Both phrases get used loosely, but they describe two different products with different economics — and knowing which one you're buying is most of the game.
When a vendor says "Medicare leads," they usually mean internet leads: a consumer filled out a quote form, and that submission is sold — typically to several agents at once — for $20-40 each. The person is warm, but you're racing everyone else who bought them, and speed-to-call decides who wins.
A T65 list is the underlying market itself: every person in a county turning 65 in the months you pick, with mailing address and phone where available, at pennies per record. Nobody else was sold your outreach — with us, each record is sold once and removed. The trade-off is honest: these people haven't asked to be contacted; conversion depends on your mail piece or your dials.
Volume math favors data: even the $10 minimum order buys a few hundred exclusive T65 records — the price of a single shared internet lead or two. Speed math favors warm leads: a consented inbound converts at multiples of cold outreach. Most producing agents run both — cold T65 data as the always-on pipeline, and consented Live Leads for immediate closes. See the full price grid for both tiers.
Why are T65 leads so much cheaper than Medicare leads?
Because they're different products. T65 data is public-record information for your own outreach — a commodity priced in pennies. A Medicare internet lead is a warm consumer inquiry, priced $20-40 because the person asked to be contacted.
Are shared Medicare leads worth it?
They convert better per contact but you're racing every other agent who bought the same person. Exclusive consented leads or your own outreach on exclusive data avoid the race.
LeadLoom sells exclusive, public-record senior lead data and consented live leads for licensed insurance professionals. Buyers are responsible for TCPA/DNC compliance on their own outreach.