Final expense platform
An unbeatable final expense telesales platform
The technology, training and high ROI leads you wish existed for final expense telesales — in one plug-and-play system.
- A powerful “plug & play” final expense sales automation platform built to help you write more business.
- Highly profitable TV call-ins and agent-branded Facebook leads.
- Top contracts starting at 110%.
Contracts
Some of our final expense carriers
Why we're different
Resources you probably don't have today
The DigitalBGA final expense telesales experience equips you with the technology, training, high ROI leads and confidence to break out immediately. Here is what our agents leverage for better profits that most agencies simply cannot offer.
- Access to TV call-ins. We produce and run our own final expense TV commercials.
- A sales process that lifts average annual premium to over $1,000 with strong persistency.
- Real-time bank verification. Verify routing and account numbers — and the probability of funds being available — inside your CRM.
- An agency management system that shows every policy and its current status, updated for you. It notifies you of pending lapses and gives you insight into your entire book.
- Caller ID spam monitoring. We watch your number for spam flags and tell you how to remediate it so you connect on more calls.
- Daily training, including listening to live calls and critiquing them together.
Our mission statement
Life is short. Be great. Do good. Take care of others.
Right off the bat, those resources improve your business. They are the reason agents who have sold final expense elsewhere tell us the first month here feels like a different job.
Tech
Proprietary CRM, dialer, automations, quoting.
Leads
Generated in-house and sold at our cost.
Training
Daily live coaching and call reviews.
Contracts
110% to start, vested renewals, open release.
Final expense leads
We generate every call-in lead ourselves
We see the contact and sales data on every lead we generate. We scale the winners and cut the losers daily, and it has produced incredible returns for our agent partners. You have never worked a final expense lead with more intent than someone who picks up the phone and calls in after seeing our ad.
$35 – $80 per call
Inbound calls — TV and web call-ins
DigitalBGA is the premier inbound agency in the market today. Why spend all day calling outbound and dealing with ever-increasing TCPA compliance when interested prospects can call you instead?
On our TV ads, DigitalBGA produces the commercials, runs the media and gets outstanding sales results. Average premium runs between $1,100 and $1,200 because our proprietary ads focus on the death benefit amount, not on how cheap you can get it.
On consumer-initiated web calls, your future client sees a video ad on social media — typically Facebook, YouTube or TikTok. They land on a page that verifies their age (50–80) and asks basic health questions, and then they click to call in.
- Web calls go directly to you. There is no “fronter” to fumble the transfer, so you control the conversation from the start. Average premiums run $989 – $1,095.
- New agents can expect to write 15%–18%. After 10–20 calls the average sales rate is 20% if you follow our sales process, and veteran agent partners close 25%+ in this queue.
- We only deliver calls in the states you are licensed in and have entered into our CRM. There is no minimum number of states required to sit in the call queue.
$9 – $12 per lead
Agent-branded Facebook leads
If you prefer to dial outbound, we have a marketing partner that runs agent-branded Facebook leads for a very reasonable monthly fee. Instead of paying a vendor a markup and $20+ per lead like most agencies, you pay a campaign management fee plus your ad spend — so your lead cost lands in the $9–$12 range.
- Here is the kicker: these are branded to you. Your name, photo and phone number are in the lead journey, and 8%–10% of the time your leads will call you directly, knowing exactly who they are speaking with.
- Leads post automatically into the DigitalBGA CRM, where the dialer calls the next best available lead and sends automated texts and emails on your behalf.
- Our marketing partner gives you a live reporting link for your campaign performance, which you can tie directly to sales to see exactly how profitable those leads are.
Inbound calls are the highest quality final expense leads you can buy. The intent is already there — it is the agent’s job to help them comfortably check that box and get peace of mind.
$35 – $80
Per inbound TV / web call
$1,100 – $1,200
Average premium on TV call-ins
20%
Average sales rate after 10–20 calls
25%+
What veteran agents close in the inbound queue
Sales technology
Software we built ourselves, for this exact job
Our software is proprietary — we built it from the ground up. That means we can make it do whatever we want and keep adding features that increase sales, and most of those optimizations come straight from agent feedback.
- Verify bank account numbers in real time — and determine whether there is a high likelihood of money being in the account. It increases placement on your final expense business.
- Actionable reporting. View contact and sales percentages for any date range and lead source, and compare yourself to the benchmarks we share with you. The numbers tell you exactly where your weaknesses are.
- Quote final expense life insurance with one click. Take the lead information already in your CRM and run quotes without re-keying it into third-party systems.
- Toggle yourself on and off the TV call-in queue. You are in control.
- No A2P headaches. Agents on other CRMs (like GoHighLevel) fight A2P registration and undelivered texts. We manage A2P and deliverability for everyone, so your automations fire like clockwork without you lifting a finger.
Day one
Everything is set up for you to sell
1. Buy
Purchase leads inside the CRM. They post to your account automatically.
2. Dial
The system surfaces the next best lead. Click “Dialer” and it dials until you connect.
3. Follow up
Every no-answer is auto-dispositioned and gets a customizable email and text.
4. Repeat
Those automations create inbound activity while you stay on the phone.
Training
We’ve mastered the final expense telesales presentation
We combined that presentation with training processes that get any agent set up and making sales within days of receiving their writing numbers. The average final expense annual premium at DigitalBGA is over $1,000, using a sales process built on probing questions and a “mission driven” mentality. Connect your prospect emotionally to the amount of coverage you choose together and they take action more often — which raises sales rates, placement, persistency, average premium and referrals at the same time.
Most agents don’t know what they don’t know
Not all final expense telesales presentations are created equal. Here is what we mean:
- We average 1–2 referrals per sale without ever using the word “referral” or mentioning a referral program.
