Key takeaways
- Decide first whether you sell to businesses or consumers; the methods and rules differ.
- Trigger events such as a funding round, a new market or a regulatory change make a lead timely.
- Consent and financial promotion rules limit how you can contact people, so check them before you start.
- Bought consumer lead lists carry risk; build your own sources where you can.
Where do insurance and fintech leads come from
Insurance and fintech leads come from four main places: direct prospecting, partners, referrals and inbound marketing. The mix depends on who you sell to.
- Direct prospecting: research and contact named companies, best for business-facing products
- Partners: brokers, accountants, banks, software platforms and trade bodies that already serve your buyers
- Referrals: existing clients introducing peers, often the warmest source in insurance
- Inbound: useful guides, calculators and checklists that answer the questions buyers search for
How do insurance agents find leads
Insurance agents find leads mostly through referrals, local and professional networks, partnerships and their own marketing, with bought leads as a riskier extra. Commercial insurance agents can also prospect businesses directly by sector, size and location.
If you buy leads, ask how consent was collected, whether the same leads go to other agents and how fresh they are. A smaller list of people who asked to hear from you is usually worth more than a larger one of people who did not.
How do B2B fintech companies find leads
B2B fintech companies find leads by targeting businesses whose situation creates a need for the product, then reaching the finance, operations or product leader who feels it.
Useful triggers are public: a funding round, expansion into a new country, a new finance leader, job adverts for finance or payments roles, a new product line or a rule change that affects the sector. An illustrative payments company might target online retailers that have just started selling abroad, since cross-border payments become a live problem the day they launch.
What compliance rules affect lead generation in financial services
Data protection, electronic marketing and financial promotion rules all affect how financial firms find and contact leads. In the UK and the EU that means a lawful basis for processing personal data and care with unsolicited electronic marketing, and regulated firms also need their promotions to be fair, clear and not misleading.
Rules vary by country and by product, so agree the approach with your compliance team before a campaign starts, and keep a record of where each contact came from.
How do you earn trust with financial services buyers
You earn trust with financial services buyers by being specific, careful and patient. Show that you understand their regulatory world, answer security and due diligence questions without being asked, and offer proof that fits their size and sector.
Content helps here: a clear guide to a new rule, or a checklist for a common audit, brings in people who are already thinking about the problem you solve.
Where Pebbles Ai fits
- CapabilityProspecting & customer recordsDescribe your ideal customer; your assistant finds matching companies, then the right people at up to ten of them, saved as contacts in a CRM segment.
- CapabilityResearch & analysisAsk an assistant to research a target company's public pages and news for triggers such as expansion or new leadership, with numbered citations you can check.
Common questions
Are bought insurance leads worth it?
They can fill a pipeline quickly, but quality varies and the same leads are often sold to several agents. Check how consent was gathered and test a small batch before committing.
What is a good first message for a fintech prospect?
One that names the trigger you spotted and the problem it usually creates, in two or three sentences, with one easy question. Leave the product detail for the reply.
Can fintech companies use cold email?
In many markets, cold email to business addresses is allowed under conditions, such as a legitimate interest and an easy way to opt out. Check the rules for each country you target with your compliance team.
Who buys fintech products inside a business?
Usually the finance director or chief financial officer, with operations, IT and sometimes compliance involved. For embedded finance products, the product or partnerships lead is often the sponsor.
About this page. Written by the Pebbles Ai team for people who run sales, marketing and growth. Last updated .
