For licensed final-expense & life agents

Two ways to work. Both at cost.

Open Path or Clear Path for agents writing life and final expense. You pay us for the marketing and the software. You pay the ad platform directly — and exactly what your leads cost. We don’t take a cut of either.

Get leads on Clear Path See what a lead costs

Open Path

Subscription

$125/wk($499/mo)

Ad budget — separate

$400–$600 per week, paid by you straight to the ad platform.

Your advertisements. Your leads. Nothing in between.

Exclusive advertisements built and run for you. Yours alone — not shared, not resold.
Leads at cost. You pay what the ad platform charged, to the cent. You can check it.
A complete CRM, built and ready the day you start. Pipelines, follow-up, reporting.
Call and email follow-up running automatically on every lead.
10 approval packets a month included. $5 each after that.
Power dialer available — $89 or $139/month, less than you'd pay going direct. Managed number rotation $15/month, so your numbers never go stale and stop getting answered.

Start on Open Path

Clear Path

Subscription

$225/wk($899/mo)

Ad budget — separate

$600–$800 per week, paid by you straight to the ad platform.

Everything in Open Path, plus the three things agents ask us for most.

Estate planning that pays you

Wills and trusts, attorney-approved, offered under your own platform. Your clients get estate planning for well under what a law firm charges — and you earn a commission on every plan you place.

Your final expense clients already need this, and most of them will never get around to it on their own. Now you’re the one who handles it, and you’re paid for it.

Compliance handled — so your leads actually get texted

TCPA compliance and messaging registration, done for you. Most agents never get texting turned on because the paperwork requires a business website they don’t have. We build you one, branded to you, and file everything.

You get a working text channel on every lead. You don’t touch the paperwork.

Advertisements that follow the money

Cheap leads and good leads aren’t the same thing. We track which advertisements and which states actually produce applications — not just form fills — and move your budget toward the ones that do. Every week.

Most people optimize for cost per lead. We optimize for cost per application, because that’s the number you get paid on.

Also included: more states with fewer agents in them · advertisements tailored to your market · full Success Center · power dialer included · 25 approval packets a month

Start on Clear Path

Golden Path

By application

Done with you. Strictly limited.

Everything in Clear Path
Estate planning under your own brand, priced how you choose
Multi-line dialer — free access included
Live human support
Underwriting and placement assistance
Agent concierge service
Weekly appointment setting
Weekly creative reviews with a person, not a dashboard
First priority to other lead types
First priority to experimental leads
Full custom creatives
Full white-label advertisements, dedicated to you
Access to integrated FEX quota
50 approval packets free, included
We work your lapsing policies before the chargeback lands

Golden Path is limited by how many agents we can properly support at once. If that sounds like what you need, tell us about your operation.

Apply for Golden Path

All plans are month to month. Cancel any time.

Your ad budget is separate, set by you, changeable any week, and paid directly to the ad platform. We never touch it and we never take a percentage of it.

Your first two weeks run at a lower ad budget while your advertising account establishes itself with the platform. That’s not us throttling you — new accounts that spend hard on day one get restricted. We ramp you up over ten days and then you’re at full speed.

What every plan includes

Exclusive advertisements — yours only
Leads delivered at cost, itemized, every one of them
Consent and compliance documentation on every lead
Duplicate, do-not-call and litigator screening before delivery — never billed for a lead we screen out
Your open ledger: every dollar of ad spend and every pass-through cost, the day it happened

The only three numbers that matter

Your ad spend. Your lead costs. Your subscription.

The first two pass through at cost and you can check both. The third is what you pay us for building and running the whole thing.

There is no fourth number. See the complete published cost list

Questions

The questions worth asking first

How do you make money if you don't mark up the leads?

The subscription. That's the whole answer. We're paid for the platform, the advertising work, and the support — not for how much you spend on ads. It means our revenue depends on you renewing, which means the leads have to actually work.

What exactly is included in “at cost”?

Ad spend you pay the ad platform directly — we never handle it. Lead processing at our published blended rate, and text messaging where it applies, both passed through at what we pay. Nothing else can appear on a Legacy Path bill. The complete list is public on our costs page and won't change without 30 days' notice.

How do I know you're not marking it up quietly?

Your ad spend is on the platform's own bill, not ours — that billing is the record. Open Ledger shows the blended rate we actually paid for lead processing, what we absorbed on screened-out leads, and every line on your statement. You can export it and reconcile it against your own records any time.

What does “exclusive” mean here?

The lead was generated by an advertisement running only for you, and it is delivered to one agent. It is not shared, not resold, and not offered to anyone else afterward. Exclusivity is per lead, not per person forever — if that same person independently responds to a different agent's advertisement months later, that is a new lead generated by their budget, not your lead being resold.

Will you sell my client to another agent?

No. Once a policy is sold, that person is permanently suppressed from delivery to anyone else. And if they fill out a lead form again, we send it to you as an alert rather than selling it — because a client who is shopping is something you should hear about the same day.

Do I have to contract through your agency?

No. Legacy Path is for licensed independent agents writing life and final expense. Many members hold their contracts elsewhere.

Who owns the leads and the advertising data?

You do. Export any time, including your full consent records.

Can I change or pause my ad budget?

Yes, any week. You're never locked into a spend level.

What happens if a lead is bad?

Anything that fails verification is never delivered and never billed. For anything that gets through, submit a credit request from the lead card against a published standard.

Can I cancel?

Yes. All plans are month-to-month.

Pick a path. Or talk it through first.

Start on Clear Path Book a demo