- We increased placement and persistency by asking just one question during the application process.
- We reduced objections by flushing them out in discovery and addressing them at a low-pressure moment — not after you give rates.
- Have you ever been trained to run a proper policy review, where you close four out of five that go through the process?
- Are you differentiating yourself and your final expense plans through education?
- Are you uncovering annuity, Medicare, single premium whole life and other opportunities consistently?
Training is where the platform lives or dies
We take training seriously because our platform doesn’t work unless you know how to work it. With that said, we’ve had agents issuing over $10,000 in their second week with us. For some it only takes a week for everything to click.
There is no better final expense telesales training out there.
What happens when you join us
Step 1
Your Brokerage Manager
You are assigned a Brokerage Manager — your sales coach for one-on-one mentoring. Brokerage Managers are hand-selected top producers who were six-figure producers on our platform before taking the role. You will have several one-on-one calls with them until you are comfortable with our sales process and technology.
Step 2
Live meetings and self-paced training
You are added to all of our live meetings. Every morning, like clockwork, successful agents share what is working for them, or we listen to calls together and learn from each other. You also get our recorded, self-paced trainings so you can move at your own speed.
Step 3
A live dialing session
When you are ready to take leads, your coach joins you on Zoom for a one-hour dialing session to make sure you understand the technology and to help you navigate your first conversations live. The Zoom session is optional, but highly recommended.
Community
Final expense telesales shouldn’t feel like an island
Being plugged into a community of telesales agents who talk in real time all day is crucial to success. You learn and grow through other people's experience as well as your own, and that alone fast-tracks you and keeps you in growth mode daily.
- Access to the DigitalBGA Community and Agent Chat — our resource and instant messaging platform.
- Daily huddles — live video calls every morning.
- Weekly agency update videos covering everything new with carriers, leads, training and technology.
- Portal access to recorded training, underwriting cheat sheets and carrier resources.
- An invitation to the DigitalBGA Annual Conference, every February.
- Daily, weekly and monthly leaderboard distribution.
We call it a community. It’s really family.
Every day agents share situations and how they navigated them in Agent Chat and on our daily huddles. You have a direct pulse on everything happening at all times — ask a question and you will get an answer in minutes.
Watching agents consistently issue $5,000–$10,000 a week on the same leads you’re working removes all doubt that the process works if you commit to it.
The community also keeps DigitalBGA accountable for lead quality, consistent lead flow, technology upgrades and training. We look after each other, encourage, support and celebrate one another.
Commissions
Top contracts, vested renewals, no hostages
110% to start
Everyone starts at 110% commissions and can increase based on production. Our lead prices run at our cost to generate them.
Renewals vested on day one
Sell a policy today that stays active for ten years and you are paid on it for ten years — even if you leave us tomorrow.
Open release policy
If you want to pursue another opportunity, we will not hold your contracts, as long as there is no debt owed to a carrier.
Build your own agency
You have the ability to recruit to our platform and offer your agents our technology and leads.
Testimonials
Agents on our final expense platform
I went from 6 sales in the insurance industry TOTAL to a $62,000 month, 3 months into working with this IMO (DigitalBGA). DigitalBGA is my second family. I have written about $500,000 in AP yearly and hope to surpass that.
The DigitalBGA platform allows me to make more money over the phone, rather than drive 150-200 miles per day. I typically write $40,000 to $60,000 in AP monthly. I close 22-27% of my TV Call In leads. DigitalBGA has given me more time with my family, lowered my stress level and eliminated wasted time.
Leads are key to the business. You can tell that DigitalBGA’s leads have high intent. I have a community of DigitalBGA agents who are here to support me and inspire me. I sold $34,000 in AP in a month after getting started.
Since joining DigitalBGA, I’ve been able to help more families and earn more income than any other time in my career. I truly feel I’ve found a forever home here at DigitalBGA and can’t see myself anywhere else.
They constantly tweak and make the process better so we can write more business… Because of their constant strive for excellence, this month I’ve written $75,000 in business and have consistently written between $25,000 to $150,000 of written premium per month. That would not be possible without the perfected process of DigitalBGA’s system.
I did not have insurance experience prior to joining DigitalBGA. I was a little skeptical about how it would work. But the processes, support, systems and training for DigitalBGA was amazing. It helped me get up to speed extremely quickly and grow a viable, profitable business.
How to work with DigitalBGA
You must fit all three of these requirements
Requirement 1
Invest in your business every week
Whether you are buying our inbound calls or generating your own leads, we only ask that you commit to investing in your business. We have every resource you need, but steady, constant lead flow is the cornerstone of your business and the key to your success.
Requirement 2
Hold at least five state licenses
Or be willing to pick up more. Applying is as easy as making a payment online through NIPR, and each license costs between $50 and $150 depending on the state. We require this so your lead flow stays consistent — with only a few states, the platform will not work for you.
Requirement 3
All final expense contracts with DigitalBGA
No exceptions. If you need releases, that has to happen before we give you access to our platform, training and leads. These include Aflac, Aetna, American Amicable, CICA Life, Gerber, Guarantee Trust Life, Liberty Bankers, Mutual of Omaha, RNA, SBLI and Transamerica.
Worth noting: we have an open-release policy. If this doesn’t work out for you — and telesales isn’t for everyone — we’ll release you immediately, as long as there is no debt at any carrier.
Next steps
If you meet all three criteria, let’s talk
Register for the opportunity webinar we hold twice a week. Ask any and all questions, get the full picture of the platform, and we'll both decide whether there's a fit.
Questions first? Email support@digitalbga.com or call 888.510.1275.