Independent Agent Opportunity
Build Your Life Insurance Business.
We’ll Build the Machine Around You.
DigitalBGA gives independent life insurance agents the leads, technology, carrier access, compensation, coaching and community to build a serious telesales business - all connected in one platform.You stay independent. We make independence easier.
See the platform, review where your compensation would start, and find out if DigitalBGA is the right place to build your business.
- Term Life Insurance
- Whole Life Insurance
- Final Expense Life Insurance
- Indexed Universal Life
- Fixed Indexed Annuities
- Ancillary Products
Leads. Technology. Contracts. Coaching. Community.
Everything you need to sell - without having to build everything yourself.
High-Intent Inbound Calls
Get access to consumer-initiated TV and web calls generated from DigitalBGA advertising.
Competitive Compensation
Start at 100% or we'll match the contract level you already have today with proof - then follow a published path to higher compensation.
A Connected Technology Stack
From inbound calls to CRM automation to managing your entire book of business, DigitalBGA technology follows the complete lifecycle of your clients.
Competitive Carrier Access
Access a broad portfolio of life insurance carriers and products designed to help you place more business.
Your Own Brokerage Manager
Every agent gets a dedicated sales coach and point of contact inside DigitalBGA.
A Community of Producers
Daily meetings, live call reviews, training and an active community of agents working the same opportunities you are.
Compensation
Commissions That Grow With Your Production
No guessing. No negotiating every increase. No moving target.
Most independent agents have no idea what it takes to earn their next contract increase. At DigitalBGA, we publish it.
Everyone starts at 100% - or we match the contract level you already have today. Bring us proof of your current level and we’ll match it. From there, your production determines how high you climb.
Two Paths. One Ladder.
Path one
Independent Agent Path
Build your personal production and move through published commission levels from 100% up to 140%.
We’ll match what you have or if you’re new, start you at 100% contract levels and coach you up the compensation ladder.
You can switch to an agency once you demonstrate success.
100% → 140%
Path two
Agency Path
Building a team? Your personal production plus the production of your hierarchy counts toward your compensation level.
The published Agency Path scales through 145% with an opportunity for a direct contract at the highest production tier.
Plus real-time reporting on your entire downline - production, placement and debt by carrier and by agent.
Through 145%
| Agent Path(Issued/Paid Annual Premium) | Commission % | Agency Path(Issued/Paid Annual Premium) |
|---|---|---|
| $0+ | 100% | Not Available |
| $5,000+ | 105% | Not Available |
| $10,000+ | 110% | Not Available |
| $15,000+ | 115% | Not Available |
| $20,000+ | 120% | $50,000+ |
| $25,000+ | 125% | $100,000+ |
| $35,000+ | 130% | $200,000+ |
| $50,000+ | 135% | $400,000+ |
| $75,000+ | 140% | $800,000+ |
| Not Available | 145% | $1,500,000+ |
| Not Available | Direct Contract | $2,500,000+ |
The percentage shown is your DigitalBGA contract commission. Some carriers and products pay differently - see the DigitalBGA comp grid for levels by carrier, renewals and graded business. Debt owed to DigitalBGA or your direct upline must be cleared before a promotion applies.
The More Business You Build, the More of It You Keep.
Hit the required issued-and-paid monthly production for three consecutive months to qualify for the next contract level.
Compensation adjustments are processed during our scheduled six-month compensation reviews.
And compensation isn’t the only thing you get.
Every DigitalBGA Agent Gets:
- Fully vested from day one
- Open release policy
- Access to all DigitalBGA lead options
- DigitalBGA CRM
- Agency Management Platform
- Reporting and analytics
- Training and sales resources
- DigitalBGA agent community
- Your own Brokerage Manager
All for a $99/month platform fee.
Talk with a Brokerage Manager and we’ll review your existing contracts and show you where you would enter the DigitalBGA commission ladder.
Leads
Stop Chasing Leads. Start Taking Calls.
There’s a big difference between buying someone’s information and talking to someone who just picked up the phone and asked for help.
DigitalBGA produces our own final expense advertising and generates consumer-initiated inbound calls for our agents.
Instead of spending your entire day trying to convince prospects to answer their phones, spend more of it doing what actually generates revenue: having conversations.
TV Inbound Calls
They see the commercial. They call. You answer.
- Strict advertising guidelines
- We show you the commercials we're running.
- Take calls on your schedule.
Our advertising is intentionally designed around the amount of protection consumers need rather than simply advertising the cheapest possible premium.
$1,200
Historic average annual premium on DigitalBGA TV calls.
