Lead Credit Policy

Lead Credit Policy – 2026
Office Allies

1. Purpose

This Lead Credit Policy outlines the circumstances under which a lead may qualify for credit.

Office Allies provides exclusive life insurance appointment leads generated through outbound telemarketing campaigns. Each appointment lead includes a recorded qualification call and a scheduled callback time with a licensed insurance specialist.

All credit requests will be evaluated based on the recorded conversation with the prospect.

2. Credit Request Window

All credit requests must be submitted within 48 hours of lead delivery.

Requests submitted after this period will not be eligible for review.

Credit requests must include:

1. Lead name
2. Phone number
3. Reason for the credit request

Incomplete submissions may be declined.

3. Lead Qualification Criteria

A lead is considered valid when the prospect confirms the following during the recorded call:

1. Age between 30 and 80
2. Located within an approved U.S. state
3. Confirms they make their own financial decisions
4. Confirms they have an active checking or savings account
5. Confirms they are not currently in a nursing home or long-term care facility
6. Expresses interest in learning about life insurance or financial protection options
7. Agrees to receive a scheduled call from a licensed insurance specialist

When these criteria are confirmed on the call recording, the lead will be considered valid.

4. Eligible Credit Scenarios

A lead may qualify for credit only under the following conditions:

Duplicate Lead: The same lead is delivered more than once to the same client within 90 days.

Invalid Phone Number: The phone number is disconnected, not in service, or invalid.

Age Outside Approved Range: The prospect confirms they are under 30 or over 80 years old.

Nursing Home Status: The prospect clearly states they are currently living in a nursing home or long-term care facility.

No Bank Account: The prospect clearly states during the recorded call that they do not have an active checking or savings account.

5. Non-Credit Scenarios

The following situations do not qualify for credit:

1. Prospect states they are not interested
2. Prospect hangs up during the agent call
3. Prospect does not remember the previous call
4. Prospect states they already have coverage
5. Prospect decides not to move forward after speaking with the licensed agent
6. Prospect refuses to provide additional information to the agent
7. Family member interrupts or objects to the call
8. Prospect requests removal from future calls

Outbound telemarketing campaigns involve cold outreach, therefore consumer recall of the original conversation cannot be guaranteed and does not qualify for a credit.

6. Cognitive Impairment / Dementia Claims

Credit requests based on claims that the prospect suffers from dementia, memory loss, or cognitive impairment will only be considered if the condition is clearly stated during the recorded qualification call.

If the recording confirms the prospect:

1. responded coherently to questions
2. confirmed qualification criteria
3. expressed interest in speaking with a licensed specialist

the lead will be considered valid and not eligible for credit.

7. Call Recording Verification

All appointment leads include a recorded qualification call.

The call recording will serve as the primary evidence when evaluating credit requests.

If the recording confirms that the prospect:

1. answered qualification questions
2. expressed interest in coverage options
3. agreed to receive a scheduled call from a licensed insurance specialist

the lead will be considered valid and non-creditable.

Prospect attendance or availability at the scheduled callback time cannot be guaranteed and does not qualify a lead for credit.

8. Credit Application

Approved credits will be applied to the client account and may be used toward future lead purchases.

Credits will not be issued as cash refunds.

9. Credit Abuse Protection

Accounts submitting credit requests exceeding 20% of delivered leads may be subject to review.

Office Allies reserves the right to suspend or terminate service in cases of excessive or abusive credit requests.

10. Final Determination

Office Allies reserves the sole right to determine the validity of all credit requests based on call recordings and qualification confirmation.