Cover - Digital BGA Review – For Agents Thinking Of Joining

Digital BGA Review – For Agents Thinking Of Joining

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with Digital BGA. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Digital Brokerage Agency directly, reach out to them here.

Are you looking for an unbiased review about Digital BGA?

Are you compelled about the idea of selling life insurance over the phone like final expense telesales or term insurance?

If so, you found the right article!

Today, I review how Digital BGA works for interested agents.

My goal is to pull back the curtain on the Digital Brokerage Agency opportunity, how their insurance leads work, and end with my thoughts on Digital Senior Benefits relative to other insurance IMOs.

Let’s get started!

NOTE: Are you an aspiring or new insurance agent looking for more insight on how the insurance sales industry works? Check out my free New Insurance Agent Resource Guide to help answer many of your questions (as well as ones you didn’t know you had!).

PS: Check out my insurance sales jobs reviews of other agencies for more information.


Digital BGA Basics


Let’s start our Digital BGA review on how their insurance agency opportunity works, and how it is different from others.

Digital BGA is owned and operated by 2 individuals with long-term insurance sales experience, Jeff Root and Nic West.

Both Jeff and Nic have significant experience selling insurance to thousands of prospects, both face-to-face and over the phone.

They created Digital Brokerage Agency to tap into the telesales market for final expense and term insurance, combining the benefits of a brokerage concept to use multiple final expense carriers with the ability to work from home.

Sales Systems

The key factor you must have when selling any insurance over the phone is access to a scalable sales and marketing platform.

Not all insurance telesales agencies offer this. Many claim to but cannot deliver.

The good news is that Digital BGA does a class-act job of delivering an advanced sales platform, as the technology is at the heart of their business model.

Tracking The Numbers

According to their website, the goal with Digital BGA’s technology is to improve contact percentages, sales of those contacts, and then placement of those sales.

The Digital Brokerage Agency platform is more of a community effort. Programmers take suggestions and feedback from its agents on what and how to improve.

Another plus. Unlike other telesales organizations, agents do not have to pay for access to this platform.


In consulting with agents interested in insurance telesales, it’s important they understand that lead selection REALLY matters.

If they have a history of generating leads to sell face-to-face, they may need to change up their strategy to adapt to telesales.

For example, face-to-face agents commonly use lead sources like final expense direct mail and mortgage protection direct mail leads.

Unfortunately, using old-fashioned lead sources doesn’t cut it in the digital age of telesales. Average costs are too high and harder to convert to sales telephonically..

Conducting any sort of telesales strategy, you need leads priced low enough yet of decent quality to allow an exponential return on your lead investment.

Always Innovating At Wholesale Prices

Because Digital BGA primary desire is to profit only when their agents successfully produce, they sell insurance leads much lower than what you’ll find with other final expense leads.

In the Facebook final expense lead world, I’ve seen price increases from all vendors as of late. In fact, the average price per Facebook final expense lead ranges between $20 and $29!

Thankfully, at the time of writing this article about DigitalBGA, this is not the case.

DigitalBGA sells leads to their agents at cost, currently priced $7.00 per lead, AND they guarantee exclusivity. Nice!

That means you can purchase more leads, make more sales, and everybody’s happy!

Although Digital BGA’s primary lead is developed on Facebook, the company constantly tests different lead ideas, from internet leads to final expense telemarketing leads.

Also, Digital BGA requires you to take leads statewide as opposed to a consolidated area. As someone with understanding of Facebook lead generation, this will lower your average cost much more.

And anyways, since you’re calling over the phone, who cares where the client lives, right?

Digital Life Insurance Mastermind

Every year, Digital BGA hosts a fantastic mastermind conference over the course of 2 days.

The purpose of the conference is to train agents on different insurance sales processes, focusing on leveraging telesales and technology.

I personally attended the last Digital Life Insurance Mastermind and was a panelist on a sales panel in 2019.

What I found was that this conference was excellent, informative, and allowed me to network with a lot of really good agents. It was really fun doing it.

What’s cool is that you don’t have to work for Digital Brokerage Agency in order to attend. Just pay the fee, and you’re golden =).

