Terms Of Service

WRITTEN sells life insurance leads to licensed insurance producers. You may open an account only if you are at least 18 years old and hold a current insurance producer license in at least one US State. The CRM and Dialer work in any State you are licensed in; WRITTEN leads are delivered only in the States where we sell them.

You are responsible for holding a valid license in every State you select. We do not verify your license. Leads delivered in a State where you are not licensed are not replaceable and not refundable.

An account is free. You do not need a plan to buy leads, and buying a pack does not start one.

We offer two monthly plans, priced on our Pricing page: the CRM, and the CRM with the Dialer. The Dialer is not sold on its own and requires the CRM. Neither is required to buy or receive a lead.

We also offer Agency, a monthly plan for the owner of an agency account, priced on our Pricing page. It is needed to invite agents, buy agency packs, route agency leads, and move them within the roster. A team leader the owner places over other agents may hold their own Agency plan, to buy packs for their own team and run it the same way; if theirs ends, only their team is paused, as described below. Other agents on the roster do not need it. If it ends, the agency is paused: no agency leads are routed and no agency packs can be bought until it is renewed, and delivery of any unfilled agency pack resumes when it is. Agency leads, unused agency leads, and the roster are kept while it is paused. An owner who closes the agency instead has its unused leads moved to their own account. Unused agency leads are never refunded because the plan ended.

An agency owner, or a team leader for their own team, may cover an agent's CRM or CRM with the Dialer. Whoever covers it pays the plan at the price on our Pricing page and, for the Dialer, all of that agent's phone usage at cost while they cover it, billed monthly in arrears to their payment method, final partial month included. They may set that agent's monthly usage limit. Coverage they stop, or that ends because either of them leaves the agency or closes their account, runs to the end of the month already paid for and is not refunded. The agent may then continue the same plan on their own payment method; if they do not, it ends as if canceled.

A plan renews monthly until you cancel. You may cancel at any time. Cancellation takes effect at the end of the month you have already paid for. There is no partial refund for the remainder of that month, and no further plan charge after it.

The Dialer charges phone usage separately from the plan: the calls you make, the calls leads return to you, the texts you send, and the numbers held for you are billed at what the phone network charges us, and call recording, with its transcripts, summaries, and coaching, at what it costs us, all with no markup. Usage is billed monthly after the fact, so a month of calls appears on the following month’s invoice, and what you have used so far is shown in your account at all times. If your plan ends, the usage from your final month is invoiced once that month closes.

After a plan ends, the leads, clients, and policy records in your account stay readable and exportable. You will not be able to add to them or change them until you start a plan again.

A plan includes the tools described on our Pricing page as they exist at the time. We may add, change, or remove features. If we remove something you are paying for, you may cancel.

Leads you have already paid for are delivered until your pack is filled, whether or not you hold a plan. Unused leads do not expire.

Leads are sold in packs, paid in full before delivery. Current prices are shown on the Pricing page. Packs are not refundable. Delivery continues until the pack is filled.

Each pack is for one lead type, which you choose when you buy it. Its leads are delivered only as leads of that type, and unused leads from one type cannot be used for another.

We may change prices. A price change takes effect at your next renewal or your next purchase, and we will give you at least 30 days' notice by email.

You may put a lead type on Weekly Leads when you buy a pack, or later from your Packs page. Each week we charge your card on file for the number of leads you chose: at the lead type's full price for your first 4 paid weeks, then at the lower weekly price shown on our Pricing page for as long as you stay on Weekly Leads. If you turn it on when you buy a pack, that pack is your first paid week. Each weekly charge buys a pack, and section 3 applies to it, including that it is not refundable.

If you have more than 2 weeks' worth of that lead type still unused when a week is due, we skip that week and do not charge you. A skipped week does not count as a paid week, and it does not start your price over.

