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The playbook

Close more, dial less.

Field notes on voice AI, speed-to-lead, warm transfers, and the automation that actually moves an insurance book — written by a former top-producing agent.

Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing Medicare Supplement lead calls spread across a 12-month calendar rather than a single enrollment season, an emerald voice waveform on the screen

Lead Follow-Up 21 min read

Medicare Supplement Leads: Why They Don't Wait for AEP

Medigap has no annual enrollment period. 16 states run birthday-rule windows year-round, and leads don't wait for AEP. What they cost and how to follow up.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing a stack of outbound auto insurance lead calls and connect status, an emerald voice waveform on the screen

Lead Follow-Up 22 min read

Auto Insurance Leads: Why Nobody Answers the Phone

Auto insurance leads run $0.50 to $90 each and often reach several agents at once. Here's the real 2026 pricing, market data, and how to fix low answer rates.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing outbound life insurance lead calls and warm transfer status, an emerald voice waveform on the screen

Lead Follow-Up 22 min read

Life Insurance Leads: Why the First Call Wins

Life insurance leads run $0.60 to $160 each, and they decay fast. Here's what 2026 pricing and sales data actually show, and how to fix follow-up.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing outbound annuity lead calls and warm transfer status, an emerald voice waveform on the screen

Lead Follow-Up 20 min read

Annuity Leads: Why Speed to Contact Still Wins

Annuity leads cost $12 to $275 each and decay fast. Here's what slow follow-up costs, what NAIC's Best Interest rule requires, and how to fix both.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing outbound insurance calls with STIR/SHAKEN attestation labels A, B, and C, an emerald voice waveform on the screen

Compliance 21 min read

STIR/SHAKEN Attestation: Why Insurance Calls Show as Spam

Carriers score every call by its STIR/SHAKEN attestation level. Here's how that decides whether your insurance agency's calls say Spam Likely in 2026.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing a homeowners insurance non-renewal lead queue with a 75-day countdown timer, an emerald voice waveform on the screen

Lead Follow-Up 21 min read

Homeowners Non-Renewals Are Surging: What Agents Do Now

Homeowner non-renewal rates jumped up to 216% since 2018, per NAIC. Here's how P&C agents should follow up before a lapsing policy runs out.
Mike Moore, founder of TheAffordableAI, at a wood desk reviewing a call dashboard showing a final expense lead queue with channel tags for TV, direct mail, and telemarketed leads, an emerald voice waveform on the screen

Lead Follow-Up 20 min read

Final Expense Insurance Leads: A Different Playbook

Final expense insurance leads skew older, and FTC data shows elder scam-wariness is real and rising. Here's a follow-up cadence built for that, not for ACA.
An insurance agency owner at a wood desk reviewing a live AI call dashboard on a laptop, showing an audio waveform and call queue, with a smartphone beside it lit up mid-call, representing an agency answering a shared insurance lead the moment it arrives

Lead Follow-Up 21 min read

Shared vs Exclusive Insurance Leads: What Wins in 2026

A shared insurance lead can ring at five other agents at once. How the ping-post auction works, what it costs, and how to win the call anyway.
Mike Moore, founder of TheAffordableAI, frowning skeptically at a laptop screen displaying a dashboard with a red warning triangle and the words Lead Source Unverified above a row of small phone icons, with a stack of printed lead sheets on the desk and a faint emerald voice waveform glowing on a second monitor, representing an insurance agent scrutinizing a purchased lead vendor's consent

Compliance 21 min read

Buying Insurance Leads in 2026: The $145M FTC Warning

The FTC just fined two lead-gen firms $145 million for deceptive robocalls tied to consumer leads. Here is what it means for insurance agents who buy leads.
Mike Moore, founder of TheAffordableAI, frowning at a laptop screen showing a simple messaging dashboard with a red Message Failed banner stacked above a green Delivered banner, representing an insurance agency's business texts silently failing without A2P 10DLC registration

CRM & Integrations 20 min read

A2P 10DLC for Insurance Agents: Why Texts Get Blocked

Unregistered business texts get blocked outright, not delayed. Here's what A2P 10DLC requires, what it costs, and how to register an agency in 2026.
Mike Moore, founder of TheAffordableAI, reviewing a laptop showing a call compliance dashboard with a clock reading 8pm and an Oregon state outline graphic on the wall behind him, representing an insurance agency reviewing its outbound calling and texting hours ahead of Oregon's new telemarketing law

Compliance 19 min read

Oregon Telemarketing Law 2026: Insurance Agent Guide

Oregon's HB 3865 caps telemarketing calls and texts at 8am-8pm and 3 a day. What changed, what a violation costs, and how insurance agents comply.
Mike Moore, founder of TheAffordableAI, reviewing a laptop showing a call compliance dashboard with an audio waveform and a voicemail icon, in a warm plant-filled home office, representing an insurance agency reviewing whether its ringless voicemail campaigns are TCPA compliant

Compliance 20 min read

Is Ringless Voicemail Legal for Insurance Leads in 2026?

The FCC ruled ringless voicemail is a call under the TCPA. What that means for insurance agents, what a violation costs, and how to send one safely.

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