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.
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.