Agency & Call Center Opportunity
Build a More Profitable Agency.
Scale It With Better Infrastructure.
Whether you're building a recruiting agency, operating an LOA call center, or planning to launch one, DigitalBGA gives you the contracts, data, technology, lead access and operator-level support to scale with fewer expensive mistakes.
We’re not the “Ra-Ra” agency builders.
We’re operators.
We believe this entire business is a math problem.
- Lead cost
- Sales rate
- Average premium
- Placement
- Persistency
- Compensation
- Chargebacks
- Debt
- Overhead
- Agent productivity
Get the equation right and scale becomes exciting.
Get it wrong and scale just makes the problem bigger.
We help you solve the equation.
Already producing? Bring us your current contracts and production. We’ll review your existing levels, work to match them where applicable, and show you where DigitalBGA can help you scale from there.
Better Economics. Better Data. Better Decisions.
You don’t need another organization offering you a comp grid and a Zoom link.
You need infrastructure that makes the business underneath your production better.
- A published compensation ladder with a path to direct
- Current-level matching for established producing agencies
- AMP, our Agency Management Platform
- Production, placement, chargeback and debt visibility
- Controlled-business and potential fraud alerts
- AI access to your DigitalBGA business data through MCP
- Optional access to DigitalBGA inbound calls and sales technology
- Call center processes, SOPs and operational guidance
- Direct access to experienced DigitalBGA operators
Compensation
Compensation That Actually Has Somewhere to Go.
Build bigger. Keep more.
If you’re already running a producing agency, you shouldn’t have to take a step backward to partner with DigitalBGA. Bring us proof of your current carrier levels and we’ll work to match where you are today. Then you grow from there.
And unlike most hierarchies, there’s a clearly defined destination at the top. Direct.
For agency builders, your personal production plus the production of your entire hierarchy counts toward your compensation level.
| Monthly issued / paid premiumPersonal production plus your entire hierarchy | Contract level |
|---|---|
| $50,000+ | 120% |
| $100,000+ | 125% |
| $200,000+ | 130% |
| $400,000+ | 135% |
| $800,000+ | 140% |
| $1,500,000+ | 145% |
| $2,500,000+ | Direct contract |
Production requirements are based on issued-and-paid annual premium, with the required monthly level maintained for three consecutive months before qualifying for the next contract level. Compensation adjustments are applied during DigitalBGA’s scheduled compensation reviews.
No Hidden Ceiling.
Most organizations want their largest agencies permanently underneath them.
We’re willing to do something a little crazier. Help our biggest agencies graduate.
If you build an organization capable of producing at that level, we believe you’ve earned the opportunity to control more of your own economics.
No mystery about what the next level requires.
No wondering whether you’re already at the “top.”
No secret contract reserved for somebody else.
You build the production. We show you the path.
AMP: Agency Management Platform
Know What’s Actually Happening Inside Your Agency.
Production is important. But it’s only one number. To run an agency well, you need to understand everything happening underneath it.
AMP gives you one place to see the business across your DigitalBGA hierarchy.
Production
See what every agent, team and agency is writing.
Policy Status
See your business and its current status without spending your day logging into carrier after carrier.
Placement
Know what is actually issuing and paying - not simply what was submitted.
Chargebacks
See deterioration before it becomes a major problem.
Agent & Hierarchy Debt
Understand debt exposure throughout the organization before it surprises you.
Controlled Business & Fraud Alerts
Surface patterns that deserve attention before they become larger problems.
Pending Lapses
Know which policies are at risk before you lose them.
Reinstatement Opportunities
Identify lapsed policies where your organization may have an opportunity to recover the client.
Cross-Sale Opportunities
Surface opportunities hiding inside the book of business you already built.
Stop managing a multi-million-dollar agency through spreadsheets and carrier portals.
Most Agency Owners Are Flying Blind on Debt.
And roll-up debt has a nasty habit of becoming somebody else’s problem... until it becomes yours.
You should never be surprised by debt inside your hierarchy.
AMP gives you visibility into debt across carriers, agents, agencies and hierarchies.
