A Predictable Pipeline for Independent Insurance Agents.
We run paid ad campaigns built specifically for independent insurance agents — so you’ve got booked calls coming in consistently, not just when referrals happen to land.
Referrals built your book. They won't scale it.
You've built a solid book of business. But growth has stalled — and you can't control when the next referral lands.
Every agent has a busy season. Most don't have a plan for the other nine months.
Your pipeline fills up once a year. Then the phone goes quiet and you're back to waiting on referrals.
Referrals you can't predict or scale
Great when they come in. But you have no lever to pull when the phone goes quiet. You're at the mercy of other people's timelines.
You've tried ads — got junk
Leads who don't answer. Forms filled by people who aren't serious. You spent money and got nothing worth talking to.
The problem isn't paid advertising. The problem is that nobody built those campaigns specifically for independent insurance agents.
From referral roulette to a pipeline you can plan around
- ❌ Great in busy season, quiet the rest of the year
- ❌ You don't control how many people you talk to
- ❌ Ads in the past delivered time-wasters
- ❌ No idea what next month's pipeline looks like
- ❌ Referrals are free — but you have no lever when they dry up
- ✅ Booked calls in your calendar every week, year-round
- ✅ You set the pace — scale up or down on your terms
- ✅ Prospects pre-qualified before they reach your calendar
- ✅ Know your cost per booked call and policy every month
- ✅ Paid ads stack on top of referrals — not instead of them
Not leads. Booked calls from people who want to talk.
Everything built around your commission economics, your close rate, and your capacity.
Booked calls — not leads on a spreadsheet
Prospects book directly into your calendar with pre-call qualifying questions already answered. You show up knowing they're genuinely interested and ready to talk. No chasing.
Year-round pipeline, not just busy season
Your busy season is a fraction of the year. Your business should run all 12 months. We build campaigns that generate qualified inquiries consistently — not just when the market naturally spikes.
Real numbers you can model
We show you exactly what you're paying per booked call, attended call, and policy written. You'll know your cost per policy before you scale. No guesswork, no vanity metrics.
Campaigns built around your close rate
If you're closing 50–70% of attended calls (like most insurance agents we work with), the math works. We set spend based on your capacity — not to generate volume for its own sake.
768 booked calls. 1 Medicare agent. 4 months.
This is what it looks like when the campaign is built for the insurance market — not adapted from a generic template.
Medicare Joe — Independent Medicare Advisor
Campaign: November 2024 → February 2025 (4 months)
Generate high-quality leads for an independent Medicare agent while keeping cost per acquisition low as spend scaled. The agent was highly referral-dependent with no active paid acquisition channel.
Strategy: audience research to refine messaging and landing page design for the 64–70 age bracket. Multi-step qualifying forms to filter non-qualified inquiries before they reached the calendar. Performance data fed back to Meta to improve lead quality as spend scaled.
4.6 out of 5. 22 reviews. All unprompted.
After mixed experiences with other agencies, Fluid helped us find our groove. They give us instant oversight across our advertising and sales, and are always proactive in resolving issues. A big thank you for all your help.
Since working together we've seen a major increase in inquiries and new leads. Even better, our cost per lead has consistently decreased over time and continues to improve. Fluid DM truly knows what they're doing. Highly recommended.
Working with Fluid for a year and love it. From day one they were invested in learning the brand and category to give us the best results. Very attentive and reactive, always happy to help wherever needed. Couldn't recommend them more.
Cannot recommend Fluid enough. Lewis, Rob and Amelia are quick, knowledgeable and creative, full of ideas and very open to feedback. They're not just experts in digital marketing — they genuinely go above and beyond to make our accounts successful.
A pleasure to work with — great communication, swift at making changes. We'd mostly relied on referrals before. Leads started coming in from day one and we've achieved consistent results. Everyone we've dealt with is attentive and knowledgeable.
Lewis and his team are thorough, professional and skilled. They took a challenging campaign and worked magic to get us excellent results. I highly recommend their marketing services.
What does adding 25 new policies a month actually look like?
These are indicative figures based on a typical starting budget of $3–4k/month ad spend and a 50–60% close rate. Your actual numbers depend on your line of business, market, and commission structure.
This isn't replacing your referral pipeline. It fills the gaps when referrals go quiet — and compounds when they're flowing. We'll validate your specific model on the call.
From strategy to booked calls in under 4 weeks
Strategy
Audience research, messaging, commission economics — built around your specific market.
Build
Landing page, qualifying forms, calendar integration, tracking — before we spend a dollar.
Launch
Go live. First booked calls typically within 10–14 days.
Optimize
Weekly test matrix. Scale only when CPA holds.
Scale
Once CPA is consistent, we grow on your terms.
How we're different from every ads agency you've tried
| What matters to you | Generic Digital Agency | Fluid DM |
|---|---|---|
| Know the insurance market? | ✗General service business experience | ✓Insurance-specific campaigns running now |
| What they deliver | ✗Leads on a spreadsheet — you chase them | ✓Booked calls in your calendar |
| Lead quality control | ✗Basic form submissions, no filter | ✓Multi-step qualifying before they reach you |
| Reporting | ✗Impressions, clicks, reach | ✓Booked → attended → policy tracked |
| Scaling approach | ✗More spend = more leads (quality drops) | ✓Scale only when CPA holds |
| Commission economics? | ✗They talk clicks and impressions | ✓Campaign built around your policy LTV |
| Year-round pipeline? | ✗No off-season or product-specific thinking | ✓Built around your line of business and market cycle |
Questions we get from every insurance agent before they book
Most insurance agents have. The problem is almost always the landing page and qualification process — not the platform. We use multi-step forms with specific qualifying questions that filter out people who aren't genuinely in-market. Only qualified prospects hit your calendar.
Referrals are the best leads you'll ever get. But they're not predictable and they don't scale. The question isn't whether paid ads beat referrals. The question is whether adding $4–8k/month in new commissions during the months your referral pipeline goes quiet is worth a $5–6k investment. We'll walk you through the numbers on the call.
That's exactly where the biggest opportunity is. Most agents go quiet outside of their busy season and rely on referrals to fill the gap. We build campaigns specifically designed to generate qualified inquiries year-round — so your pipeline doesn't rise and fall with the market calendar. Off-season is actually where paid ads deliver the most relative value, because most of your competition has gone quiet too.
We typically start at $3k/month in ad spend. Below that, there's not enough data to test and optimize properly. Most clients move to $4–5k once the first results come in.
First booked calls typically come in within 10–14 days of launch. Full optimization takes 4–6 weeks. Medicare Joe had his first booked calls in week one. Most clients see their best results by month 3.
No. Most of our clients are solo agents or small shops. The system routes qualified prospects straight to your calendar with automated confirmations and reminders. You just show up to the call.
Let's see if the numbers make sense for your setup.
30 minutes. We'll look at your current commission income, your growth target, and show you what a paid campaign could add on top of your referral income — in real numbers.
