XLeads | Overqualified Leads for NZ Advisors

For Licensed NZ Advisors Only

Stop Buying Leads That Waste Your Time

You know the drill. Another $150 "lead" who never answers. Or worse—someone who was never actually interested.

There's a reason most lead companies disappoint advisors. And it's not what you think.

12+
Qualifying questions
$50K+
Income verified
1:1
Exclusive to you

2-minute quiz. No credit card. No commitment.

What a real XLeads lead looks like

New Lead — Insurance
Platinum Tier
Name Sarah Mitchell
Phone (verified) 021 •••• ••••
Email (verified) sarah.m@••••.co.nz
Age Group 31-40
Household Income $150K - $200K
Coverage Interest Life + Income Protection
Weekly Budget $75 - $100
Health Pre-screen No issues flagged âś“
Family Savings Runway
1-3 months
Current Coverage
Health only (gap)
Best Contact Time
Evenings after 6pm

This is what happens when leads are qualified by someone who's actually worked as an advisor. You get the intel you need to close—before you pick up the phone.

The Real Problem

Most Lead Companies Don't Understand Your Business

Here's what happens with most lead providers:

You pay $80-150 for a "lead." You call them. No answer.

You try again. And again. Maybe on day three they pick up—and have no idea why you're calling.

"Insurance? I don't remember filling anything out..."

Or worse: they do remember, but they earn $45K a year, have three pre-existing conditions, and just wanted "to see what was out there."

That's not a lead. That's a waste of your time.

The Real Cost of Bad Leads

→ 10 leads at $100 each = $1,000
→ 3 actually answer = $333 per contact
→ 1 is actually qualified = $1,000 per real lead
+ Hours of chasing, frustration, and lost opportunities

Why does this keep happening?

Because the people selling you leads have never been advisors themselves. They don't know what questions to ask. They don't know what actually makes a lead valuable to you.

They're optimizing for volume, not quality. More leads sold = more money for them.

Your conversion rate? That's your problem.

Sound Familiar?

"Lead" doesn't answer

You call. You text. You email. Nothing. The phone number was probably fake to begin with.

"What insurance?"

They have no idea why you're calling. They were probably just trying to win a prize or complete a survey.

Can't afford coverage

Finally, a real conversation—but they earn $40K and want the cheapest possible option. Not worth your time.

Shared with 5 others

By the time you call, they've already spoken to three other advisors. You're just another voice in the crowd.

Uninsurable

Serious health conditions that weren't screened. You spend 30 minutes only to find out they can't get cover.

"Just shopping around"

No real intent. They were curious, not committed. You're educating tire-kickers instead of closing deals.

What if leads were qualified by someone who'd actually worked as an advisor?

Someone who knows exactly what makes a lead worth your time?

Cameron - Founder of XLeads, former insurance and mortgage broker

Why XLeads Is Different

Built by an Advisor, For Advisors

I spent years as a licensed insurance and mortgage broker in New Zealand. I know what it's like to chase leads that go nowhere. To pay good money for "prospects" who were never actually interested.

I bought leads from all the usual providers. And I was constantly frustrated.

The problem wasn't just bad data. It was that the people selling leads didn't understand our business. They didn't know what questions to ask. They didn't know what actually makes a lead worth calling.

So I built what I wished existed.

What makes XLeads different:

The questionnaire — I wrote every question based on what I needed to know before calling a prospect. Income. Health pre-screening. Budget. Coverage gaps. Real intent.

The marketing — We attract people who are actively thinking about their protection, not sweepstakes hunters or freebie seekers.

The client communication — After they complete our quiz, we set the right expectation: "A licensed advisor will call you." No surprises. No confusion.

The exclusivity — Your lead is your lead. Not shared with 5 other advisors who call them before you can.

Everything we do is designed with one question in mind:
"Would this make life easier for the advisor?"

Because I've been in your shoes. And I know what you actually need.

— Cameron, Founder

How We Qualify Leads

Overqualified by Design

Every lead goes through a 12+ question qualification process designed by a former broker. Here's exactly what we screen for:

Insurance Lead Qualification

  • Income Verification

    Household income $50K+ required. We ask specific brackets so you know their capacity.

  • Age Screening

    Under 65 only. You get the exact age bracket for premium estimates.

  • Health Pre-Screen

    We filter out cancer, heart attack, stroke, and diabetes disclosures upfront. No more 30-minute calls that end with "Sorry, you're uninsurable."

  • Current Coverage Check

    We capture what they have (life, trauma, income protection, health) so you can spot the gaps immediately.

  • Budget Willingness

    Weekly premium budget captured: $25-50, $50-75, $75-100, $100+. You'll know if they're a platinum or standard opportunity.