And that visibility doesn’t have to stop with you. Your agency builders can get the information they need to manage their business. Their builders can manage theirs.
Better information creates better operators throughout the organization.
How it happens
- An agent accumulates debt.
- Nobody notices.
- Production slows.
- The agent disappears.
- The carrier begins rolling balances uphill.
- Yesterday’s production has become tomorrow’s liability.
Your Book of Business Is Full of Opportunities You Don’t Have Time to Find.
Most agencies spend enormous amounts of money acquiring clients, then barely interact with the data created afterward. That’s a missed opportunity.
AMP helps surface what deserves attention.
A policy is about to lapse?
Know before you lose it.
A former client may be eligible for reinstatement?
Surface it.
An existing customer may have another insurance need?
Find it.
An agent’s placement is deteriorating?
See the trend.
Debt is accumulating somewhere in the hierarchy?
Know about it.
The data was already there. AMP makes it actionable.
AI-enabled
Then We MCP-Enabled Everything.
That means you’re no longer limited to the dashboards and reports we decide to build. Your organization can use supported AI tools such as ChatGPT or Claude to interact with DigitalBGA data in new ways.
InsuranceCallsDirect
Where calls are purchased and delivered.
DigitalBGA CRM
Where agents manage prospects and sales activity.
AMP
Where agencies manage the business and book of business.
Your Agency. Your Data. Your Questions.
“Show me every agent accumulating carrier debt.”
“Which teams have the best placement over the last 90 days?”
“Build an executive dashboard showing production, placement and chargebacks by agency.”
“Show me every hierarchy where production is increasing but persistency is deteriorating.”
“Which carriers are generating the most roll-up debt?”
“Show me every pending lapse over $1,200 annual premium.”
“Rank my teams by placed premium.”
“Which agents have experienced the largest drop in production this month?”
“Find my best reinstatement opportunities.”
“Build me a morning executive dashboard.”
Or build automations specific to the way your organization operates.
Don’t fit your agency into our dashboard. Make the data fit your agency.
Building a recruiting agency?
Recruit With More Than a Comp Grid.
Recruiting gets harder when every organization is selling agents essentially the same thing: contracts, training, community, a CRM, a weekly Zoom.
Serious producers eventually ask a much more important question: “How is joining your agency going to make my business better?”
DigitalBGA gives you more to put behind that answer.
- A transparent path to higher compensation
- A path to direct
- Real-time agency intelligence
- Debt visibility
- Book-of-business opportunities
- AI-enabled data
- Optional access to high-intent inbound opportunities
- Optional access to telesales technology
- Better information for your agency builders
You’re not just giving agents a place to contract. You’re giving them better infrastructure to build on.
We Give Agency Owners the Numbers Behind the Production.
It’s easy to celebrate premium. But what happened to it?
- How much issued? How much placed? How much persisted?
- How much charged back? How much debt exists underneath the hierarchy?
- Which teams are healthy? Which teams only look healthy?
- Which agents are becoming a risk? Where is controlled business becoming an issue?
A large agency isn’t automatically a well-run agency.
We want you to know the numbers underneath the number.
Our Answer Isn’t Recruit Harder.
Our answer to every business problem isn’t “recruit harder.”
Recruiting more people into bad economics doesn’t fix the economics. It amplifies them.
We look at
- Cost per opportunity
- Cost per sale
- Sales rate
- Average premium
- Compensation
- Placement
- Persistency
- Advances
- Chargebacks
- Debt
- Agent productivity
- Management costs
- Overhead
This entire business is a math problem.
And we help you solve the equation before you scale it.
Building an LOA call center?
This Is Our Specialty.
There are plenty of organizations willing to give a call center contracts. There are far fewer people who have actually built and operated life insurance call centers themselves.
We have.
We’ve mentored other call centers.
We’ve helped repair unprofitable operations.
We’ve helped organizations start from zero.
We’ve helped call centers scale to $1 million per month while staying profitable.
We’ve learned the expensive lessons. And we’d rather you not have to learn every one of them yourself.
