How FEXGorilla Pay-Per-Call Works

The short version

Our advertising partners run consumer ads for final expense coverage. When someone responds and dials in, our system routes the call to one FEXGorilla agent who has told us they're licensed in the caller's state and whose schedule matches. You pay only for billable calls.

Step by step

1. Sign up and add your licensed states. You can change them anytime, and routing updates right away.
2. Set your hours and verify your forwarding number. Calls forward to any US phone: cell, landline or VoIP dialer. No special equipment.
3. Fund your account. It's prepaid: $500 minimum first order, recharges from $250.
4. Take calls. Each one shows up in your portal with caller ID and routing details. Tag the outcome and book the follow-up.
5. Recharge or pause anytime. Pause delivery with the availability switch in your portal.

How fast calls start depends on license review, forwarding-number verification, funding, your states and schedule, and current consumer demand. The portal shows whether routing is active.

Underwriting help, before and during the call

Field underwriting guide (coming soon). When it's available, you'll type in the caller's conditions and medications, and every carrier we track comes back ranked, best fit first, with the rule that applies next to it. It will also flag medications that commonly affect underwriting. Based on the carrier guidelines we have on file, which can change. Always confirm with the carrier.

Live copilot (coming soon): underwriting help during the call. The live copilot isn't available yet. When offered, it's meant to show underwriting guidance on your screen during a call. You make the final recommendation to your client.

These tools aren't available yet. When offered, their guidance won't be a quote, advice or a guarantee of approval. Exact quotes come only from contracted carrier or approved quoting-vendor data.

When a call is billable

• CTV calls: billable once the call passes 30 seconds after it is answered.
• Meta Inbounds calls: billable once the call passes 90 seconds after it is answered. The billing window (buffer) starts when the call is answered, by you or your voicemail. Ring time before the answer doesn't count. If the call goes to your voicemail and passes the billing window, it is billable.
• Tip: be available during the hours you set, keep your schedule current, and use the pause switch in your portal when you're away, because voicemail past the billing window is billable.
• Calls under the billing window aren't billed. Missed and abandoned calls (the caller hangs up before the call is answered) are never billed. Technical failures are never billed.
• Price: $70 per billable call for CTV and $50 per billable call for Meta Inbounds, each charged only once the call passes its billing window.

Privacy

FEXGorilla does not record or transcribe calls. Our call-tracking provider keeps call details (arrival time, ring and answer status, connected duration and disconnect data) so we can route and bill calls.

Your responsibilities

An inbound call isn't a compliance certification. Licensing, carrier rules, DNC requests and follow-up permission are on you. Consult your compliance counsel.