First, an agency develops a website or partners with websites on which they promote and advertise your product or service. A consumer finds these directories or informational sites, then hopefully completes an online quote request form. The buyer's information is verified and matched to the appropriate providers. These matched leads, with full contact information and purchasing requirements, are then sent via email to prospectors and other people potentially in the sales process. 
Sales leads are generated on the basis of demographic criteria such as FICO score (United States), income, age, household income, psychographic, etc. These leads are resold to multiple advertisers. Sales leads are typically followed up through phone calls by the sales force. Sales leads are commonly found in the mortgage, insurance and finance industries.
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