Calls and leads
On the call
Warm transfers · Final expense
High-value, qualified transfers. Or your credit back.
AI reviews every transfer against a written rulebook. If the call ends inside the 90-second buffer for a reason on the list, the credit comes back to your balance. No emails to the vendor, no arguing over a recording.
*Medians on our own floor, Sep 28 to Oct 21, 2026. Method below.
The rulebook
These are the rules the AI reads on every call, in plain words. What doesn’t count is written down too. A credit you can predict beats one you have to argue for, and a rule a vendor can sign is one they keep honouring. Scroll, and the table fills in rule by rule.
01 · Not interested
The prospect says clearly that they don’t want final expense or burial coverage information.
Counts
Doesn’t count
02 · No bank account
They confirm no checking account, no savings account, and no Chime or Cash App. “I pay cash”, a prepaid card or Direct Express only count when they say outright that there’s no account.
Counts
Doesn’t count
03 · Disqualifying health
They say they currently have cancer under treatment, COPD, kidney failure or dialysis, dementia, or Alzheimer’s. If your agency sells guaranteed-issue plans, you can still write these, so the rule doesn’t credit them.
Counts
Doesn’t count
04 · Abusive or hostile
The prospect is verbally abusive, threatening, uses slurs or keeps swearing at your agent, or is so agitated that carrying on would be wrong.
Counts
Doesn’t count
05 · Not mentally competent
They can’t answer basic questions about themselves, still don’t understand the call after it’s explained, or answer incoherently throughout. A caregiver on the line saying they can’t make decisions counts too.
Counts
Doesn’t count
06 · Nursing-home residency
They say they currently live in a nursing home, an assisted-living facility, memory care or hospice.
Counts
Doesn’t count
07 · Age outside range
The prospect states an age, or a birth year that implies one, below 50 or above 80. It has to be their age, said by them.
Counts
Doesn’t count
08 · No response
On a transfer, the vendor’s rep speaks first to introduce the prospect. Those are the rep’s words. If, after the handover, the prospect says nothing at all (silence, only noise, a line gone quiet while your agent tries for a reply), it’s credited, whoever hung up. When the customer side holds one word or less, the platform credits it on its own.
Counts
Doesn’t count
09 · Agent hung up within 20 seconds
Any call your agent ends at 20 seconds or less is credited, whatever was said. The platform decides it from the call’s own timing, on the vendor’s clock: your desk timer starts where theirs did, so you both read the same seconds.
Counts
Doesn’t count
10 · Prospect hung up inside the buffer
The prospect ends the call inside the buffer, for any reason. The platform decides it from who hung up and when, no transcript needed.
Counts
Doesn’t count
11 · Audio or connection failure Default rule set
A real audio or connection failure from the start of the call stopped any meaningful conversation: the prospect can’t hear your agent, or the line is dead or garbled throughout, and the call ends because of it.
Counts
Doesn’t count
12 · Fake or troll prospect Default rule set
The recording clearly shows the person pretended to be interested to waste time, gave obviously false information, or joked the whole way through. Suspicion isn’t enough: the transcript itself has to show it.
Counts
Doesn’t count
Rules are set per campaign. These last two are in our default rule set; your campaign’s list is in the app.
Fair both ways
A credit only stands when the timing, the words and the confidence all line up. That’s what makes the verdicts something you can plan around, and something a vendor will accept.
01 · The clock
On warm transfers the buffer is 90 seconds. It’s timed on the vendor’s clock, and your desk timer starts where theirs did, so everyone reads the same number.
02 · The words
The AI has to quote what was said, and the quote has to be found on the prospect’s side of the transcript. Your agent’s words and the rep’s intro never count as theirs.
03 · The doubt
A credit the AI is less than 85% sure of is never applied on its own. It goes to a person on our team, as does a call with no transcript inside the buffer.
A real conversation is a billable one. Three kinds of call are always billable, which is what makes the rest of the rulebook fair to the vendor too.
The science
Every number here comes from warm transfers taken on the NextGen platform, judged by the rules above.
The median AI decision. Nine in ten were in within 26 seconds.
Minutes and seconds of talk time, from the moment the call reaches your agent.
Real conversations, long enough to quote and qualify.
Of billable warm transfers had a policy written within 14 days, from Sep 21 to Oct 21, 2026.
How we measured: every AI review of a transfer on our Warm Transfers campaign (90-second buffer) from Sep 28 to Oct 21, 2026. Talk time runs from the moment the call is bridged to your agent to hang-up. “Policy within 14 days” is a policy recorded on that lead within 14 days of the call, so it can include a sale on a later call. Your results will vary.
Disputes
Every transfer sits in your call history with its verdict and its reason. If you think the AI got one wrong, appeal it in a tap. A person on our team listens, and if they agree, the credit comes back.
Measured on our Warm Transfers campaign, Sep 28 to Oct 21, 2026, on disputes and appeals decided by a person. A median, not a promise; the slowest took a few days.
Then close them
Every warm transfer lands on the full NextGen desk, with the script, the underwriting, the commission and the follow-up already in it.
Script Walker™ walks the call one click per answer, from the greeting to the application, and the rebuttal shows up when the objection does. Bring your own script, or import one from a document.
Carrier Waterfall™ reads what the caller said and ranks every plan you can write, by underwriting and by your commission, in about five seconds.
Comp and advance grids per plan and per agent. Every sale shows what it paid.
Sale detection catches a sale on the call and fills the form from it. Nothing saves until you press Save.
Every policy and client timeline, with tasks that write themselves.
Timed email sequences from your own mailbox, with unsubscribe and DNC stops built in.
Vendors check who’s free before they transfer, and a call prefers an agent licensed in the caller’s state.
Every transfer, with the lead filling itself in from the call.
Script lines, plans and figures on this page are samples.
The value
Count the calls that come back on their own, and the desk they land on. Now put it next to what you get from whoever sells you calls today.
Here are our answers.
*Medians on our own floor, Sep 28 to Oct 21, 2026.
Current prices for warm transfers and every plan are on our pricing page.
When it’s a real conversation: the call runs past the 90-second buffer, or your agent gives the prospect a price. Inside the buffer, a call that ends for a reason in the rulebook is credited. A call that ends inside the buffer for no listed reason (your agent hangs up at 0:45 with nothing on the list, say) is billable.
Each warm transfer uses one prepaid call credit. When a call is credited, that credit returns to your balance for the same campaign, ready for the next transfer, and your desk shows it. Credits are not paid back as cash.
On our floor, the AI’s verdict landed a median of 24 seconds after the call ended, and nine in ten within 26 seconds. A verdict the AI isn’t sure of goes to a person instead.
The vendor’s. The buffer starts when the vendor transfers the call, a few seconds before it reaches you, so your desk timer starts at the same point. You and the vendor read the same seconds.
Yes. Appeal any AI verdict from the call in your call history, or dispute a charged call yourself with a reason, for up to 7 days. A person on the NextGen team reviews it..
Each campaign carries its own copy of the rules, so a rule can be switched on or off for one campaign without touching the others. The rules on this page are the ones we run; the exact list for your campaign is in the app.
Yes. We put our final expense script on your desk, and Script Walker™ walks it one click per answer. You can also use your own script, or import one from a document.
Only when you’re free: vendors check who’s available before they transfer, and a call prefers an agent licensed in the caller’s state.
Twenty minutes on the real desk: a warm transfer, its review, and an appeal.
