The terms for our website and live transfer service

These terms are between you and InsureScales LLC (“InsureScales”). They cover your use of insurescales.com and the InsureScales pay-per-transfer live transfer service. By using the website or the service, you agree to them.

If your agency has a signed service agreement with InsureScales, that agreement controls wherever it differs from these terms.

InsureScales provides live transfers to property and casualty insurance agencies. Our callers find people who want an auto, home, or renters insurance quote and transfer them live to the agency's producers. We do not work in any other insurance lines.

Each live transfer goes to one agency. The agency sets its states, calling hours, daily cap, and how many calls it can take at once.

You prepay for transfers at the per-transfer price in your quote. Payments are processed by our payment provider. Your balance only goes down when a transfer counts under the rules below.

• If your balance cannot cover a transfer, delivery pauses on its own until you add more.
• Prepaid transfers you have not received carry forward.
• If you pause or close your account, your unused balance is kept.
• You are never charged for capacity we did not deliver.

Answered calls are timed from the first ring at your agency. Ringing counts. Our screening before the transfer does not.

When your agency answers

• Under 75 seconds: Not billable.
• 75 seconds to under 5 minutes: Billable, unless our quality team approves a valid return.
• 5 minutes or longer: Billable. No ordinary lead-quality returns.

When nobody at your agency answers

• Prospect hangs up in under 20 seconds: Not billable.
• Prospect waits 20 seconds or more, then hangs up: Billable while delivery is active and not paused. You get their details so you can call back.

This includes calls that ring through to your agency voicemail. The wait is timed from the first ring.

Home and auto on the same call

• If the home qualifies, the transfer is billed in full, even if the auto side does not qualify or no quote gets finished.
• If the home does not qualify and only one vehicle qualifies, you get a single-vehicle billing adjustment.

Returns apply to answered transfers between 75 seconds and 5 minutes. You can send a transfer back if the prospect turns out to be one of the following.

Auto

• No vehicle, or no valid driver's license
• No auto insurance now, or a coverage lapse in the past 6 months
• Already insured with a carrier your campaign agreement excludes
• Lives outside your agreed licensed states
• Has or needs an SR-22

Home

• Does not own or co-own the home
• The home is outside your agreed licensed area
• The home is insured with a carrier your campaign agreement excludes

Any extra home criteria have to be agreed in writing. There are no default property-type or ZIP code limits.

How returns work

• Send returns the same day when you can.
• Returns are accepted through the end of that billing week.
• Our quality team reviews every return. Only approved returns come off your bill.
• Billing and approved returns are settled by the end of each week.
• Not quoting the prospect is not, by itself, a reason to return a call.
• We deliver interested, qualified prospects. Quotes and sales are not guaranteed.

You can ask us to pause delivery at any time. Nothing is billed during a pause you requested, including missed transfers.

• Keep your agency and producers licensed in the states you ask us to call.
• Answer transfers during the hours you set, or pause delivery when you cannot.
• Tell us in writing about any carriers to exclude or any extra criteria.
• Handle every licensed insurance conversation, including quotes, advice, applications, and binding.
• Follow the laws, carrier rules, and licensing duties that apply to your agency.
• Only give us lists or CRM data you have the right to use for outreach.

InsureScales callers do not quote, advise, bind, or discuss policy details. Agencies are responsible for coverage recommendations, applications, pricing, suitability, and binding decisions.

We run compliance controls such as do-not-call scrubbing, calling-window rules, approved scripts, and required disclosures. These controls do not replace legal advice for your agency.

Calls may be monitored and recorded for quality, billing review, returns, and compliance. The agency that receives a transfer can listen to that call in its client portal.

Keep your portal login private. You are responsible for activity under your account. We may suspend access to protect the service or other clients.

We deliver interested, qualified prospects. Quotes, sales, and transfer volume are not guaranteed. Results vary by market, calling hours, the states and filters you choose, and how quickly your team answers.

Text messages are sent only after express opt-in. Message frequency varies, and message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to receive text messages is not a condition of purchase. The SMS Program Terms and Privacy Policy are part of these terms.

The information on this website is general business information and may change. It is not legal, compliance, insurance, or financial advice.

We may update these terms. The date at the top of this page shows when they last changed. Continuing to use the website or service after a change means you accept the updated terms.