DigitalBGA

Final expense leads

Final Expense Life Insurance Leads

Scale your production with high intent prospects delivered via live calls, AI qualification, or branded ads. Review the details of each option below.

  • Inbound Calls (TV and web Inbounds)
  • AI Transfers (For agencies only)
  • Facebook Leads (Agent Branded)

Final Expense Inbound Calls

This is where the majority of DigitalBGA production comes from. Rather than dialing a list, you sit in a queue and take calls from people who just watched a final expense commercial or a social video and picked up the phone themselves. There is no higher-intent final expense lead you can buy.

  • TV inbound calls. We produce and run our own final expense TV commercials, so the prospect calling you has already seen a death benefit offer and decided to act. Average closing percentage runs 20%-25%+ with an average annual premium around $1,200.
  • Consumer-initiated web calls. Your future client sees a video ad on social media, moves through a journey that verifies their age, and then chooses to call. There is no fronter to fumble the transfer — the call lands with you.
  • You buy a batch of calls, not a subscription. There is no subscription, no monthly platform fee and no commitment beyond the small batch of calls in front of you. Buy a batch, work it, and decide for yourself whether you want another one.
  • Register free and see the pricing immediately. Create an account at InsuranceCallsDirect.com and the price of every call type is right there in front of you. Nothing to pay to look, and no call with us first.
  • Anyone can use it. InsuranceCallsDirect is open to any licensed agent or agency. Contracted DigitalBGA agents simply pay less per call.
  • You control the queue. Calls only route to the states you are licensed in, and you toggle yourself on and off whenever you want.
InsuranceCallsDirect

Calls are bought and delivered through InsuranceCallsDirect

Register for free at InsuranceCallsDirect.com and you will see the pricing on every call type immediately. Tell it which states you are licensed in, pick the call types you want and toggle yourself on. Calls stop the moment you toggle off.

  • 3+ Years

    Of stable distribution powering call centers, agencies and agents.

  • Strict Advertising Guidelines

    Results in consistent call quality.

  • MCP Access

    Connect all calls to Claude or ChatGPT for reporting and insights.

Register at InsuranceCallsDirect

CRM Delivery

Automatically get your calls posted in any CRM.

Lead Credits

You only pay for connected calls in states you're licensed in.

Agency View

It's built for call centers to listen live, whisper and monitor.

Final Expense AI Transfers

We build you a VOXR voice agent that calls, qualifies and transfers exclusive, real-time final expense leads, using data we supply at less than $0.50 each. The AI does the grinding. Your agents pick up only when somebody qualified is on the line, at under $30 per transfer — and around $20 once you are running volume.

  • We build the entire voice agent. Script, qualification logic, transfer rules, the lot. You are not staring at a blank builder wondering where to start.
  • We supply the data at less than $0.50 each. Fully TCPA compliant records with Lead ID certificates, so every dial is documented.
  • Exclusive, real-time transfers. The lead is yours. It has not been sold three times before it reached your floor.
  • The AI sounds human. Listen to a sample call and judge it yourself.
  • Best for agencies with at least three agents on it. The AI dials faster than one person can absorb, and a thin queue means missed transfers you already paid to create.
  • Open to any agency. You do not need to be contracted with DigitalBGA to run it.
VOXR

Hear the AI for yourself

A sample call from the voice agent getting passed an automated screener with a successful transfer to an agent.

  • Data cost

    Under $0.50 per TCPA-compliant record.

  • Transfer cost

    Under $30 per exclusive live transfer. At volume you are around $20 per transfer.

  • Compliance

    Lead ID certificates on every record.

  • Team size

    Three or more agents on the queue.

How to get set up on the AI dialer

We build out the entire voice agent, provide the data and train you to run it. There is one requirement: you have to sign up through our referral link.

  1. Sign up through our referral link

    This is the one requirement. Accounts created outside our referral link cannot be set up or supported by us.

  2. Finish VOXR onboarding

    Complete the standard onboarding inside VOXR so your account is live and ready to configure.

  3. Email voxr@digitalbga.com

    Email us only after you complete onboarding and we'll set up a call.

  4. We build it with you

    We schedule a call, walk through the full setup, connect the data feed and train your team on running it day to day.

Sign up for VOXR

Final Expense Facebook Leads

Agent branded, and open to contracted DigitalBGA agents only. These campaigns run on Facebook (rebranded to Meta), though every agent we know still calls them Facebook leads. You pay $500 a month and get the leads at cost, and the only other thing you pay for is the ad spend. What separates them from every other Facebook lead you have bought is whose name is on them — the lead path brands the agent, so the prospect knows you before you dial.

  • Available to contracted DigitalBGA agents only. Unlike inbound calls and AI transfers, this one is not open to the market. You need a contract with us to run it.
  • $500 a month, and the leads come to you at cost. No per-lead markup on top — you pay the campaign management fee and your ad spend, nothing else.
  • Expect leads in the $9-$13 range, depending on spend and targeting.
  • The lead path brands you, not us. Your name, your photo and your phone number are in front of the prospect the whole way through.
  • Roughly 10% of your leads will call you before you ever dial them, because they know exactly who they are speaking with.
  • Leads post straight into your CRM of choice, so they hit your dialer and your follow-up automations the moment they come in.
  • Ask your Brokerage Manager during onboarding. That is how you get on the program. Bring it up on one of your onboarding calls and they will get your campaign built and running.
Meta

What you pay

A flat fee and your ad spend. That is the whole model.

