Define a "lead" that You Would Pay For?

i know a lead is somebody who opted in to a platform to receive or wants information about insurance products, but im wondering what an insurance agent will actually buy in regards to a lead?

are you buying??? (see below)

1. email address
2. phone number
3. first and last name
4. home address

if a lead provider can provide an insurance agent with 3 out of 4 pieces of information as an exclusive lead of somebody who immediately (withing 24 hours) opted in to receive information about insurance, what is the cost for that lead?
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