Stop cold calling.
Start closing warm leads.
We source life insurance leads from mortgage records, LLC filings, and online intent signals — score them with GPT-4 — and deliver only high-intent prospects to your dashboard. Automatically.
Life insurance is a relationship business — but finding the right prospects at the right moment is brutally hard. Cold lists are dead. Door knocking doesn't scale. Referrals alone won't fill your pipeline.
CoveraFlow was built to solve exactly that. We monitor public data sources 24/7 — CFPB mortgage filings, secretary of state business registrations, and social intent signals — to find people who have a real reason to think about life insurance right now.
How it works
Our scraper pipeline monitors CFPB mortgage records, LLC filings, and real-time intent signals around the clock. No buying lists. No recycled data.
GPT-4 reads each lead's context and assigns an intent score (0–100). Only prospects with high purchase intent make it through. The rest get filtered.
Warm prospects land in your CRM with automated first-touch email already sent. Your job is the phone call. We handle everything before that.
Why agents choose CoveraFlow
We don't sell recycled lists. Every lead is sourced from real life events — new mortgages, business filings, and social intent — so you're reaching people with an actual reason to buy.
Each lead is analyzed by AI and scored 0–100. You'll know exactly which prospects are hot before you dial, so you stop wasting time on unqualified contacts.
Your NIPR license data is pulled automatically. You only see leads in states where you're actively licensed — fully compliant, zero manual setup.
CoveraFlow sends your first outreach email automatically. By the time a lead hits your CRM as 'interested,' they've already clicked your message.
Track every lead from first contact to issued policy. Built-in CRM with stages, call logs, and notes — no separate tools needed.
Invite other agents using your unique referral link. Earn a discount on your own plan — up to 50% off — and cash payouts for every agent you bring in.
Free tool
See exactly how much you could earn based on your close rate, average policy size, and commission percentage.
Adjust your numbers
Your projection
Estimates only. Results vary by market, carrier contracts, and individual performance.
Invite agents. Get paid. On autopilot.
Every account gets a unique referral link automatically. Share it with colleagues, post it in agent groups, or mention it in your next team meeting. Your dashboard tracks every referral and every dollar earned.
Pricing
First month discounted. Cancel anytime. No contracts.
Starter
First month: $77.60
50 leads/mo · extra at $5/lead
Growth
First month: $147.75
100 leads/mo · extra at $3.50/lead
Pro
First month: $207.90
125 leads/mo · extra at $2/lead
Payment collected after your first month. 30-day grace period if payment fails. No credit card required to start.
FAQ
Life insurance lead generation is the process of identifying people who are likely to need or want a life insurance policy. CoveraFlow automates this by scraping public data sources — mortgage filings, business registrations, and online intent signals — then scoring each prospect with AI to estimate purchase likelihood.
After signup, you enter your NPN (National Producer Number). We verify it directly against the NIPR database and pull all your active state licenses automatically. Your lead feed only shows leads from states where you hold an active license.
Warm means the prospect has demonstrated a real life trigger — a new home purchase, a new business, or an online search signal — that correlates with a near-term insurance need. Our AI scores this context and filters out anyone who hasn't shown genuine intent.
Lead volume depends on how many states you're licensed in and the plan you choose. Starter agents see 50 leads/month, Growth agents see 100, and Pro agents get 125. Additional leads are available at a per-lead rate.
No contracts, no lock-in. Cancel any time. Your first month is discounted — 20% to 30% depending on your plan — and you're billed monthly after that.
Every CoveraFlow account comes with a unique referral link. Each active agent you refer gives you a 10% discount on your monthly bill (up to 50% max). After your third active referral, you also start earning $10 cash per additional referred agent per month.
Join licensed life insurance agents already using CoveraFlow to fill their pipeline with warm, pre-qualified prospects.
No credit card required · First month discounted · Cancel anytime