Hey, it’s David Duford with The DIG Agency—glad you’re here.

Let’s cut straight to it. If you’re a brand-new insurance agent—or even just thinking about jumping into the insurance game—you might be wondering: Which product should I sell?

There are a ton of options out there: term life, whole life, mortgage protection, annuities… it’s overwhelming.

But at The DIG Agency, there’s a reason we almost always start new agents off selling Final Expense Insurance.

It’s not because it’s easier (though it is), or because it’s basic (though it’s simple). It’s because Final Expense sets you up to win fast, win often, and build a business that can grow with you as your skills and experience do.

Let’s break down why.

Why Final Expense Is the Easiest Insurance Sale You’ll Ever Make

Most types of life insurance involve complex applications, long underwriting periods, and a whole lot of waiting around.

With term or whole life policies, you might have to wait weeks or even months before your client is approved. That’s frustrating for them—and for you.

Final Expense flips that on its head.

Here’s what makes it different:

• Instant Approvals: Most Final Expense carriers give you an underwriting decision right over the phone—or even through a text or email—before you hang up or leave the client’s home.

• No Medical Exams: These are simplified issue policies, so you’re not waiting on labs or doctor’s visits.

• Faster Commissions: Because policies are approved instantly, your commissions process faster. You sell today, get paid fast, and reinvest into your business immediately.

That means you’re not stuck twiddling your thumbs while underwriting drags on. You can close more sales, earn more income, and build momentum—fast.

A Massive Market That’s Growing Every Day

Let’s talk about the audience for a second.

You don’t need to “create demand” for Final Expense. The market is already there—and it’s exploding.

Every single day in America, 10,000 to 12,000 Baby Boomers turn 65. And that’s not slowing down anytime soon. In fact:

• Seniors make up about 11% of the U.S. population today.

• That number is projected to grow to 17% by 2040.

These aren’t just numbers. These are people who need coverage, right now.

Most of them are either on a fixed income or nearing retirement. They’ve been thinking about their legacy, their family, and their end-of-life costs. They know they need a solution that’s affordable, simple, and easy to qualify for—and that’s exactly what Final Expense delivers.

This market isn’t just large—it’s predictably large, which gives you consistent opportunity for years to come.

Why It Works: The Mindset of the Final Expense Buyer

You’ve probably heard the phrase: “Sell the right product to the right person at the right time.”

Final Expense hits all three.

Here’s why:

• The buyer is ready. Seniors in their 60s, 70s, and beyond know they need to handle funeral costs, medical bills, and other end-of-life expenses.

• They’re realistic. They aren’t shopping for million-dollar policies. They want a $10,000–$20,000 policy that does the job without breaking the bank.

• They often buy the same day. With the right presentation and product, you can write a policy in a single conversation.

That makes this an ideal product for new agents. There’s no guesswork, no need to “build a relationship for 12 months” before closing, and no massive wealth planning involved.

Just clear need + simple solution = quick sale.

Commissions That Build Your Income AND Your Confidence

Now, let’s talk about the money.

Final Expense isn’t just fast—it pays well. In fact, new agents regularly earn first-year commissions between 100%–120% of the annual premium. Some carriers offer even more with bonuses.

For example, if you sell a $50/month policy, that’s $600/year. On a 110% commission, you’re looking at $660 for one sale.

Multiply that by a few sales per week, and you’re well on your way to:

• Covering your bills

• Reinvesting in leads

• Saving for future opportunities

• Building a real six-figure career

Better yet, you can scale this with high-quality lead flow. That’s the secret sauce we help agents with—access to the right training and systems to consistently generate appointments and turn those into income.

Flexibility That Grows With You

One of the biggest reasons we recruit agents into Final Expense is because it’s a perfect foundation.

Once you learn how to generate leads, set appointments, overcome objections, and close deals—you can go anywhere from there.

Final Expense teaches you the core sales skills you need in this business:

• How to handle rejection without quitting

• How to communicate value clearly and confidently

• How to manage your time like a business owner

These skills don’t just make you money now—they set you up for long-term success if you decide to move into other markets like Medicare, annuities, or mortgage protection later.

You’ve got options. But it all starts here.

Why Agents Stick With Final Expense (Even After “Graduating”)

A lot of agents come into Final Expense planning to “graduate” to more complex products. And that’s totally fine.

But you know what happens more often than not?

They stay.

Why? Because Final Expense:

• Pays well

• Doesn’t require a medical degree to explain

• Gives them control of their schedule

• Provides recurring income if they manage renewals right

• And helps real people in their time of need

There’s a certain satisfaction that comes from knowing you’re providing peace of mind to seniors—and doing it in a way that keeps your business thriving.

You Bring the Hustle—We Bring the System

At The DIG Agency, we’re looking for people with discipline, heart, and hustle.

Final Expense is the best place to channel that energy. It’s not magic. But it’s predictable. And it works.

If you’re coachable, consistent, and willing to invest in yourself, you can build a six-figure income serving people who need what you offer.

We’ll teach you:

• How to generate and work leads

• How to structure your day for success

• How to close sales with integrity

• And how to build a business that doesn’t burn you out

Final Expense is the vehicle. You’re the driver. We’re the GPS.

Final Thoughts: The Best First Step You Can Take

There are a million ways to sell insurance. But not all of them are created equal—especially for new agents.

Final Expense gives you a product that’s simple to explain, fast to sell, and backed by a massive, growing market. It’s a business you can scale or keep lean. A career that pays quickly, and a mission that feels meaningful.

At The DIG Agency, we don’t just hand you a script and wish you luck. We train you, coach you, and equip you to succeed.

Ready to get started?

Let’s make your first step the right step.

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Thank You For Reading

Thank you for reading. In addition to growing our team, my company also offers products and services to help independent insurance agents increase their production and profitability.

If You’re Looking to Join an Agency

The DIG Agency specializes in helping agents become top producers selling final expense life insurance 100% from home using our free lead system. We provide high-quality training, expert coaching, and the technology tools you need to succeed — whether you want to work part-time or build a full-time career.

As your skills grow, you’ll have the option to transition into a broker role, where you can buy your own leads, earn higher commissions, and even build your own team — all without any forced recruiting or MLM gimmicks.

If you’re serious about building a real career in final expense sales, visit https://www.davidduford.com to learn more. Watch the Overview Video on the homepage to see exactly how our system works.

If You’re Already an Agent and Want Better Leads and Tools

Whether you’re independent or already working with another agency, we can help you get more high-quality leads and streamline your sales process. Here’s what we offer:

• FE Leads Direct
  Order exclusive final expense leads at wholesale pricing through our done-for-you lead management system. These are the same leads our top producers work every day. Learn more at https://www.GetFELeads.com.

• DIG Dialer
  Designed for insurance agents selling any product, the DIG Dialer helps maximize your calling efforts. It’s the same dialer we use at The DIG Agency and has boosted our presentation rate by up to 300% compared to other dialers. If you want more presentations and more sales, visit https://www.digdialer.com for details.

• Final Expense CRM
  If you’re a final expense agent looking for a field-tested CRM to manage your leads and clients, check out Final Expense CRM. Designed specifically for remote sales, it features Grace AI to help pre-set appointments and automate follow-ups to increase your sales opportunities. Try it for free for 14 days at https://www.finalexpensecrm.com.

Wherever you are in your career — new agent, experienced producer, or independent broker — we’ve got the tools, training, and resources to help you sell more, earn more, and build the business you want.