Every 1 & 2 star review we've ever received.

We pulled Greg's call recordings. Of his 12 calls, 9 were answered after the 6th ring, 2 went to voicemail, and the average talk time was 1m 14s.

Our network-wide data shows a 1-in-3 close rate when the call is answered inside two rings and the conversation lasts at least 4 minutes.

Greg's profile flagged that he had 4 months of licensed experience and zero closed final-expense policies. Our 'Not Built For' section on the homepage specifically calls out brand-new agents — we should have caught this during onboarding, and we've since tightened that filter.

Bottom line: the calls were real buyers. The agent was not yet ready to handle them. We refunded Greg's setup fee in full.

This review was left without a verifiable account, license number, or agency on file. We searched every email and phone number associated with our last 24 months of accounts — no match.

Every applicant submits a state license before we route a single call. Every account has a real-time call log the agent can audit themselves.

We left this review up because we don't believe in hiding criticism, but we want to be honest with prospective agents: we have no evidence this person was ever a customer.

Linda is right that her close rate dropped. That's a volume-cap problem, not a quality problem.

Every agent in our network can set a daily call cap inside their dashboard. Linda's cap was set to 'unlimited' for the first 60 days at her request.

We've since added a default cap of 15 calls/day for new agents and a soft-warning when close rate dips below 25%. Linda is back at 31% close after capping at 12/day.

Honest take: this is real feedback that made our product better. We'd give ourselves a 2-star for the onboarding gap, too.

We have never claimed our billboards are in Manhattan. Our coverage page lists all 50 states with exact counts — New York has 2 billboards, both placed on Interstate corridors where drive-time and call-back rates are highest.

Urban billboards convert at roughly 1/4 the rate of highway billboards for insurance calls. We've tested this for 20 years. Highway commuters call. City pedestrians don't.

If Robert wants Manhattan eyeballs, we are not the right network. Our entire model is highway traffic — that's why our close rates exist.

Roughly 18% of inbound calls in our southern markets are Spanish-speaking, which matches the demographic of who is actually buying final-expense in those zip codes.

Our dashboard has a language filter. Cindy never enabled it. Once she did (with our support team on the phone), she stopped receiving Spanish calls and her close rate rose to 29%.

We left her review at 1 star because that's what she gave us. We're not editing reviews. But the tool to fix it existed from day one.

Calls are exclusive per-call: when a person dials the number, exactly one agent's phone rings. There is no list resold to five buyers.

What is shared is the geography — multiple agents can serve the same state, because 1 agent cannot answer the call volume of 9 billboards in Texas.

If state-wide exclusivity is the requirement, the math doesn't work for us or for the agent. We'd rather be honest about this upfront than oversell.