How to Set Up a Live Insurance Call Campaign: States, Hours, Bids and Budgets

A live call campaign is a set of rules that decides which calls reach your team and what you pay for them. This walkthrough uses the Oracle Leads portal, but the same decisions apply anywhere you buy calls.

1. Open an Account

Create an account for your agency. You can build a campaign and see what a call can cost before you fund anything.

2. Choose Your States

List only states where your agents are licensed and appointed with carriers they can sell. Calls from other states are not routed to you. Narrow lists reduce supply; wide lists dilute close rate if some states rarely sell. Start with the states you write most, then expand.

3. Set Your Hours

Schedule the hours your team can answer live within a few rings, in your own time zone. Calls only route inside your schedule. An unanswered call does not bill, but it is a sale lost and supply wasted.

4. Add a Receiving Number

Calls ring the receiving number you set. Point it at a queue or ring group that reaches agents, not voicemail, and confirm it records calls if your compliance program requires it.

5. Set a Maximum Bid

Choose the most you will pay for one billable call. Health and life start at $45, Medicare at $58, and you can go up to $300 in $5 steps. Each billable call is charged its actual price, never above your maximum. If you know your numbers, set your bid inside your break-even. See How to Calculate Cost per Acquisition.

6. Add Budgets

Set a daily budget and a total budget. When either is reached, calls stop routing until the next day or until you raise it. Budgets are the simplest way to make a test safe.

7. Connect Your CRM (Optional)

Every purchased call's record can post to your CRM or dialer automatically through API posting, with a test post first and retries if your endpoint is down.

8. Fund Your Wallet and Go Live

Fund the prepaid wallet. There is no subscription or setup fee. Health, life and Medicare campaigns are all self-serve and go live once Oracle confirms supply and routing for your states.

What to Watch in Week One

• Answer rate. Fix staffing before changing bids.
• Connected duration. Many very short connections can point to a routing or greeting problem.
• Close rate by state and hour, once you have a few dozen billable calls.
• Every charge against its call record.

Ready? Start with live health insurance calls or see the platform.