Inbound Insurance Call Benchmarks: Real Platform Data
Why we're publishing this
Every vendor in this niche says their calls are "high intent." Almost none publish a number. Because AgentCalls runs the platform — routing, billing, and recording every call — we have the actual data, and we'd rather show it than adjectivize it. Numbers below are trailing-90-day aggregates across the platform, ending 2026-08-11.
Methodology, stated up front: aggregated by vertical; no per-agent, per-publisher, or per-campaign figures; verticals with fewer than 100 billable calls in the window are suppressed rather than reported on small samples. "Billable" means the call ran past the campaign's buffer duration — shorter calls are answered but never charged (how billing works).
The benchmarks
Final expense inbound, trailing 90 days on the AgentCalls platform:
| Call tier | Billable calls (90d) | Avg. billable call length | Share of connects that clear the buffer |
|---|---|---|---|
| Standard Final Expense (85s buffer) | 4,544 | 20.6 minutes | 15.2% |
| Premium Final Expense | 1,656 | 18.5 minutes | 33.3% |
| Final Expense Raw (short buffer) | 202 | 10.5 minutes | 58.4% |
Three things worth reading out of that table:
1. Real conversations are long. A billable standard final expense call averages over 20 minutes. That's not a "lead" — it's a full needs conversation with a prospect who dialed in themselves. If you've bought data leads, compare that with how long your average outbound connect lasts.
2. The buffer does its job — most connects cost nothing. Only 15.2% of standard FE connects clear the 85-second buffer. The rest — wrong numbers, short hangups, curiosity calls — ring your softphone and cost $0. A low billable percentage isn't waste; it's the filter working in your favor, enforced by the billing system rather than a refund process (why that matters).
3. Screening is a real trade, and now you can see its shape. Raw calls (minimal screening, short buffer) bill on 58.4% of connects but average 10.5-minute conversations. Premium screening bills on a third of connects with 18.5-minute conversations. Neither is "better" — Raw suits experienced closers who qualify fast and want the lowest per-call price; screened tiers suit agents who want the platform to do the filtering. What we haven't seen any other platform publish is what that trade actually looks like in the data.
How to use these numbers
If you're evaluating any inbound call platform — ours or a competitor's (the full map is here) — ask them for the same three numbers: average billable call duration, share of connects that bill, and the buffer that separates the two. If a vendor can't or won't produce them, you're buying adjectives.
To see current per-call rates alongside these benchmarks, create an agent account — rates for every campaign are visible inside the platform before you take a single call.
Frequently asked questions
Where does this data come from?
From the AgentCalls platform's own billing records: every inbound call over the trailing 90 days ending 2026-08-11, aggregated by vertical. No individual agent, publisher, or campaign data is included, and segments with fewer than 100 billable calls are suppressed rather than reported on thin samples.
What does 'billable' mean in these numbers?
A call is billable only if it runs past the campaign's buffer duration (85 seconds on standard final expense). Calls under the buffer — wrong numbers, instant hangups — are answered but never charged, which is why billable percentage is far below 100% by design.
Why is the billable rate so different between call tiers?
Screening. Raw calls have a short buffer and minimal filtering, so most connects clear it (58.4%) but conversations average about 10 minutes. Standard and premium tiers screen harder: fewer calls clear the buffer (15–33%), but the ones that do average 18–21 minutes — deeper conversations with more qualified callers.
Will these numbers change?
Yes — this page reports a rolling window and we refresh it periodically, updating the date above. Treat it as a current snapshot, not a guarantee of future performance.