Most Life Insurance Call Centers Fail.
Often while producing a lot of premium. That’s the scary part.
The sales dashboard can look great. Production can be increasing. Agents can be writing business. Then the economics underneath it start showing up.
Placement is too low.
Chargebacks are too high.
Advances create debt.
Management gets bloated.
Lead economics deteriorate.
Hiring becomes expensive.
Training breaks as the organization grows.
QA falls apart.
Persistency collapses.
Too many agents producing too little.
Overhead outruns gross profit.
More production, less profit.
We’ve seen it. We’ve lived it. We’ve helped fix it.
Don’t Learn Every Lesson the Expensive Way.
We’ll help you work through the areas that determine whether the operation actually makes money.
Lead Economics
Are you buying the right opportunities at the right price?
Sales Performance
What should agents be closing and where are sales being lost?
Agent Compensation
Are incentives aligned with profitable behavior?
Placement & Persistency
Are you writing business that actually stays on the books?
Chargebacks & Debt
How much exposure are you creating as you scale?
Hiring
Who should you hire, how quickly and at what cost?
Training
How do you turn new hires into productive agents faster?
QA
What needs to be monitored before bad behaviors become expensive?
Sales Management
How do managers drive performance without becoming another layer of overhead?
Administrative Staffing
What should salespeople handle and what belongs with administration?
Carrier Strategy
Are you sending the right business to the right carriers?
Reporting
What numbers actually matter every day?
Technology
What should you build, buy or automate?
Scaling
What needs to be true before you double?
We’ll Give You the Playbook.
You don’t have to create every internal process from scratch. We’ll share processes and SOPs developed around operating life insurance sales organizations.
Sales Team Processes
- Lead handling
- Daily workflows
- Sales expectations
- Call reviews
- Performance management
- Coaching
- QA
Administrative Processes
- Pending business
- Placement follow-up
- Carrier communication
- Chargebacks
- Agent debt
- Policy servicing
Management Processes
- KPIs
- Daily accountability
- Reporting
- Meetings
- Escalations
- Coaching rhythms
- Performance reviews
- Scaling
Start with a blueprint that has already been tested in the real world. Then adapt it to your business.
We’ll Also Make the Introductions That Matter.
A successful agency or call center requires a lot more than carrier contracts.
- Technology
- Media
- Vendors
- Industry relationships
- Service providers
- Specialists
Sometimes the right introduction can save you months of searching. Sometimes it can save you a six-figure mistake.
When appropriate, we’ll open our network to you.
Operator to Operator. Every Week.
For partners who want it, an owner of DigitalBGA will meet with you every week. Bring the numbers. Bring the problems. Bring the decisions you’re wrestling with.
What’s working?
What’s broken?
Where’s the leak?
What do the numbers say?
What should we fix first?
What shouldn’t we touch yet?
What breaks if we double?
Where are we taking risk?
This isn’t a mastermind. It’s an operator meeting.
Use Your Leads. Or Ours.
Already generating your own leads profitably? Great. Keep doing it.
If you want another scalable source of conversations for your organization, DigitalBGA also gives your agency access to calls through InsuranceCallsDirect.
Use your own acquisition. Use ours. Or use both. Whatever makes the economics work.
Use Your Technology. Or Ours.
Many established agencies are already investing heavily in their own technology. You don’t have to throw away a CRM, dialer or automation platform that already works.
At a minimum, AMP can give leadership the visibility and business intelligence needed to understand what happens after the application is written.
Use the technology that makes your business better.
Starting from zero?
Talk to us before you build it wrong.
It’s much easier to avoid an expensive problem than fix one after you’ve hired 50 people. We can help you think through:
- Agency structure
- LOA vs. independent
- Carrier strategy
- Compensation
- Advance structures
- Lead economics
- Technology
- Staffing
- Hiring
- Training
- Sales management
- Administration
- QA
- Placement
- Persistency
- Chargebacks
- Debt
- Reporting
- Scaling milestones
Build the economics first. Then pour gasoline on them.
Already built something significant?
Good. Bring us the numbers.
