Life insurance platform
Term, GUL, IUL and whole life — sold entirely over the phone
We simplify the selling of term, GUL, IUL and whole life over the phone: a free sales automation CRM, a single-page application for nine competitive term carriers, and case management that keeps the paperwork off your desk.
For independent agents. You keep your book and your independence.
What is the DigitalBGA life insurance platform?
What you get
Everything you need to sell term over the phone
The pieces below are the platform. There is no separate software bill and no stack to assemble — you get the CRM, the application, the case management and the lead programs together.
- A free sales automation CRM with one-click quoting and automated text and email follow-up — no software bill to carry.
- An online single-page application for nine competitive term carriers. One form, nine places to send it, instead of nine different carrier portals.
- An emailable application link. When a client wants to finish on their own time, send the link instead of scheduling another call.
- Proactive case management. We collect e-signatures, schedule and follow up on exams, and chase requirements until there is an offer.
- High ROI lead programs. In-house and partner lead programs, sold to you at cost.
How the platform works
From quote to offer without leaving the phone
Term and fully underwritten cases die in the gap between the application and the offer. This is how that gap gets covered.
Step 1
Quote and apply in one place
Quote with one click off the record already in your CRM, then drop straight into the online single-page application. Nine competitive term carriers share the same form, so you are not learning a new portal every time you switch carriers.
Step 2
We take the underwriting work
We collect e-signatures, schedule the exam and follow up on it, and keep collecting requirements until there is an offer. If the client would rather finish alone, send the emailable application link and let them.
Step 3
Proactive case management
Cases are worked for you rather than parked until you ask. The point is simple: term and fully underwritten business has a long tail of paperwork, and none of it should be the reason you are off the phone.
300+
digital life insurance agents
Daily
live telesales training
In-house
TCPA-compliant leads
Zero
TCPA & HIPAA agent liability
Every agent gets
The telesales CRM built by life insurance agents
Dialer, email and SMS automations, reports on contact and placement, recorded calls, one-click quoting, field underwriting, and bank account verification — in one system, shared across both DigitalBGA platforms.
- Dialer built for telesales volume
- Email and SMS automations
- Reports on contact and placement
- Recorded calls
- One-click quoting
- Field underwriting
- Bank account verification
Why it matters
Zero TCPA / HIPAA liability
If you are working a DigitalBGA lead in the platform, TCPA calling windows and DNC rules are enforced in software. PHI is processed on AWS under a HIPAA-aligned program, so agents can offer products that used to require a controlled call center.
Leads
In-house and partner lead programs at cost.
Training
Daily live telesales coaching.
Contracts
Top-level carrier contracts, one grid.
Tech
CRM, dialer, SMS, email, quoting, recordings.
Check our math
Run the numbers before you contract anywhere
Both calculators are free, work without an account, and are loaded with our live numbers as the defaults. Change the assumptions to match whatever offer is in front of you.
Term calculator
An “awesome” term contract pays 110% of premium and treats the policy fee as commissionable. A “normal” contract pays 95% after subtracting a $90 non-commissionable fee. The tool multiplies that gap across the policies you actually place, then adds the first-year commission you would keep if half the apps that currently fail underwriting were recovered — the simplified-issue advantage.
Income estimator
Plug in cost per lead, leads per day, conversion, spouse sale rate, average premium, commission, placement and advance, and the model shows lead spend, in-force premium, net profit after leads, and as-earned first-year commissions still receivable. It also grades your conversion against our published benchmarks — on web leads, a 4% sales rate is the minimum and 10%+ is the target.
Both are planning sheets, not carrier quotes or promises of income. We publish the assumptions so you can argue with them.
From the community
Agents who moved their life business here
The systems that DigitalBGA have created are perfectly designed for high volume telesales. The single page application ticket is simple and can be completed in minutes for many top carriers. I have increased my business since joining in 2017 a huge amount while saving on operating expenses since the top of the line crm is provided at no cost to me.
They combine technology and great staff helping us agents every step of the way. I no longer have to chase every piece of paper or other requirements from the carrier. This is cutting down service time and is allowing me to focus on helping more clients secure the coverage they need.
In the past, I was spending 60-70% of my time on paperwork. Now that’s handled by DigitalBGA. I do everything virtually. They provide all the training and support. Their technology has been second to none in helping me automate my business.
Next steps
How joining works
Step 1
Talk to us
Read the offer, then schedule a call. We will walk through the CRM, the lead programs and the contract grid, and we will both decide whether there is a fit.
Step 2
Get contracted
Top-level carrier contracts on one grid, so you are not tracking a different level at every carrier.
Step 3
Plug in
You get the CRM, leads, training and contracts. You stay independent — DigitalBGA is a brokerage general agency, not an employer.
Selling final expense instead? Read the final expense offer.
Ready to sell life over the phone?
Schedule a call, ask every question you have, and see the platform for yourself.
Questions first? Email support@digitalbga.com or call 888.510.1275.