Web Inbound Calls
They qualify themselves, then choose to call.
- Consumers see DigitalBGA advertising on platforms such as Facebook, YouTube and other digital channels.
- They move through an online journey that verifies basic information such as age and health eligibility.
- Then they choose to call.
The prospect comes directly into the DigitalBGA platform so you control the conversation from the beginning.
Prefer Outbound? We have that too.
DigitalBGA agents can also access agent-branded Facebook lead campaigns. Your name, photo and phone number can be incorporated into the consumer journey so the prospect knows who they’re working with.
The leads automatically post into the DigitalBGA CRM, where your dialer and automated follow-up take over.
Inbound. Outbound. Or both. You decide how you want to build your business.
Technology
Your Entire Insurance Business. One Connected Platform.
We didn’t buy a generic CRM and slap our logo on it. We built our own technology around the way life insurance agents actually sell, manage and grow their businesses.
From the first inbound call, to the application, to protecting that policy from lapsing, to finding the next opportunity inside the client’s household - your business stays connected.
InsuranceCallsDirect
Where the conversations begin.
Where DigitalBGA inbound opportunities are purchased and delivered. You choose the opportunities you want. You choose when you’re available.
Toggle on. Take calls. Toggle off. No complicated lead distribution system to manage.
DigitalBGA CRM
Turn conversations into clients.
Built specifically for life insurance telesales - not adapted from software designed for dentists, gyms or real estate agents.
AMP
Selling the policy is only the beginning.
Your entire DigitalBGA book of business in one place - every policy, every status, and the opportunities hiding inside it.
Inside the CRM
One-Click Quoting
Use information already in the CRM to quickly generate life insurance quotes without repeatedly entering the same client information in different platforms.
Built-In Dialer
Your leads automatically flow into your CRM. Hit the dialer and start talking to prospects. Our dialer calls the next most valuable lead automatically.
Automated Follow-Up
Prospects who don’t answer can automatically receive customizable text and email follow-up.
Spam Flag Monitoring
If your phone number is flagged as spam, we’ll alert you and show you how to remediate your numbers - or simply switch to a different phone number.
Bank Account Verification
Verify routing and account information in real time and receive additional information designed to help improve placement.
We deposit $0.01 into an account to verify if it’s real. We also let you know if it’s Chime, CashApp, NetSpend or other low placement banks.
Actionable Reporting
Track performance across calls, lead sources and time periods: contact rate, quote rate, sales rate, lead cost, placement.
Compare your results against DigitalBGA benchmarks so you know exactly where to improve.
Find the Opportunities Hiding Inside Your Book
Most independent agents have business scattered everywhere - one carrier portal here, another login there, spreadsheets, emails, commission statements. AMP puts your entire DigitalBGA book in one place and does the digging for you.
Cross-Sale Opportunities
Existing clients who may have needs beyond the policy they originally purchased.
Reinstatement Opportunities
Former policyholders who may be candidates to bring coverage back in force.
Lapse Prevention
Clients who need attention before an existing policy disappears. A pending lapse is a client you're about to lose.
Book-of-Business Opportunities
Actionable data sitting inside your existing client base that you never had time to find manually.
AI-enabled
Now Give AI Access to Your Business.
We’ve MCP-enabled all three of our core platforms: InsuranceCallsDirect, where your inbound opportunities originate. The DigitalBGA CRM, where you manage leads, conversations and sales. And AMP, where you manage your entire book of business.
That means you’re no longer limited to the reports, automations and dashboards we decide to build. Connect supported AI tools such as Claude or ChatGPT and interact with your DigitalBGA business data in entirely new ways.
Don’t Wait for Us to Build the Dashboard.
Want a report we haven’t created? Build it. Want an automation specific to how you run your business? Build it. Want to analyze years of sales and policy data looking for patterns? Ask it.
Most insurance technology tells you
What happened?
Yours should answer
- Why did it happen?
- What needs my attention?
- Where's my next opportunity?
- What should I do next?
- What can I automate?
An operating system for your insurance business.
Imagine asking your business
One Connected Lifecycle
InsuranceCallsDirect
Generate the conversation.
DigitalBGA CRM
Turn the conversation into a client.
AMP
Manage, protect and grow the relationship.
AI + MCP
Analyze, automate and build around all of it.
Sell more. Lose less. Find more.
Training
Great Leads Don’t Matter Without a Great Sales Process.
You can put an incredible lead in front of an unprepared agent and still lose the sale. That’s why DigitalBGA isn’t simply a place to get contracted and buy leads. We teach you how to sell them.
