High-Budget Meta Ads System for Insurance Leads
Rohit Shihora
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Posted Feb 9, 2026
Scaled Meta Ads for a US insurance brand by fixing structure and signals first, so higher budgets didn’t introduce mess or quality drops.
Let’s get one thing straight.
Insurance is not forgiving.
Clicks are expensive. Leads rot fast. And once you scale, Meta usually punishes you for it.
Most accounts fall apart long before six figures. This one didn’t.
The real problem nobody talks about
At low spend, almost any account looks decent.
At scale, everything breaks.
Costs creep up quietly.
Lead quality drops first.
Then CPL jumps.
Then teams start blaming creatives, seasonality, or “Meta being Meta”.
This account had one clear risk point.
Could it scale hard without losing control?
The numbers that actually matter
This was not a test account.
This was pressure.
Total managed spend: $568,840.33
Total link clicks: 423,739
Average CPC: $1.34
Core average CPL: $11.45
Industry benchmark CPL: $25 to $45
Half a million dollars spent.
CPL stayed locked in the low eleven range.
That alone tells you the system was not fragile.
What made this account different
No hacks. No gimmicks.
Just disciplined execution.
Primary strategy: CBO combined with Bid Caps.
That combination is dangerous if you don’t know what you’re doing.
When done right, it becomes a filter.
Meta is allowed to spend.
But only where efficiency exists.
One campaign says it all.
620 leads
Exact CPL: $11.54
Daily budget: $35,000
Strategy: Bid Cap inside CBO
Meta was forced to hunt only for auctions that matched the cost logic.
No panic spending. No algorithmic overreach.
This is how you scale without bleeding.
Creative reality check
Not everything needs to be fancy.
Static images carried the account.
IMG CPL range: $7.89 to $10.68
These were the volume drivers. Clean, direct, no drama.
Video had a different role.
VID CPL range: $13.45 to $19.07
More expensive, yes.
But they warmed the audience and stabilized downstream performance.
This was not creative roulette.
Each format had a job, and it stayed in its lane.
The signal most people miss 🤫
The account did not reset itself every month.
No sudden CPL spikes.
No learning phase mess.
No performance whiplash while scaling from $10K to $500K+.
That tells you one thing.
The audience logic was right.
The bidding logic was respected.
And Meta was not confused.
Summary
Total Spend: $568K
Avg CPC: $1.34
Avg CPL: $11.30 to $11.60
Leads Volume: Consistent at scale
Primary Lever: CBO + Bid Caps
Stability: No cost decay during aggressive scaling
Conclusion
This is not about beating benchmarks.
It’s about building an account that does not collapse when pressure increases.
Anyone can get cheap leads once.
Very few can hold them steady at half a million dollars.
This account did.
And that’s the difference between running ads and running a system.
$568K Spend
$53K Spend
$35K Spend
$35K Spend
$10K Spend