01
They call in
Inbound FEX & SIUL interest. No cold dialing, no shared lead lists, no chasing voicemails.
How XVLT works
From ring to close.
Then run the math.
Inbound transfers, live quoting, prepaid spend. See how the model works, then type your numbers into the ROI calculator.
The flow
How every transfer works.
02
Intake confirms premium
Caller verifies age, intent, and monthly budget before the bridge. You pick up mid-conversation.
03
Quote in the cockpit
One click. We run the full rate math across matching carriers and drop Bronze / Silver / Gold on screen while they're still on the line.
04
Close & disposition
Script, softphone, and pipeline stay on the same screen. Pay only for connected transfers.
Why it converts
Built for closers.
Exclusive inbound
Routed to you. Not resold, not shared, not aged.
Premium intent first
They already said yes to a monthly payment before you answer.
Zero-tab close
Softphone, quoter, script, and pipeline in one cockpit.
Prepaid, pause anytime
Fund a balance. Connected transfers only. No contracts.
TCPA locked in
Consent and compliance verified on the intake before you're bridged.
Rate math on the line
Bronze / Silver / Gold across carriers while they're still talking.
ROI
See what you can make.
ROI calculator
Type your numbers.
Cost, volume, close rate, commission. Live on the left.
~1.0 closes/daysteady volume · prepaid · no contracts
FAQ
Common questions.
Licensed life insurance producers with active state appointments. We verify licensing and appointments during onboarding before transfers are enabled.
Pre-fund a transfer balance and pay only for connected transfers. Published buffers are 10s Standard, 30s Verified, and 105s Elite. Hangups under the buffer are not billed as connected transfers. Wallet credits are prepaid and not withdrawable.
Final expense and SIUL, priced live while the caller is still on the line. Carrier inventory includes the majors producers close every day, including Americo, Mutual of Omaha, and Transamerica.
No. Consumers call in directly. You are not buying shared leads or competing with other agents for the same prospect.
Yes. You have a 7-day window to dispute any transfer. Valid disputes are reviewed and credited back to your balance.
Share your unique link from the cockpit. A referred producer qualifies after $300 in genuine card top-ups and one completed billable transfer. You then earn 10% of your next card top-up, capped at $100, credited to your wallet within 30 days. Dispute, promo, and referral credits do not count. Rewards cannot be cashed out.
Every transfer is consumer-initiated and inbound. Callers confirm they understand there is a monthly premium on intake before they are bridged to a licensed producer.
No long-term contracts. You pre-fund what you need and pay per connected transfer. Pause or stop whenever you want.
Softphone, live prospect context, FEX/SIUL quoter, guided script, pipeline, and disposition. One zero-tab cockpit so you never leave the call to close.
Yes. Cockpit access is available on a flat monthly subscription without inbound routing: quoter, script, and pipeline for producers working their own book.