My Thoughts

If you’re not aware, not only do I recruit agents into my agency nationally, I have been selling final expense insurance since 2011.

My point is I think both like a marketer and agent.

When I recruit agents, I want to make sure they are a great fit, an absolute requirement for the best chances to succedd.

This is why I review organizations like DigitalBGA and others. Not every agent is a perfect fit, with many organizations acting as a better fit.

I say all this because Digital BGA offers something special you won’t find elsewhere, and for the right agent, it’s a great fit.

Here’s a breakdown of what I like about Digital BGA…

Well-Oiled System

Unlike many insurance agencies, Digital BGA is a well-oiled machine.

They have their technology down pat. They know what lead sources work well, constantly testing for better results.

And they’ve got good people on staff to train agents to successfully sell final expense and life insurance over the phone.

New agents need support, mentorship, training, and a good lead source to increase their odds of success.

And I believe Digital Brokerage Agency does a great job in providing that.

Great Carrier Selection

Carrier selection is at the forefront of my mind when selling final expense or any life insurance over the phone.

For example, in the final expense telesales world, the most common organizations at most represent 2 companies.

I believe access to too few carriers poses a serious problem for agents concerned about placement and persistency.

Not saying that you can’t experience success in this sales model.

However, I’d prefer having access to multiple companies. This allows me to place the best policy at the best price available.

In return, this minimizes lapses and chargebacks, increasing my profitability and efficiency.

The good news is that Digital BGA operates as a brokerage.

This means they have access to a plenty of strong carriers in the final expense and life insurance world with a diversity of pricing and underwriting flexibility.

Digital BGA Commission


Along the same lines, Digital BGA is not a multi-level marketing company like so many other insurance agencies.

They’re focused on finding good producers and teaching them how to be successful selling insurance over the phone.

And what this translates into is that there’s not 10 people between you and the top of the food chain taking a piece of every sale that you make.

That’s why Digital BGA offers a much better commission level to its telesales agents relative to other telesales operations.

Every agent has to have high enough commission levels to not just cover lead cost but also receive the multiple on their l ead investment to retain profitability.

Bottom line, Digital Brokerage Agency is extremely fair and generous with its agents on commission levels.

The One Drawback

There is one major drawback to working with Digital BGA that all insurance agents should carefully consider.

And it’s this…

You sell exclusively over the phone, so make sure you understand the ramifications.

Now don’t get me wrong. I’m not suggesting that selling over the phone is a bad idea or doesn’t work.

That’s far from the truth!

What I mean is that some agents simply do not perform well in a telesales type of environment. And you need to figure out if that’s you or not.

2 Specific Drawbacks

There’s really 2 reasons why this is the case.

First, if the idea of being “chained to a desk” bothers you, telesales is probably not for you.

Successful telesales requires constant dialing all day long. You literally have to dial from 8 or 9 in the morning till 7 or 8 at night.

In fat, many top producers at Digital BGA put in twelve-hour days, constantly pitching, constantly closing.

For some agents, this is a drag. It feels like you’re stuck at your desk and you can never move.

You have to call and call and call, and sometimes the experience makes the thought of seeing people again face-to-face more appealing.

So take time to consider if telesales is for you. Do you really like the idea of selling over the phone? Are you really well-suited to the business model?

If not, a traditional face-to-face insurance sales effort like what I teach my agents is probably a better idea.

However, if you love the idea of selling over the phone, Digital BGA is a great opportunity.


Overall, Digital BGA is at the forefront of the final expense and life insurance telesales market. They have everything you’d want if you have a penchant towards selling over the phone.

Their support, training, access to strong leads, and ongoing assistance will help new agents develop into top producers.

Even though I don’t do any business with them, I highly recommend them in many cases when I run across somebody who is more oriented towards telesales.

If you have any questions, feel free to message here with your thoughts, or you can leave a comment below. I always entertain constructive criticism.

If you’d like to learn more about my agency and how I help insurance agents across the nation become top producers in final expense, annuities, Medicare Advantage, mortgage protection, please check out this page here.

30+ Hours Insurance Sales Training, Scripts, Books, And More... Yours FREE!
Claim nowimage
Our Picks
Join Us On Our Socials