I don't like the "blame others for your problems mentality" which is why I will not get back into the industry. That said, if you want to generate leads for health insurance (or any other insurance) first try to provide assistance for free to the average person, then build a structure to sell the leads. Think 1-800 dentist.

Get the agents to promise to subscribe to your service before you spend any money based on proof of concept. Download and read the attachment under the "Web Marketing Success" thread, particularly the "Funnel Marketing" section. It can be done quite easily if you are willing to deal with whining agents. Better you than me. LOL.