You may change or stop Weekly Leads at any time from your Packs page. Once you stop, no further week is charged, and leads you have already paid for are still delivered. If you stop, or a weekly payment is declined, your price starts over at the full price when you go weekly again or turn it back on.

If the price of that lead type goes up, or the Agent Agreement changes, we pause Weekly Leads rather than charge you on new terms. Nothing more is charged until you review the change and turn it back on. Closing your account stops Weekly Leads the same day.

Each lead we sell you is exclusive: it goes to one agent, and we do not resell it.

Each lead is screened before delivery. What we check is described on our How It Works page.

A lead may be held on standby for up to 72 hours before it is sent to you. Where a lead was held, the submission time is shown to you.

We do not promise that a lead will answer the phone, that they will still want coverage, that they will qualify for a policy, or that you will make a sale. Nothing on our website, in any marketing, or in any conversation with us is a guarantee of results.

Leads are people. They change their minds, screen calls, and buy from someone else. That risk is yours.

If a lead does not match what we sold, we replace it under our Replacement Policy, which forms part of these terms.

Replacements are a lead of the same type back in your pack, not cash refunds. Requests must be made within 72 hours of delivery and must meet the grounds and evidence set out in that policy.

A lead is sold to you, for your own use, to offer insurance to that person.

You may not resell, share, trade, syndicate, or transfer a lead outside your WRITTEN account, including to another agent, another agency, or another lead buyer. You may not load leads into a dialer or CRM that anyone outside your account can work.

An agency account is the one exception. An agency owner may buy leads for the agency, have them delivered to agents on its roster, and see and move them within the roster, under the agency accounts terms of the Agent Agreement. The agency owner is responsible for every agent on the roster, and each agent remains responsible for their own conduct.

Where more than one person works under a single WRITTEN account, each of them is “you” for the purposes of these terms, and the account holder is responsible for what each of them does with a lead.

If a consumer asks not to be contacted, you must stop contacting them and mark the lead Do Not Contact in your account.

You are responsible for your own compliance with the Telephone Consumer Protection Act, State calling and do-not-call rules, and any rule that applies to how you sell insurance.

Breaching this section ends your account immediately, without refund.

Payments are processed by Stripe. We do not receive or store your card number.

You authorize us to charge your payment method for your monthly plan, for any pack you buy, for each week of Weekly Leads under section 3A, and for phone usage billed under section 2, including usage from your final month after a plan ends. If a payment fails, we may suspend your account until it succeeds.

We may suspend or close your account if you breach these terms, if a payment fails, if we reasonably believe you are reselling leads, or if we reasonably believe your use puts consumers or WRITTEN at risk.

If we close your account for breach, unused leads are forfeited. If we close it for any other reason, we will refund unused leads at the price you paid.

You may close your account at any time from your Profile. Closing your account ends any plans that day, with no refund for the remainder of the period, and any unused leads are forfeited.

Notes, dispositions, callbacks, and sale records you enter stay yours. You give us permission to store and process them to run the service.

Everything else on WRITTEN is ours: the software, the brand, and the site. Using the service does not give you any right to it.

To the fullest extent the law allows:

We are not liable for lost profits, lost sales, lost commissions, lost data, or any indirect or consequential loss.

Our total liability to you for any claim is limited to the amount you paid WRITTEN in the three months before the claim arose.

Nothing here limits liability that cannot be limited by law.

You will indemnify WRITTEN against any claim, penalty, or cost arising from how you contacted a consumer, from your licensing, or from your breach of these terms. This includes claims under the Telephone Consumer Protection Act and State calling rules.

Any dispute between you and WRITTEN will be resolved by binding arbitration on an individual basis, administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Texas.

You and WRITTEN both waive any right to a jury trial and to bring or join a class action.

Either of us may still bring an individual claim in small claims court.

These terms are governed by the law of Texas, without regard to its conflict of laws rules.

We may change these terms. If a change is material we will give you at least 30 days' notice by email before it takes effect. Continuing to use WRITTEN after that means you accept the change.