A closer look at everything inside Spark.
From first contact to commission, Spark brings your sales tools and workflows into one workspace.
CRM COMMAND CENTER
A life insurance CRM built around working leads, not storing them.
Keep every lead’s conversations, activity, and policy details in one record, with a clear next step.
- Pipeline stages and full contact timeline
- Notes, tasks, reminders, and message history in one place
- Policy and application context on every contact
- Next-best-action surfaced by the AI assistant
Spark Life / Contact previewMarcus Whitfield
- marcus@example.com
- Phone
- (615) 555-0142
- Source
- Meta · Final Expense
- Created
- Sep 10, 2026
12m 24s · Reviewing coverage on Thursday.
Thursday at 10:30 works. Talk then, Marcus.
Thursday works. I’ll have our current policies ready.
AI SALES ASSISTANT · PRO PLAN
A trainable AI assistant that knows your playbook.
An assistant trained on your playbook that prepares calls, follows up, and books appointments—with every conversation as context.
- Train it on your sales process, products, rules, reminders, and message style
- Teach it your follow-up style, objection handling, and escalation paths
- Use it to prep calls with lead history and prior notes
- Never forgets a conversation — every call, text, and note is remembered
- Works proactively — acts on new leads, no-shows, and stale deals without being told
- Give it its own name and personality so it feels like part of your team
Spark Life / Spark AgentSpark AgentReadyMessage Spark Agent…
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EXTERNAL AI AGENTS · PRO PLAN
Connect the AI you already use.
Connect Claude, ChatGPT, and other AI apps to your Spark workspace. Ask in plain words, and it looks things up in your Spark for you.
- Works with Claude, ChatGPT, Grok, Cursor, and more
- Ask “Who haven’t I called this week?” or “How were sales last month?” and it answers from your contacts, sales, and reports
- You choose what it can do when you connect it
- An owner or admin can switch it off for the whole workspace anytime
- It can’t make purchases or place calls, and it can’t read SSNs, bank account numbers, or call recordings
Spark Life / Settings · Connect your AIConnect your AI
Use your own AI app to work in Spark.
ChatGPT is connected.
Signed in · Last used today
Signed in
Call recordings and full transcripts, or Social Security, bank account, routing and driver’s license numbers.
THE PLAYBOOK · PRO PLAN
Build trust before the call. Keep the clients you close.
The Master Life Insurance Playbook runs everything Spark does for you and your clients, from the first text to the annual review.
- Before the call — lead follow-up texts, a “Meet your agent” intro, booking confirmations, and reminders
- After the sale — policy confirmation with a PDF summary, a welcome packet, and a private client security code
- First and monthly payment reminders, plus missed-payment saves
- Day-30 referral check-ins, birthday and holiday texts, and an annual review
- Professional, branded client documents — Meet your agent, policy summary, welcome packet, and annual review
- Every piece has its own switch, all on one page
Spark Life / Settings · PlaybookPlaybook
Everything Spark does for you and your clients, from the first text to the annual review. Turn any part off here.
New lead and nurture
A short series over a new lead’s first days, written for their lead type. Stops when they reply or book.
Booked
Reminder texts 24 hours, 1 hour and 15 minutes before the call.
The call
About 2 minutes before the dialer calls, the lead gets a text with the number you’ll call from.
Sold
A text and an email confirming their coverage, with a PDF summary of the policy.
IN-APP LEAD SYSTEMS
Buy leads or generate them — all inside Spark.
Buy leads from vetted partners or generate them through the Meta lead pools. Every lead arrives in Spark, ready to work.
- Buy exclusive leads from vetted lead partners at member-discounted prices
- Or, on Basic or Pro, reserve a seat, then add Growth in the app and join the Meta lead pools for exclusive, text-verified leads, with a daily budget per pool paid weekly, no setup fee, and no ads to manage
- A steady flow of fresh leads delivered straight into Spark
- Every lead tracked from first contact to placed premium
- Source, spend, calls, premium, and ROI in one dashboard
Spark Life / Lead MarketplaceBuy Leads
Buy a one-time pack of leads or set a weekly subscription.
Final expense leads
$8 / lead
Min 25 leads · from $200
Data captured · 4 fields
- First name
- Last name
- Phone
- State
Your orders
Track delivery progress and manage subscriptions.
Final expense leads
25 of 25 received
MULTI-LINE POWER DIALER
A true power dialer. Built in, not bolted on.
Multi-line dialing, local caller ID, and call outcomes—all connected to your CRM, with no separate dialer subscription.
- Multi-line dialing — up to 3 lines at once, you talk to whoever answers first
- Voicemail detection — drop, log, and keep dialing
- Built-in screener bypass — talk through call screening, or your AI voice answers it
- Local caller ID matching on every dial
- One-click dispositions that update the CRM as you hang up
- Quick action links on every call — send docs mid-call on Basic and Pro, or request SSN and banking on the Pro Plan
- No separate dialer bill — included in every paid plan
Spark Life / Dialer(615) 555-0186
“Do you have any coverage in place today?”
