewal just jumped, who added a teen, who moved states, or who got a rate letter they did not expect. Auto live transfers arrive with the declarations page usually already open, because these callers came looking to compare a specific number against a specific number.

Screened on
Current carrier · premium · renewal date · state
Buffer
30 sec · 1 min · up to 2 min
Source
Google Search & YouTube
Final expense

Final Expense Live Transfers

The most YouTube-driven program we run. Callers have watched something about burial costs or leaving a bill behind, and they call in already knowing roughly what they want to cover. Final expense live transfers are the clearest example of order-taking on this page — the objection is rarely “why,” it is “how much a month.”

Screened on
Age band · state · coverage amount · beneficiary
Buffer
30 sec · 1 min · up to 2 min
Source
YouTube-led, Google supported
Home

Home Insurance Leads

Homeowners shopping under a deadline: a non-renewal notice, a premium increase, a roof-age condition, or a closing date they have to bind coverage before. Home insurance leads carry urgency that nothing else on this list does, which is why they reward a team that can quote same-day.

Screened on
Ownership · state · reason shopping · timeline
Buffer
30 sec · 1 min · up to 2 min
Source
Google Search & YouTube
Life

Life Insurance Leads

Life events, not impulse clicks: a new baby, a mortgage, a marriage, a parent's diagnosis. Life insurance leads come in with a face amount and a term already in mind, so your agent's job is fitting a product to a decision the caller has mostly already made.

Screened on
Age · term · face amount · health flags
Buffer
30 sec · 1 min · up to 2 min
Source
Google Search & YouTube
Who this is for

Exclusive to agency owners with at least 5 agents.

This is a real minimum, not a sales filter. Live transfers ring in real time, and a floor that cannot answer them turns good calls into wasted spend — which makes both of us look bad.

Built for you if

  • You own or run the agency and can decide on the program without a committee.
  • You have five or more licensed agents who can be on the phones during the hours you want fed.
  • You write auto, final expense, home or life — one line or all four.
  • You want more volume than your current source can give you without the quality falling apart.
  • You are done with dispute portals and claim windows and want credits handled without your team touching them.
  • You can scale into a footprint — more states, more capacity, same standard.

Not the right fit if

  • You are a solo agent or a two-person shop. Transfers will ring out and you will hate the numbers.
  • You want form fills to dial later. These are inbound calls that need answering now.
  • You are reselling calls rather than writing the policies yourself.
  • Nobody is reliably on the phones during your delivery hours.
  • You want the cheapest cost per call in the market rather than the cleanest one.
Insurance live transfer questions

Straight answers.

What is an insurance live transfer?

A real person, already on the phone and already looking for an insurance agent, connected straight into your team. No form to chase, no dial list, no voicemail. We generate the intent on Google Search and YouTube, the prospect calls in, and the call is transferred live to your next available agent while they are still holding the phone.

What does the buffer mean and why does it matter?

The buffer is live talk time that has to pass before a call counts as billable. We run a 30-second, 1-minute, or up to 2-minute buffer depending on your program. If the call ends inside your buffer window, it does not count and you are not charged — so a wrong number, a hang-up, a language barrier or an out-of-footprint caller costs you nothing. Your agent has the entire buffer to decide whether the call is real before the meter starts. See the three tiers.

Do you credit back calls that aren't qualified?

Yes, automatically. If a call misses the criteria we agreed to, it is credited back without your team filing a dispute, submitting a form, emailing a recording or arguing with a rep. No monthly dispute cap and no 24-hour claim window. We would rather issue the credit ourselves than have your agents doing paperwork instead of taking the next call. Here is the whole process.

Where do the insurance live transfers come from?

Google Search and YouTube. Every transfer traces back to someone who typed a coverage question into Google or watched a YouTube video about auto, final expense, home or life insurance and then picked up the phone. Search and video intent — not co-registration, not incentivized offers, not a recycled data list. That is why the calls behave like inbound business instead of cold outreach.

Who can buy — do you work with individual agents?

We are exclusive to agency owners with at least five agents on their team, so no, not individual agents. Live transfers are a real-time product: if calls arrive faster than the phones can answer them, the volume is wasted. Five agents is the point where an agency can hold the call pace, work a full day of transfers, and generate enough data for us to tune the campaign around what is actually closing.

How many insurance live transfers can you deliver?

Up to 250 calls per state. Because the ceiling is per state rather than per account, a multi-state agency stacks it — three states is up to 750, six states is up to 1,500, twelve states is up to 3,000. We ramp into your capacity rather than dumping on day one, so your agents build a rhythm instead of drowning. See how it stacks.

Which insurance verticals do you cover?

Auto insurance leads and auto live transfers, final expense live transfers, home insurance leads and life insurance leads. Each runs on its own Google and YouTube campaigns with its own qualification screen — an auto transfer is screened on current carrier, premium and renewal timing, while a final expense transfer is screened on age, state and coverage amount.

Why do these calls feel like taking an order instead of pitching?

Because the prospect started the conversation. They searched for coverage, they called in, and they were told they were being connected to a licensed agent. Your agent is not interrupting dinner or overcoming a cold open — they are answering a question someone already asked. That is why agents describe these calls as taking an order rather than making a pitch. Read the actual openers.

Have you worked with major insurance carriers?

Yes. We have supplied Google and YouTube live transfers to some of the largest carriers in the nation. Those programs are where the buffer standard, the written qualification criteria and the automatic credit-back policy came from — carrier compliance and call-quality review do not tolerate loose definitions of a billable call.

How much do insurance live transfers cost?

Cost per transfer depends on the line of business, the states you want, and the buffer tier you pick — a 2-minute buffer prices differently than 30 seconds because the bar per call is higher. We quote your actual footprint on the call rather than posting a number that would be wrong for most agencies. You will leave that call with real pricing whether or not you buy.

Book a strategy call

Let's scale your insurance footprint.

Thirty minutes on your agent count, your states, your lines of business and your buffer tier. You'll leave with real cost per transfer, honest volume for your footprint, and the one page of qualification criteria your program would run on — whether or not you take a single call from us.

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