Final Expense
Consumer inquiries about final expense coverage.
Ladder Lead System
Your next insurance
conversation starts with
the Ladder Lead System.
Access Final Expense, IUL, and First Responder leads with lead delivery, wallet activity, and account management in one place.
For agents at Ladder Financial, True North Financial, and SZN.
THE LEADS
Lead options for
the business you write.
Three lead types. One place to manage your next opportunity.
IUL
Consumer inquiries about indexed universal life coverage.
First Responders
Explore the program’s First Responder lead option.
Lead availability varies by product and location. Inquiries are not guaranteed appointments or sales.
THE LADDER LEAD SYSTEM
The system behind
your next conversation.
The program brings lead generation, processing, routing, and delivery together. You handle the personal follow-up that moves each conversation forward.
Consumer inquiry
A consumer expresses interest in insurance information through a lead campaign.
Processing & delivery
The program processes and routes eligible inquiries to your account. Delivery depends on availability and your account settings.
Your follow-up
Access your delivered leads in the portal and reach out to discuss each consumer’s needs.
From the first inquiry to your next follow-up.
Get started with the systemGETTING STARTED
A clear path to
your first delivery.
Have your producer number and payment card ready. Then complete your account setup.
Get StartedCreate your account
Enter your details and complete the required producer information.
Set up your membership & wallet
Review your program membership and choose your initial lead-wallet funding.
Confirm your delivery settings
Complete setup and review your delivery preferences. Access delivered inquiries through your portal.
MEMBERSHIP & LEAD WALLET
Know what you’re paying for.
Start with a $500 membership and at least $500 in lead-wallet funds.
PROGRAM ACCESS
System membership
$500 every 14 days
Access to the Ladder Lead System and the services behind lead delivery.
- Lead generation and processing
- Routing and delivery services
- Lead reporting and account access
Renews every 14 days until canceled. Membership payments do not become wallet funds.
FUNDS FOR YOUR LEADS
Prepaid lead wallet
from $500
Separate prepaid funds used to pay for eligible leads as they’re delivered.
- Funds your delivered leads
- Variable lead rates
- Wallet activity in your portal
Lead costs are separate from membership. Wallet funding is not a refundable deposit.
How variable lead pricing works
There is no fixed per-lead price, advance per-lead quote, or per-lead spending limit. An initial wallet hold may be adjusted when the final charge is settled. If settlement exceeds available funds, the balance remains due. A daily lead limit controls quantity, not total spend.
A FEW THINGS TO KNOW
Before you
get started.
Clear answers to the questions that matter.
Contact program supportDoes membership include money for leads?
No. Membership and wallet funding are separate. Your $500 membership renews every 14 days and provides program access. Your prepaid wallet pays for delivered leads.
Are these appointments or guaranteed sales?
No. Leads are consumer inquiries, not appointments, applications, or policies. Consumer response, lead volume, and sales are not guaranteed. Your follow-up and sales process matter.
Is there a fixed price per lead?
No. Rates vary, and no per-lead price or estimate is displayed before delivery. Final settlement can adjust the initial wallet hold. There is no per-lead spending limit.
Can I cancel my membership?
You can cancel future renewals through available billing controls or program support. Complete the remaining-wallet acknowledgment in your account. Cancellation disables automatic refill and new funding; remaining prepaid funds may continue paying for eligible leads under the program terms. Completed payments are not refunded.
Are refunds or replacements included?
No. Membership payments, wallet funding, and lead charges are final, except for confirmed mechanical billing or delivery errors. Non-response, lack of interest, or a lead that does not become a sale does not qualify for a refund or replacement.
Who can help me get set up?
Email prestonpackardffl@gmail.com with questions about your account, membership, or getting started.
YOUR NEXT STEP
Get started with the
Ladder Lead System.
Your agency’s lead program. Your next conversation.
Get StartedAlready enrolled? Sign in to your account.