Final expense dialer for telesales agencies

A same-day web lead, a 90-day-old list, a callback the prospect asked for and a returned mail card each need a different pace. In EmberDial the dial mode is a campaign setting, so give each lead type its own campaign; a due callback returns to the campaign it came from.

• Power dials one line per free agent plus one, so an idle agent rings two lines at once, never more than the campaign's line cap ("Leads per batch", 3 by default in the campaign form). A cap of 1 dials one lead at a time.
• Predictive starts at two lines per agent and adds at most one line per new call outcome, using a cautious, high-side estimate of the recent pickup rate. It holds at two lines for the first 20 outcomes of each dialing session and never exceeds the campaign's "Max ratio" (3 by default in the form) or eight lines.
• Click-to-call places one call when the agent dials it from the dialpad, outside the campaign queue.

For each dial, EmberDial picks a caller ID from your agency's pool: a number with the lead's area code, then one from the same state as that area code, then one from the same Census region, then any active number, using the least recently used number at each step. It never uses another agency's numbers. If none of your numbers is eligible, for example because all of them are flagged or resting, the call goes out from EmberDial's shared default caller ID instead. FCC rules require telemarketers to transmit caller ID with a number that can take do-not-call requests (47 CFR 64.1601(e)).

By default EmberDial rotates to your other numbers once a number has placed 60 calls in a day (counted from midnight UTC), so five licenses (50 numbers) cover about 3,000 dials a day before any number passes 60.

The pool shows each number as Healthy, Watch or Flagged, based on its status and the low, medium or high spam-risk rating from EmberDial's carrier, Telnyx. A high rating takes the number out of rotation. A medium rating, or no check in the last seven days, shows Watch. You can check a number on demand from the number drawer (once an hour per number), and from there rest it, request a reputation review, or retire it and ask the EmberDial team for a replacement number.

EmberDial can't remove a "Spam Likely" label; carriers and their analytics partners decide. Free Caller Registry lets you register numbers at no cost with Hiya, First Orion and TNS, analytics providers that support the major US wireless carriers (Hiya). See number reputation and the Spam Likely guide.

When an agent picks the callback outcome, EmberDial books the date and time in the lead's local time zone, and the callback shows up in "My callbacks today" on the dialer. When it is due, EmberDial puts the lead back into its campaign so the next free agent dials it. Before the redial, the last call's notes, transcript and summary are in call history (when the call was recorded and transcribed), so "call Thursday after she talks to her son" doesn't depend on memory. Missed calls to your local numbers offer a return call where your setup supports it (callback workflow).

Default re-dial waits are 30 minutes after busy, 4 hours after no answer, 1 day after voicemail and 30 days after "not interested", and owners can change them. "Do not call" and "Wrong number" outcomes add the number to your internal DNC list.

Map a vendor column on CSV import (EmberDial recognizes headers such as vendor, supplier and provider), with optional lead cost and list name. EmberDial scores each vendor from 0 to 100 using your team's calling outcomes with its leads: the score rises with callbacks, appointments, transfers and sale outcomes, and falls with wrong numbers and DNC requests. When you import a vendor's next file, the import screen shows that vendor's score for your team over the last 90 days, and the manager dashboard can flag your weakest vendor.

The score weights a sale outcome most and counts a transfer the same as a booked appointment, so leads that transfer well can score high before any policy is placed. Read it as a calling-activity score, not a sales score, and judge vendors on placed policies too.

Practice Mode includes a final expense persona, Margaret: 67, a retired schoolteacher on a fixed income who filled in an online form three weeks ago and barely remembers it. She raises "I already have life insurance," "My kids handle that kind of thing" and "How much is this going to cost me?" She warms up when the agent mentions the form and hangs up on pushiness, long monologues or early requests for sensitive details. The recap scores the call and lists objections handled or missed. Practice Mode is offered separately; ask about pricing in your demo.

Agent Assist & coaching (optional, $49 per enabled license per month) follows the live call and suggests what to say next, using a final expense call flow and, if you upload one, your own playbook. On final expense calls it tracks the stage (needs, budget, health questions, application) and flags objections such as price, "I need to talk to my spouse," "I already have coverage" and "How did you get my information?" It never speaks on the call. Each enabled license includes 3,000 assisted minutes a month, pooled across enabled licenses and without rollover, and extra 1,000-minute packs cost $15. Managers can also listen in on live calls from the browser.

State exemptions for insurance agents. Florida exempts licensed insurance agents from most of its telemarketing act, but expressly not from the hours and three-call limits in 501.616(6) (Fla. Stat. 501.604). Oklahoma's 2022 act, as enacted, exempts licensed insurance agents soliciting within the scope of their license (15 O.S. 775C.5). EmberDial applies its Oklahoma cap regardless, so ask counsel whether the exemption covers your calls.

One-to-one consent. The FCC's 2023 rule limiting written consent to one seller at a time never took effect. The Eleventh Circuit vacated it on January 24, 2025 (Insurance Marketing Coalition v. FCC), and the FCC has since removed it (Womble Bond Dickinson).

More: compliance tooling and our ATDS position.

Assume five agents calling at once (five concurrent licenses), each license averaging 5,000 connected minutes a month, about 3.8 connected hours a day over 22 calling days. Connected minutes are answered call time, including calls answered by voicemail; ringing and practice don't count.

Five Agent Assist licenses include 15,000 pooled assisted minutes a month. With guidance on all 25,000 connected minutes in this example, the rest take 10 prepaid 1,000-minute packs at $15 each.

These figures use the rates published on our pricing page. Totals exclude extra numbers ($1 each a month), a CRM connection ($499 one time, included for teams of 10 or more licenses), taxes and separately confirmed surcharges. A warm transfer to an outside number adds a second answered leg that also counts. Licenses cover simultaneous callers, so seven agents on two shifts, five calling at once, need five licenses. Try other numbers in the dialer cost calculator.

• Fronter-to-closer floors. EmberDial warm-transfers to a named, idle teammate or to a phone number. There's no closer queue that routes each transfer to the next free closer. Transfer-heavy floors fit better on a dialer with queue-based transfer routing.
• Medicare Advantage and Part D calls. CMS requires third-party marketing organizations to record marketing and sales calls in full, keep them at least six years and use the TPMO disclaimer (42 CFR 422.2274(g)(2); 42 CFR 423.2274(g)(2)). EmberDial has no TPMO disclaimer tooling and keeps recordings 24 months by default.
• CRM sync. Leads arrive by CSV import with field mapping. A connection to your CRM is set up on request during onboarding.
• Voicemail drop. Coming soon, for leads with approved consent evidence.
• Very high-ratio predictive. Predictive tops out at eight lines per agent and starts cautiously, by design.