What Are The Leads Like?

Although you are not required to buy our leads, you'll see that we have some incredible options that are available to our agents. We only sell leads to agents that are part of our program.

AEP leads

AEP is a great season to write some business. That said AEP business can be the toughest policies to keep on the books. The best source of these are referrals. Be wary of investing too much of your start up funds into AEP leads. When you do it, make sure you're getting leads that are from a more exclusive type of source. Most clients getting telemarketed are being telemarketed a lot by a lot of companies.

Year-round Leads

Telemaketed Medicare Supplement Leads

Many of our agents look forward to being able to write Medicare Supplement business and it can be hard to get those kinds of leads.

The best way to get a Medicare Supplement lead is to optimize the data you're marketing and telemarketing that data. Because of it, we have a subsidized telemarketer program that can't be beat. Our secret sauces is we've found the best way to hire telemarketers. Most brokerages don't consider where their telemarketers come from and it's a big mistake.

Here's what it looks like:

Each telemarketer you hire will work a 4 hour shift per day at $3/ hour. Each one should return about a lead per hour depending on how you ran your data. We recommend a full-time agent run between 3 and 8 telemarketers (this amount depends mostly on how strong your follow up game is).

Here's what the costs look like:

  • Our 1 time reduced rate to hire each telemarketers: $750. This includes training the telemarketer, your onboarding and a 3 month guarantee that the telemarketer will remain on board.

  • Monthly rate for data: $60 (same regardless of number of telemarketers)

  • Monthly cost of a dialer for each telemarketer: $120.

  • Hourly rate for a telemarketer: $3.


These telemarketers can be used to generate Medicare Supplement re-write business or Turning 65 business. Let's talk more about Turning 65 next.

Turning 65

Turning 65 leads are the caviar of Medicare production.

More Commission

Medicare Advantage clients pay a higher initial commission. You're making $573 in most states instead of a pro-rated amount based on the $287 of a renewal commission.

More Renewals

Younger clients will renew at a higher rate than older clients. They tend to be more content for longer. As their lifestyles change you'll be there to offer support. Think of the referrals you can get from people who are still out talking about going on to Medicare with their friends.

More Cross-sale Opportunities

Clients coming off employer coverage are more likely to buy cross-sale products like life insurance, Dental / Vision / Hearing, and Hospital Indemnity coverage. Cross-sales to people coming on to Medicare can increase your attachment rate to around 75%. Make more off the same leads.

Downsides

Could there possibly be a downside to turning 65 business? Yep. The biggest downside is there will be follow up with these leads. You have to get in front of them early to make sure you have the first swing at the business. Also, the sales process can take a little more time as you're having to teach them about Medicare. We can help you minimize these downsides as much as possible and help you get paid more and quicker.

Turning 65 Web Opt-in Leads

This is a revolutionary lead that gives you a low cost shot at Turning 65 clients.

These are high call volume leads that are not for everyone. It is a low cost way to develop a book of business, but has a lower response rate than other forms of leads. These leads are for agents looking to turn time on the phone into high profits. We do all we can to help you automate the response process for these leads. We highly recommend discussing this option with your Brokerage Manager before moving forward.

These leads are $2 each.

Cross-selling Final Expense Leads

For agents that are just starting out and who do not have the runway for working for reduced compensation the first year we recommend that agents get into a Final Expense / Medicare cross sale program. You'll get both sets of contracts, you'll primarily get Final Expense leads to help pay the day-to-day bills and we'll filter in the Medicare leads as time goes on.

As your income grows, you'll be able to invest more and more into your Medicare business. You'll also be able to start offering Medicare to your Final Expense clients. Most Final Expense clients are on a Medicare plan and would make a great client for you. By the time AEP comes around, you'll have had an opportunity to fine tune your skills and make the most of a profitable dedicated Medicare season.

The Tele-sales version of Local Marketing

Local marketing? From a tele-sales company? Of course!

Local marketing doesn't mean you have to drive door to door to close leads. It also doesn't mean that you have to open a physical office. We have a hybrid method that allows you to keep your sales remote, but take care of some of the staples of the Medicare space.

Why do it? Because local marketing (if done right) can lower your cost of acquisition and build a stronger referral base. This can make it easier to get into the business..

Local Referrals

You can become a local expert to your community and build relationships with pharmacists, property and casualty agents, doctors, and other area professionals that interact with seniors. They can refer business to you and the best part is all this costs you is your time and some print material.

Seminars

One of the holy grails of local marketing is the seminar. Seminars give you the opportunity to present face-to-face to a group of people and end up closing them later over the phone. Here at Digital BGA we'll connect you with the right mail house to invite people to your seminar (and manage your RSVPs), Provide you with a proven presentation, and train you how to negotiate with local vendors like restaurants to set up your event. We have a seminar-in-a-box training that will get you moving forward.

Local Web Presence

A little known fact is that search engines like Google actually give some help to the little guy, if they believe the business is offering a local service. We can train you how to set up an online presence with things like Google My Business to make sure that you're able to be found in the new version of the phone book for your local area. Being in your area can build trust with clients.

Local Marketing

As you grow, we can support your local marketing efforts no matter your approach. Print, Digital ads, or even television advertising. We have a team of creative marketing pros that can help you build a local marketing campaign that will get your phone ringing off the hook and help you make a dent in your community.

Turning 65 leads are the caviar of Medicare production.

More Commission

Medicare Advantage clients pay a higher initial commission. You're making $573 in most states instead of a pro-rated amount based on the $287 of a renewal commission.

More Renewals

Younger clients will renew at a higher rate than older clients. They tend to be more content for longer. As their lifestyles change you'll be there to offer support. Think of the referrals you can get from people who are still out talking about going on to Medicare with their friends.

More Cross-sale Opportunities

Clients coming off employer coverage are more likely to buy cross-sale products like life insurance, Dental / Vision / Hearing, and Hospital Indemnity coverage. Cross-sales to people coming on to Medicare can increase your attachment rate to around 75%. Make more off the same leads.

Downsides

Could there possibly be a downside to turning 65 business? Yep. The biggest downside is there will be follow up with these leads. You have to get in front of them early to make sure you have the first swing at the business. Also, the sales process can take a little more time as you're having to teach them about Medicare. We can help you minimize these downsides as much as possible and help you get paid more and quicker.