1
Intake
State the vertical, cap, states, and delivery standard. The desk prices what you can actually receive.
Advertiser side
Order lead and call delivery.
DTC carriers, IMOs, FMOs, and performance buyers start on the offer board. Pick a lane, set cap, geo, delivery method, compliance posture, and billing terms, then submit the order ticket.
Review window 48 hours Delivery Post, transfer, batch Advertiser status Desk approval
7 offer classes
7 ways to buy.
The public board shows the lane and posted economics. Advertiser pricing, delivery volume, and margin clear after approval.
| Lead type | Vertical | Delivery | Pricing |
|---|---|---|---|
| FE transfer | Final Expense | Live transfer | Posted payout $30 |
| U65 realtime lead | Under 65 Health | Exclusive / shared server post | Posted payout $5-$42 |
| U65 aged data | Under 65 Health | Batch file | Posted payout $0.75 |
| Inbound call | Auto, Tax | Tracked inbound | Posted payout $45-$50 |
| Warm transfer | Debt, Medicare | Live transfer | Posted payout $30-$35 |
| ACA conversion | ACA | Daily conversion file | Posted payout $60 CPA |
| Booked appointment | Annuity | Calendar appointment | Posted payout $300 |
| IUL form | IUL / Term | Server post | Posted payout $100 |
4 desk steps
4 steps to delivery.
Order, approval, integration, and launch happen in order. Heritage does not release volume before the advertiser file clears.
2
Approval
Heritage clears entity details, payment terms, and route logic before a buyer sees live supply.
3
Integration
Post URLs, call transfer rules, and suppression conditions are checked against the live lane.
4
Live delivery
Approved buyers receive volume only inside the terms, states, and hours already signed off.
3 compliance marks
3 rules stay fixed.
TCPA posture, Sub-ID visibility, and recording standards are desk terms, not sales copy.
| TCPA | Consent language and call timing are reviewed before a lane opens. |
|---|---|
| Sub-ID | Source and placement IDs travel with the record so disputes clear against evidence. |
| Recording | Call lanes require recording retention and retrieval standards before transfers go live. |
Buyer access
Start with an offer.
Advertiser signup happens inside the offer checkout. Pick the lane, configure the order, then submit for desk review.