Link Leads Blog · September 3, 2026

Opted-in health insurance leads: what the opt-in actually covers before you buy

Most of what Link Leads sells is aged data with no consent claim attached. One product line breaks that pattern — the consumer actually filled out a form. Here's exactly what that opt-in does and doesn't cover, what the two batches cost, and what still needs a scrub before you dial.

What "opted-in" means here — and what it doesn't

The SMS and email pools that make up most of the Link Leads catalog are aged consumer data: demographic and contact records that never carried a consent claim in the first place, priced as bulk data and sold with the DNC-scrub responsibility resting entirely on the buyer. The opted-in health leads are the one line that breaks that pattern. Every record started as a real person filling out a health-insurance inquiry form with a third-party source, and the date they did it is stamped on the record.

Read the qualifier exactly as written, because it's doing real work: that consent was given to whoever collected the lead — not to Link Leads, and not to you as the buyer — and consent ages. A form filled out in April 2025 doesn't carry the same weight in September 2026 that it did the week it was submitted. Practically, that means an opted-in record still isn't a green light to auto-dial, and it still isn't DNC-scrubbed. Both of those get their own section below.

The two batches, side by side

Both batches carry a phone number and an email address on every record — the only lines in the catalog that carry both. That's also why the free sample masks both columns instead of one: an unmasked sample of this line would just be 100 fully contactable leads for nothing.

The date on the record isn't a marketing claim

The opt-in date range shown for each batch is pulled straight from the real minimum and maximum dates in the file — trimmed to the 1st–99th percentile so one mistyped date can't make a batch look fresher than it is — not a hand-typed number someone updates when they remember to. Drop a newer export in and the range updates itself. Worth knowing if you're comparing this line against a vendor who just prints "fresh leads" on the page: ask what the freshness claim is actually computed from.

The opt-in doesn't clear you to auto-dial

The FCC treats AI-voice outbound calling as an artificial/prerecorded-voice robocall, which requires prior express written consent — a higher bar than a health-form opt-in given to a third party months or a year ago. That's exactly why Link Leads' own AI voice agent add-on won't build an outbound campaign without the buyer certifying that consent directly, and aged or third-party-collected data doesn't qualify — the opted-in health batches included. Manual dialing sits under a different, lower TCPA bar than AI-voice robocalling, but where exactly that line sits for a specific list and script is a question for your own counsel, not a claim this post or the product page makes for you.

The aged batch still needs a DNC scrub before you call

Neither health batch is scrubbed against the National or State Do-Not-Call registries — the same rule that applies to every other list Link Leads sells applies here too, opt-in or not. Run either file through a DNC and phone-type check before it hits a dialer. Landline Remover (an affiliate link — we may earn a commission if you sign up) strips landlines and DNC-registered numbers from a CSV in one pass, and it matters more on this line than on the $0.012 aged pool: at $1–$5 a lead, a record you can't legally call is a more expensive record to waste. The full walkthrough is in how to DNC scrub an aged lead list.

Picking a batch: recent vs. aged

The recent batch is the smaller, pricier, higher-intent pull — no age filter, 29 states, capped at 1,000 leads a buy, opted in the most recently of anything in the catalog. It fits an agent who wants a short, focused list to work hard rather than a volume campaign. The aged batch is the deeper pool: 30 states, an age field you can filter by (useful if you're pairing it with an age-targeted vertical like mortgage protection or term life), and a price that drops as the order grows. Order 1,000 from the aged batch and the discount brings it to $975; order the full 5,000 and it's $4,375 instead of $5,000. At that volume it's still more than the $0.012 aged SMS pool per lead, but it's the only line in the catalog carrying an actual form opt-in and an email address alongside the phone number.

Not legal advice

This post explains what the product page and the order confirmation already state — it isn't legal advice. TCPA, CAN-SPAM, and state-level telemarketing rules are specific to your state, your channel, and your script; confirm your dialing and texting plan with counsel before you scale a campaign on either batch.

See the columns before you buy

Pull a free 100-row sample to see exactly what's on a record before you commit — no card, no signup. Both health batches sit inside the same order builder once you're logged in, on their own tab, separate from the SMS and email pickers.

These consumers opted in to a third-party health-insurance form on the date shown on each record. That consent was given to the original source, not to Link Leads or the buyer, and it ages. These leads are not DNC-scrubbed — buyers are responsible for DNC scrubbing and all dialing/texting compliance before contacting anyone on the list.