Pay per call and pay per lead are incomplete descriptions of a purchase. Ask what is delivered, what qualifies and what event creates a charge. A provider can deliver a live call while billing per qualifying lead.
Put the billable event in writing
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| Quote wording | What remains to be specified |
|---|---|
| Per record | Record age, sharing, acceptance and replacement terms |
| Per connected call | What constitutes a connection and whether duration applies |
| Per qualifying lead | Exact qualifications, evidence and billing decision |
These are questions for a quote, not a statement that every provider uses these definitions. Read the terms for your particular campaign before assigning risk or value to a label.
Ringelo’s criteria campaign
The criteria campaign costs $60 per qualifying lead. Its criteria are age 50–85, an active checking or savings account, and interest in final expense coverage. This campaign has no minimum call duration. Do not treat this as the price or billing rule for every campaign. A qualifying lead is not a guarantee of a sale or underwriting approval.
Criteria, duration and credits are different terms
A duration-based campaign may define a minimum connected-call length before a charge applies. A credit policy defines when an existing charge can be reversed. Ask when the clock starts, what connection counts and how interruptions are treated. Do not infer those terms from a price alone.
Ringelo’s criteria campaign uses qualifications rather than a minimum-duration billing trigger. Other campaign prices, duration thresholds and credit terms must be confirmed separately. Our buffer guide explains the questions to ask without promising a universal credit window.
Reconcile charges with records
Keep the billable-unit definition with the invoice. Reconcile purchased units, excluded units, charged units and received credits using identifiers from the same campaign. Report any missing records as unresolved rather than assuming either side’s count is correct.
A billing review and a sales review answer different questions. A lead can satisfy the agreement and still not produce an application. Conversely, a long conversation is not proof that every qualification was met.
Compare the total outcome
Divide net lead charges by issued policies from that purchased cohort. Add attributable labor and fees separately for a fully loaded figure. Do not apply a record contact-rate adjustment to a rate whose denominator already consists of billable conversations.
Use the worksheet for a worked calculation, and the vendor questions to resolve missing terms before buying.