  • $500 / month

    Campaign management, billed monthly.

  • At cost

    No per-lead markup on top of ad spend.

  • $9 - $13

    Typical cost per lead once running.

  • ~10%

    Of your leads call you first.

Leads post directly into the CRM you already use, where your dialer picks them up automatically and your text and email follow-up fires on your behalf. To get on the program, ask your Brokerage Manager during onboarding.

FAQ

Final expense lead questions we get every week

What are final expense life insurance leads?

Final expense life insurance leads are prospects, typically age 50 to 80, who have responded to advertising for small whole life coverage that pays for a funeral and final bills. DigitalBGA offers three kinds: inbound phone calls from our own TV and web advertising, exclusive real-time AI transfers, and agent-branded Facebook form-fill leads.

Do I have to be contracted with DigitalBGA to buy these leads?

It depends on which one. Inbound calls and AI transfers are open to any licensed agent or agency, and contracted DigitalBGA agents simply pay less per inbound call. Agent-branded Facebook campaigns are available to contracted DigitalBGA agents only.

How much do inbound final expense calls cost?

Registration at InsuranceCallsDirect is free, and you see the price of every call type as soon as your account is created. There is nothing to pay to look and no call with us required first.

Is there a subscription or a commitment on inbound calls?

No. You buy a batch of calls, and that batch is the entire commitment. There is no subscription, no monthly platform fee and nothing to cancel.

What closing percentage should I expect on final expense TV calls?

Average closing percentage on our TV inbound calls runs 20% to 25% and higher, with an average annual premium around $1,200. Veteran agents sit at the top of that range.

Is the AI transfer data TCPA compliant?

Yes. The data we supply for the VOXR AI dialer is fully TCPA compliant and comes with Lead ID certificates, and it costs less than $0.50 per record.

How much does an AI-transferred final expense lead cost?

Under $30 per exclusive, real-time transfer, and around $20 per transfer once you are running volume. The underlying data costs less than $0.50 per record, and the AI does the dialing and qualifying before a human ever picks up.

Why do you recommend at least three agents on AI transfers?

The AI generates transfers faster than a single agent can take them, and every transfer nobody answers is money already spent. Three or more agents on the queue keeps your answer rate high enough for the economics to work.

How do I get started with the VOXR AI dialer?

Sign up through our VOXR referral link, complete VOXR onboarding, then email voxr@digitalbga.com. We will schedule a call, go over the setup and connect the data. Signing up through the referral link is required, because we cannot support accounts created outside it.

How much do agent-branded Facebook leads cost?

You pay $500 per month for campaign management and get the leads at cost, so your only other cost is the ad spend. Leads typically land in the $9 to $13 range. This program is available to contracted DigitalBGA agents only.

How do I get started on agent-branded Facebook leads?

Ask your Brokerage Manager during onboarding. They will get your campaign built and running. The program is available to contracted DigitalBGA agents only, so there is nothing to register for separately.

Where do the Facebook leads go once they come in?

They post directly into your CRM of choice. Because your name, photo and phone number are in the lead path, roughly 10% of them call you before you dial them.

Want to see what any of this looks like as income? Run the numbers in the income estimator — it models lead cost, conversion, placement and advances against real production.

Which Lead Option Is Right for You?

There isn’t one “best” lead source. It depends on how you want to sell and what you’re trying to build.

Inbound Calls

I Want Consumers Calling Me

Choose Inbound Calls

Best for agents and agencies that want to spend less time prospecting and more time selling. Toggle on when you're ready and take inbound calls from consumers responding to our TV and digital advertising.

Best fit:
Individual agents and agencies
You do:
Answer the phone and sell
Commitment:
Buy a batch of calls. No subscription.

AI Transfers

I Want To Own The Lead Engine

Choose AI Transfers

Best for agencies that want to build and control their own lead generation engine. We build the AI voice agent, supply the compliant data and help you launch the entire system under your agency.

Best fit:
Agencies with 3+ agents
You do:
Own the system, staff the transfer queue and sell
Typical cost:
Under $30 per exclusive transfer, with costs around $20 at volume

Facebook Leads

I Prefer Outbound Dialing

Choose Facebook Leads

Best for DigitalBGA agents who want a consistent flow of inexpensive leads they can call, nurture and work over time — with their own name, photo and phone number in front of the prospect before the first conversation.

Best fit:
Contracted DigitalBGA agents
You do:
Call, follow up and work your pipeline
Typical lead cost:
$9–$13 + $500/month campaign management

Or Use More Than One

Your lead strategy doesn’t have to come from a single source.

Take inbound calls when you’re available. Build your own AI transfer engine as your agency grows. Add agent-branded Facebook leads to create a pipeline you can continue working in the background.

Consumers call you. AI calls them. You call them.

Different ways to create conversations. One goal: more opportunities to sell.