Correct state
The caller is located in a state the buyer has selected and is eligible to receive.
Call criteria
Clear rules. No guessing what counts.
Our CTV Final Expense calls are billed based on whether the caller meets the agreed qualification criteria, not simply because a timer runs out.
Standard CTV criteria
✓
Correct stateCaller is in an approved buyer state
✓
Age 50 to 85Caller is within the agreed age range
✓
Interested in coverageGenuine interest in life or Final Expense insurance
Billable
What makes a call qualified?
A call is billable when all three standard criteria below are met.
Age 50 to 85
The caller confirms they are between 50 and 85 years old.
Genuine insurance interest
The caller is genuinely interested in purchasing life insurance or Final Expense coverage.
All three criteria must be satisfied for the standard $60 charge.
If the caller is in the correct state, within the age range, and genuinely interested in coverage, the call is considered qualified and billable.
Not billable
When a call should not count.
If a call clearly fails the agreed criteria, it can be reviewed as not billable.
×
Outside approved states
The caller is not in a state assigned to the buyer.
×
Outside age 50 to 85
The caller confirms an age below 50 or above 85.
×
No insurance interest
The caller clearly states they are not interested in life or Final Expense coverage.
×
Clearly invalid call
Spam, a wrong number, or an obvious routing error can be reviewed under the dispute policy.
No arbitrary duration buffer
Qualification matters more than a stopwatch.
A long call is not automatically a good call, and a qualified caller should not become free simply because the conversation ended before an arbitrary time threshold.
We focus on whether the caller meets the agreed Final Expense criteria. If the caller is qualified and the agent is actively discussing or quoting coverage, the call remains billable even if the conversation ends quickly.
Traditional buffer
90 sec
Duration alone can create bad incentives.
Our approach
3 criteria
State + age + genuine coverage interest.
Dispute policy
24 hour review window.
Disputes must be submitted within 24 hours of the call. If a call clearly violates the agreed qualification criteria, the applicable call amount may be credited back to the buyer wallet or a replacement call may be issued.
1
Review the recordingConfirm which agreed criterion was not met.
2
Submit within 24 hoursProvide the call and reason for review.
3
Qualification reviewThe call is checked against the published criteria.
4
Credit or replacementApproved disputes are resolved according to the buyer agreement.
Ready to receive calls?
Get Started
Start with 5 CTV inbound calls.
5 qualified calls equals $300 in starter funding. Choose your states, set your availability, and evaluate the calls for yourself.