The Perfect Lead Source

I know leads are the life blood of the insurance industry so I was wondering if everyone could help me out. I'm trying to find out the biggest obstacles/problems you guys run into when it come to buying leads. Please let me know what industry you're in as well.

1. What are the biggest obstacles/problems you face when buying leads from a company?

2. On average, how many leads do you buy and what do you typically spend on a monthly basis?

3. What do you wish companies would do differently?

4. If you could manage and generate your own leads would you do it
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