I want my family to have the final expenses covered.
Do you have any coverage in place today?
A small policy through work, but nothing of my own.
QUICK ACTION LINKS
The info they won't say over the phone. Collected in one click.
Send a secure, one-time link during the call. Clients enter sensitive details on their phone, and Spark saves them encrypted and masked. SSN and banking requests are on the Pro Plan.
- Request SSN — encrypted one-time link; lands masked in the contact record
- Request banking — account + routing collected the same way, never read out loud
- Send card + license — your business card and the license matched to your client's state, one tap
- The call screen flips to “Received ✓” the second they submit — no refresh
- One-time links, 30-minute expiry — nothing to intercept, nothing left open
Spark Life / Contact · Quick actionsGloria Simmons
- Phone
- (615) 555-0178
- gloria@example.com
Request SSN securely
Text a one-time encrypted link for their Social Security number. Expires in 30 minutes. Stored encrypted and shown masked.
Request banking information
Text a one-time encrypted link to collect and confirm bank details. Expires in 30 minutes. Account and routing numbers are shown masked.
AI VOICE · PRO PLAN
You dial to close. The AI does everything else.
Let AI qualify leads, recover missed appointments, and follow up. Ready prospects get booked or transferred to you.
- Books appointments and hands you live transfers when a lead is ready
- Reasons and handles objections in real time — it thinks for itself
- Qualifies new leads before you spend a minute on them
- Confirms appointments and reminds people before they no-show
- Re-contacts missed calls, stale leads, and old opportunities
- Works the same queues you do — you only take the live ones
Spark Life / AI DialerFinal expense follow-up
AI Dialer session
(615) 555-0139
LIVE CALL INTELLIGENCE
Live AI coaching and underwriting, right on the call.
Get suggested questions, objection responses, and underwriting context while you’re on the call, when the guidance matters most.
- Live transcription and objection detection
- Approved questions and rebuttal paths in the moment
- Product and carrier considerations inside your rules
- Compliance reminders and next-step guidance
- Live AI underwriting on the sales call
Spark Life / Dialer · AI CoachLive call · Final expense
“What monthly amount would feel comfortable? We can look at coverage that fits.”
I am interested, but I need to keep the monthly cost down.
What monthly amount would feel comfortable?
Around forty dollars would work for me.
INSURANCE QUOTING · BASIC + PRO
Live carrier quotes, without leaving Spark.
Live carrier pricing for final expense, term, and IUL, right inside Spark. Quote, compare, and present options to your client in one place.
- Final expense and whole life, term from 10 to 30 years, IUL, and simplified IUL
- Quote by coverage amount or by monthly budget
- Add health conditions and medications to see the carriers likely to take the case
- Compare quotes side by side, with your estimated first-year commission
- Present good, better, and best options in a client view that hides your commission
- Get quotes on the live call from the dialer, and save them to the contact
Spark Life / Insurance QuotingInsurance Quoting
Live carrier pricing across your product lines.
- State
- Tennessee
- Age
- 67
- Coverage amount
- $15,000
- Tobacco use
- No
$15,000 · Eligible
$15,000 · Eligible
$15,000 · Reduced benefit in early years
$12,700 coverage
$19,500 coverage
$26,300 coverage
The top option carries 2.1× the cover of the first.
Hides your commission and enlarges the coverage and premium, so you can turn the screen around.
SALES INTELLIGENCE · BASIC + PRO
See what gets leads to pick up, reply, and book.
Intelligence looks at your own calls, texts, and appointments and shows what’s working, next to the average across Spark workspaces.
- What gets calls answered — speed to first call, time of day in the lead’s own time zone, which attempt, and local caller ID
- How long to wait before redialing, and whether texting before you call helps
- What gets replies — your best openers, and what makes people opt out
- What gets appointments booked and kept
- Your biggest opportunities, pulled to the top
- Look back 7, 14, 30, 60, or 90 days
Spark Life / IntelligenceIntelligence
What your own activity says about getting more leads to pick up, reply, and book.
38% answer rate vs 21% the rest of the time — 412 of your 1,380.
Does calling a new lead sooner get more of them on the phone?
| When | Your answer rate | Fleet average |
|---|---|---|
| Within 5 minBest | 38% | 31% |
| Within 1 hour | 27% | 24% |
| Within 24 hours | 19% | 18% |
| After 24 hours | 12% | 13% |
These are patterns in what happened, not proof that one caused the other.
The first text new leads got, ranked by replies earned. Send more of these.
| Message | Reply rate |
|---|---|
| Hi {{first_name}}, it’s Amanda. Got a minute today to go over the coverage you asked about? | 24% |
| Hi {{first_name}}, this is Amanda. When is a good time to talk about your coverage? | 17% |
Opt-outs don’t count as replies. A second board ranks what makes people opt out.