  • Family Savings Runway

    How long could they last on savings if they couldn't work? Creates urgency context for your call.

Mortgage Lead Qualification

  • Property Value

    Current home value (for refinance) or target purchase price. You'll know the deal size before calling.

  • Deposit Position

    How much they have, where it's coming from (KiwiSaver, savings, equity, gift). Instant LVR picture.

  • Household Income

    Combined income with specific brackets. Quick serviceability assessment before the call.

  • Current Lender & Rate

    For refinance leads: who they're with now and what rate they're on. You'll know exactly what to beat.

  • Existing Debt

    Personal loans, credit cards, car finance. No surprises when you run the numbers.

  • Intent & Motivation

    What they're trying to achieve: lower rate, better structure, cashback, investment property. Talk to what matters to them.

We Reject Leads So You Don't Have To

If someone doesn't meet our qualification criteria, we don't sell them to you. Low income? Filtered. Serious health issues? Filtered. No real intent? Filtered.

We'd rather send you fewer, better leads than waste your time with volume plays.

The Result?

When you call an XLeads lead, you're not starting from zero. You already know their situation, their budget, and their intent. You're starting from ten.

Choose Your Lead Type

Insurance or Mortgage. We've Got Both Covered.

Same depth of qualification. Same commitment to quality. Different products.

High demand

Insurance Leads

Life, trauma, income protection, and health insurance prospects. Pre-screened for income, health, and budget.

Income bracket verified ($50K+ only)
Health pre-screened (major conditions filtered)
Weekly premium budget captured
Coverage gaps identified
Exclusive to you (never shared)

Lead Tiers

Platinum ($200K+ income)
Gold ($150K-200K)
Silver ($100K-150K)
Standard ($50K-100K)
Get Insurance Leads
High value

Mortgage Leads

First home buyers, refinancers, and investors. Pre-qualified with deposit, income, and property data.

Property value / target price captured
Deposit amount and source
Household income verified
Current lender & rate (refinance)
Exclusive to you (never shared)

Lead Types

First Home Buyers
Refinancers
Property Investors
Upgraders
Get Mortgage Leads
All leads come with verified contact details and full qualifying data

How It Works

Four Steps to Better Leads

No complex setup. No long-term contracts. Just qualified leads delivered to your inbox.

1

Take the Quiz

Answer a few questions about your practice—what types of leads you want, your capacity, and your budget. Takes 2 minutes.

2

We Set You Up

If you're a fit, we'll reach out to understand your preferences—regions, lead types, volume. We match our supply to your needs.

3

Receive Leads

Leads are sent to you in real-time—straight to your inbox with all the qualifying data. No chasing. No delays.

4

Close More Deals

Call prospects who are expecting to hear from you, have real intent, and match your ideal client profile. That's it.

Real-time

Lead delivery via email as soon as they complete our quiz

100%

Exclusive leads—never sold to multiple advisors

Quality

Guarantee—replace any lead that doesn't meet our standards

What Advisors Are Saying

Real Results from Real Advisors

"The difference is night and day. These people actually pick up the phone. And they know why I'm calling. That's half the battle right there."
MK
Mike K.
Insurance Advisor, Auckland
"I was skeptical. I've been burned by lead providers before. But the qualifying data you get is genuinely useful. I know their income, their current setup, what they're looking for—before I dial."
SR
Sarah R.
Mortgage Broker, Wellington
"Finally—leads that aren't shared with half of Auckland. Exclusive makes all the difference. No more racing to be first to call."
JT
James T.
Financial Advisor, Christchurch

You're a good fit if...

  • âś“ You're a licensed advisor in New Zealand
  • âś“ You can follow up within 24 hours (ideally same-day)
  • âś“ You have budget for consistent lead flow ($500+/month)
  • âś“ You're serious about growing your book

You're NOT a fit if...

  • âś— You're not licensed (yet)
  • âś— You can't follow up within a few days
  • âś— You want to "try one lead" and see
  • âś— You expect leads to close themselves

Ready to Stop Wasting Time on Bad Leads?

See If You Qualify for Exclusive, Pre-Qualified Leads

Answer a few questions about your practice. If you're a fit, we'll reach out to get you started with leads that actually convert.

Take the 2-Minute Quiz
No credit card required No commitment Takes 2 minutes

Join advisors across New Zealand who've switched to better leads

12+
Questions per lead
100%
Exclusive to you
Real-time
Delivery

"I built XLeads because I was tired of buying garbage leads. If you're a licensed advisor who's serious about growing your practice, I'd love to help. Take the quiz and let's chat."

— Cameron, Founder (former broker)