We’re not asking you to start over. Bring us:
- Production
- Current carrier contracts
- Placement
- Persistency
- Lead costs
- Sales rates
- Average premium
- Chargebacks
- Debt
- Agent count
- Management structure
- Technology
- Profitability
And let’s look at what’s underneath the production.
Keep what’s working. Improve what isn’t. Scale what makes money.
Agency partner story
Nick I.
National Security Life
“DigitalBGA hasn’t just been an upline for us. They’ve become an operating partner in helping us build a better, more profitable business.”
When we moved our LOA final expense team to DigitalBGA, they immediately identified process and technology changes that improved our placement rate. They’ve helped us strengthen carrier relationships, introduced us directly to carrier reps to negotiate bonus opportunities beyond our base commission, and given us operational insights that have had a real impact on profitability.
DigitalBGA meets with ownership every week to work through current challenges, review the numbers, and identify ways to optimize the business. Just as important, the DigitalBGA operations and contracting teams are extremely responsive - whether we need reporting, help resolving carrier issues, or someone to go to bat for us when things are moving too slowly.
Agency partner story
Peter Roberts
Legacy Family Life
“They made the introductions, helped us secure direct contracts, trained our new contracting team...”
Jeff has met with us every week for more than two years and has played a major role in helping us grow the agency and work through the challenges that come with scaling. DigitalBGA has also facilitated in-person call center visits and full-day masterminds with other operators, giving us the opportunity to compare processes, share ideas and learn from businesses solving many of the same problems we are.
One of the reasons we partnered with DigitalBGA was the opportunity to eventually earn direct carrier contracts. They told us from the beginning that if we built the production, they would help us get there - and they lived up to that promise. They made the introductions, helped us secure direct contracts, trained our new contracting team and released us so we could move direct.
That level of commitment and follow-through is rare in this industry and it’s a big reason we value the partnership.
Who We Work Best With
DigitalBGA is a strong fit for agency and call center owners who:
- Care about profitability as much as production
- Want a transparent path to higher compensation
- Want a real opportunity to reach direct
- Want visibility into debt before it rolls uphill
- Want better information across their hierarchy
- Believe decisions should be driven by data
- Want to use AI more deeply throughout the business
- Want better infrastructure for their agents
- Are willing to look honestly at the numbers
- Want to build something that’s actually worth owning
We don’t just want to help you build a bigger agency. We want to help you build a better one.
What Happens Next?
Tell Us What You’re Building
Recruiting agency? LOA call center? Already producing? Starting from scratch? We’ll start there.
Bring Us the Business Behind the Production
Contracts, production, placement, persistency, lead economics, compensation, chargebacks, debt, technology, team, profitability.
Already at higher carrier levels? Bring proof and we’ll review for a match.
We’ll Show You Where DigitalBGA Creates Leverage
Better contracts. A path to direct. AMP. Debt visibility. AI and MCP. Calls. Technology. Operational processes. Weekly strategy with an owner. Or all of the above.
Decide If We Can Build Something Better Together
No recruiting theater. No motivational pitch. No pressure to force your business into somebody else’s model. Let’s look at the math.
Production Is Great.
Profitability Is Better.
Anyone can add more agents. Anyone can put another logo on a compensation grid. Anyone can post a production screenshot. We care about what happens underneath it.
How much places?
How much persists?
How profitable are the leads?
How much debt exists?
How productive are the agents?
How efficient is management?
What happens when you double?
Are you building something worth owning?
Better economics. Better visibility. Better data. Better operators. Better decisions. And a compensation structure with somewhere meaningful to go.
Build to 145%. Build to direct.
Build something worth owning.
Whether you’re operating an agency, running an LOA call center or planning to build one, schedule a conversation and let’s look at the business you’re building.
Commission percentages represent DigitalBGA contract levels. Individual carrier and product compensation may vary. Agency Path qualification includes personal production plus total hierarchy production. Production requirements are based on issued-and-paid annual premium. Outstanding debt to DigitalBGA or a direct upline must be cleared before a promotion applies.