Do leads you actually speak to book more often?
| When | Your booking rate | Fleet average |
|---|---|---|
| Reached by phoneBest | 22% | 19% |
| Never reached by phone | 4% | 5% |
These are patterns in what happened, not proof that one caused the other.
AI FOLLOW-UP & CALL MEMORY
Every call becomes memory. Every memory becomes the next step.
Spark captures the conversation and turns key details into summaries, reminders, and follow-up grounded in what was actually said.
- Auto summaries, captured objections, promised next steps
- Context-aware SMS drafts and reminders
- No-show recovery and missed-call follow-up
- Quote, application, and stale-lead reactivation
Spark Life / Contact · CallsMarcus Whitfield
(615) 555-0186
(615) 555-0142
AI Summary
Marcus wants to compare coverage for himself and his spouse. Next appointment: Thursday, 10:30 AM.
Notes
Include both spouses in the next conversation.
Recording
DownloadTHE ARENA · GAMIFIED LEADERBOARDS
Selling is a sport. Turn production into a competition.
Track your rank, celebrate closed deals, and challenge other agents. The Arena brings individual and agency production into one live competition.
- Live leaderboards — see how you rank against agents across Spark
- Agency vs. agency standings, updated in real time
- A live feed of deals closed and premium written
- Duel other agents — call them out, they accept, winner takes it
- Post bounties and challenges anyone can jump on
- Your own Arena profile — production, challenges completed, and awards
Spark Life / Arena / LeaderboardThe Arena
This week’s standings
Automatic commission tracking
Always know exactly what you're making.
See policy commissions calculated from your comp grid, track production against lead spend, and measure progress toward your income goals.
- Commissions calculated automatically from your agency or IMO's comp chart
- See what you're owed, what's been paid, and what's pending in one view
- Track what you spend on leads against what comes back, so you know your true ROI
- Set an income goal and watch your sales projections — Spark tells you if you're on pace
- Your AI agent keeps every number up to date, so you never touch a spreadsheet
Spark Life / Sales Log / CommissionsSales Log
Every sale, with its commission breakdown.
| Client Name | Annual Premium | Full Comm |
|---|---|---|
| Dana Reeves | $1,200 | $1,080 |
| Marcus Whitfield | $1,800 | $1,800 |
| Gloria Simms | $1,440 | $1,440 |
New Sale
Policy details
Estimated commission
Full Commission$1,440
Advance$1,080
As-Earned$360
Level 100 · 100% comp · 75% advance
BUILD SMS AND EMAIL FLOWS
Start with text and email sequences that work every lead automatically.
Start with ready-made text and email sequences. Customize the message, timing, and triggers to keep follow-up moving automatically.
- Send instant texts when a new lead enters Spark
- Confirm appointments and remind prospects before they no-show
- Trigger no-show recovery texts when someone misses a call or appointment
- Follow up after quotes, applications, and unanswered calls
- Hand the conversation back to a producer when the prospect replies or becomes ready
Spark Life / SMS Drips / New lead follow-upNew lead follow-up
SMS Drips
Hi {{first_name}}, this is Amanda. When is a good time to talk about your coverage?
Hi {{first_name}}, would this afternoon work for a quick call?
AGENCY COMMAND CENTER
See your entire agency in real time.
See team production, downline performance, and live calling activity in one place, so you know where to focus and when to step in.
- View your org chart and downline performance in one dashboard
- See analytics by agent, team, source, activity, and commissions
- Track a real-time leaderboard for calls, appointments, and production
- Open the dial room to see who's dialing, who's on the phone, and who's idle
- Run the Arena — leaderboards, caller grading, and team competitions
- Understand which agents, lead sources, and activities are producing results
Spark Life / Agency / Dial RoomDial Room
Live activity · Northstar Agency
On a call
On a call
On a call
AI TRAINING SIMULATOR
Practice the call before it costs you a real lead.
Practice sales calls with simulated prospects, then review recordings, scores, and coaching notes. Build confidence before working real leads.
- Choose your difficulty — warm, realistic, or tough AI prospects
- Pick the lead type (veterans, first responders, seniors) and product — final expense, term, IUL
- Practice eApps on demo carrier applications — Americo, Aetna, Mutual of Omaha, Transamerica, and more
- Run full calls start to finish — opening, objections, close, then the application
- Upload your sales scripts and get graded on how well you follow them
- Uplines and your AI agent see every call, grade, and what to work on next
Spark Life / TrainingTraining
Practice against an AI prospect.
Today · 06:42
Yesterday · 08:16
Practice lead · Final expense
“What coverage do you have outside your veterans’ benefits?”
I thought my veterans’ benefits would cover everything.
Let’s look at what those cover and where your family may need help.
Work on this next call
Confirm the coverage gap before presenting a policy.
No setup fee · Built around your playbook · You stay in control
See it all working together.
See how Spark connects your sales process, from first dial to commission.