Our final expense telesales process focuses heavily on discovery, education and connecting the coverage a client purchases to the people they’re trying to protect.
DigitalBGA has historically averaged more than $1,000 in annual premium using this sales approach.
And training doesn’t stop after onboarding.
You’ll learn how to:
- Conduct better discovery conversations
- Ask better probing questions
- Build value before presenting price
- Create urgency without high-pressure selling
- Address objections before they become objections
- Perform effective policy reviews
- Improve placement and persistency
- Generate additional opportunities from existing clients
- Create introductions and referral opportunities naturally
- Control a telesales conversation with confidence
Coaching
Meet Your Brokerage Manager
You’re independent. You’re not on your own.
Every DigitalBGA agent is assigned a Brokerage Manager - your personal sales coach and your point person inside DigitalBGA.
Our Brokerage Managers aren’t recruiters who have never sold a policy. They’re selected from agents who succeeded on the DigitalBGA platform themselves. They understand the leads, the sales process, the technology, the carriers and the numbers - and they’ll help you improve yours.
Your Brokerage Manager can help you:
- Get contracted and onboarded
- Learn the technology
- Choose the right lead strategy
- Review sales calls
- Diagnose your numbers
- Improve your sales process
- Navigate difficult underwriting situations
- Understand carrier options
- Improve placement and persistency
- Grow your production
- Work toward your next commission level
During onboarding, your Brokerage Manager can even work alongside you during live Zoom dialing sessions while you get comfortable with the platform and your first conversations.
No massive recruiting webinar. No endless funnel. Just a conversation with someone who understands the business.
Community
Don’t Sell From an Island.
Working remotely gives you freedom. It can also get lonely pretty quickly. DigitalBGA surrounds you with other agents selling the same products, working the same leads and using the same technology you are.
When somebody figures something out, everybody gets better.
Daily Huddles
Live conversations around sales, leads, carriers and what's happening in the business.
Live Call Reviews
Listen to actual conversations and break down what worked, what didn't and what could have been handled differently.
Agent Community & Chat
Ask a question and get input from people dealing with the same situations every day.
Recorded Training
Learn at your own pace from our sales and product training library.
Carrier & Underwriting Resources
Access cheat sheets, training and product information when you need it.
Weekly Updates
Stay current on carrier changes, technology, training and new DigitalBGA initiatives.
Agent Leaderboards
Know where you stand and see what other agents are producing.
Events & Conference
Connect with the DigitalBGA community beyond the phone and Zoom.
Built for Agents Who Actually Want to Sell.
DigitalBGA isn’t the right place for everybody. We don’t need it to be. We’re building for producers.
You may be a great fit if:
- You want to sell life insurance remotely
- You want access to high-intent inbound opportunities
- You want competitive compensation with a transparent path upward
- You want technology built specifically for telesales
- You want your entire book of business in one place
- You want AI to help you analyze and automate your business
- You're willing to invest in leads and your business
- You want coaching
- You want to be surrounded by productive agents
- You're coachable
- You're serious about getting better
You don’t need to know everything before joining DigitalBGA. But you do need to be willing to work.
So, What Happens Next?
Schedule a Conversation
Choose a time to talk with one of our Brokerage Managers.
Tell Us About Your Business
Your experience, licenses, current carriers, current compensation, production, lead strategy and what you’re trying to build.
Already have higher contracts? Bring us proof and we’ll see where we can match you.
See How DigitalBGA Works
The leads, the technology, the carriers, the commission structure, the training, the community, the support - and what your business could look like on the platform.
Decide If We're a Fit
No endless recruiting funnel. Understand the opportunity, ask your questions, and decide whether DigitalBGA is the right place to build.
You Don’t Need Another IMO.
Another carrier contract isn’t going to change your business. Another CRM isn’t going to change your business. Another lead vendor isn’t going to change your business. And another motivational Zoom isn’t going to change your business either.
You need a better machine.
A machine that creates conversations.
A machine that helps you turn those conversations into clients.
A machine that keeps track of the business you've already written.
A machine that finds the opportunities you've been missing.
A machine that gets smarter as technology gets smarter.
A compensation structure that lets you keep more as you produce more.
That’s DigitalBGA.
You bring the license. You bring the work ethic. We’ll bring the machine.
Schedule a conversation and see where you would start with DigitalBGA.
Commission percentages shown represent DigitalBGA contract levels. Individual carrier and product compensation may vary. Production requirements are based on issued-and-paid annual premium, and outstanding debt to DigitalBGA or a direct upline must be resolved before a promotion applies.