Free leads agents start at 40% and can move to 50% when sales quality and retention prove it.
Final expense sales, rebuilt
Free leads. AI-screened live calls. Elite phone sales training.
Stop paying thousands a week for leads before you know if you can sell. Our free leads program carries the lead cost, filters the junk, and puts coachable agents in front of real final expense conversations.
The offer
We remove the expensive parts that crush most new agents.
Independent final expense agents often buy their own leads, chase bad data, handle follow-up alone, and learn through expensive failure. In our free leads program, the agency pays for the major ongoing costs and gives you a cleaner sales lane.
Most carriers advance commissions up front. Peace of Mind pays weekly and follows carrier chargeback rules.
Remote independent contractor opportunity. You provide license, E&O, computer, headset, and stable hardwired internet.
No joining fee, no software seat fee, and no lead bill inside the free leads program.
Filtered conversations
The AI fronts the call before it reaches you.
Our system screens for real humans who are willing to talk to a sales agent about buying final expense coverage. Bad calls can still slip through, but the goal is simple: spend less time fighting noise and more time selling to people who raised their hand.
Filtered out
Voicemail
Filtered out
Wrong number
Filtered out
Abusive caller
Routed live
Interested conversation
lesstime.ai platform
Log in, click available, and let the system put the work in front of you.
Tim Hildebrand designed the lesstime.ai sales dialer and agent platform. The CRM, dialer, scripts, objection handling, AI support, and texting workflows are built around the daily reality of final expense phone sales.
Script appears automatically
When a call connects, the right script opens for that lead type so you know what to say immediately.
One-click objections
Click the objection, handle it, and return to the exact section you were on before the interruption.
AI sales language
Frontier AI helps generate objection responses so you do not run out of ways to say the thing that needs to be said.
CRM and texting workflows
Follow-up, texting logic, organization, and opt-out handling are systemized so you are not staring at texts all day.
Sales mastery
Tim Hildebrand trains agents to beat average, not become average.
Tim has trained a couple thousand people in life insurance phone sales and has overseen millions of dials. If you can receive correction, expose weak spots, and apply training, this is the kind of environment built to push you into a long-term sales career.
Week one prescription
Carrier approval, training meetings, script memorization, dummy quotes, dummy applications, and heavy listening to past sales calls.
Call review that is real
Bring exact timestamps to group training. You get direct correction, metric analysis, and section-by-section coaching without abuse.
What we do not fake
We do not promise one-on-ones as the magic answer. The work is script saturation, recorded calls, metrics, correction, and live repetition.
Reality check
Open door. Fair chance. No fantasy pitch.
No income guarantee
We do not guarantee income, long-term placement, lead volume, or results. Chargebacks are real and you need to understand them before doing commission math.
Most people fail
Some people are not built for sales, cannot take correction, dislike seniors, dislike computer work, or do not want the daily discipline.
Professional conduct required
No toxicity, recruiting, protected-group hostility, abusive conduct, or divisive behavior. The work environment is for serious people.
After free leads
Successful agents can train toward independence.
Free leads can become the training ground for a higher-comp path, usually 100% to 120% on LOA. That path requires budgeting, safe lead buying, TCPA discipline, technology seat costs, and avoiding offshore lead scams. We still pay weekly and do not offer agent-paid-direct contracts.
Agent FAQ
The questions serious recruits ask first.
The short version: this is a remote 1099 final expense sales opportunity with free company-paid leads, screened live calls, weekly payouts, serious training, and real standards.
What does the free leads program pay?
Free-leads agents start at 40% commission and can move to 50% when sales quality, consistency, and retention prove it. That reduced comp is the tradeoff for the agency carrying the lead cost, systems, screening, and platform expense.
Are the leads actually free?
Inside the free leads program, yes. You do not buy the leads, pay a software seat fee, or pay a joining fee. You still pay for your own licensing, testing, E&O, computer, headset, and internet.
What kind of leads are they?
We use a mix of sources and track performance closely. The source matters less than the outcome: our system screens for real final expense conversations so agents spend more time talking to people willing to discuss coverage and less time fighting bad data.
What does the AI screen out?
The system is designed to screen out voicemail, dead air, abusive callers, wrong numbers, people who are not interested, and other noise before an agent hears the call. Bad calls can still slip through, but the lane is built around filtered conversations.
How many calls will I get?
Call volume fluctuates, so we do not quote fake averages. New agents should expect at-bats, not guaranteed volume. Top producers and highly coachable agents who perform well can become very busy.
Is this W2 employment or 1099?
This is a 1099 independent contractor opportunity, not W2 employment. You are responsible for your own licensing, business expenses, tax planning, and professional setup.
Do I need to be licensed?
You cannot sell until you are properly licensed, appointed, and approved. Life and health licensing is preferred. People still working through licensing can start the conversation and get guidance on the path.
Can part-time agents participate?
Yes. Part-time agents can participate, but consistency matters. Do not compare your activity to full-time agents; work the hours you can actually commit and treat those hours seriously.
Is this remote?
Yes. This is remote, nationwide, work-from-home final expense phone sales. You need your own computer, headset, and stable hardwired internet. You should be comfortable working in front of a computer for long blocks of time.
How do weekly payouts and chargebacks work?
Most carriers advance commissions up front, and Peace of Mind pays weekly. Chargebacks are real. If a policy chargebacks, your proportional share is charged back according to the carrier's rules. Do not do commission math as if chargebacks do not exist.
Can I move beyond free leads?
Yes, successful agents can train toward a higher-comp independent path, often 100% to 120% on LOA. That path requires budgeting, safe lead buying, TCPA discipline, technology seat costs, and avoiding offshore lead scams. We do not offer agent-paid-direct contracts.
What does onboarding look like?
Week one is usually carrier approval, training meetings, script memorization, dummy quotes, dummy applications, and listening to past sales calls. The goal is to get you fluent in the script and comfortable with the system before live pressure exposes weak spots.
Do agents get scripts immediately?
Yes. Scripts are available immediately, and when a call connects the system puts the right script in front of you. You are expected to study it heavily and know where you are inside the conversation.
Is roleplay part of training?
Agents can roleplay with each other, but it should be a small part of training. The heavier lift is script memorization, learning the system, practicing quotes and applications, and listening to recorded successful calls.
What does coachable mean here?
Coachable means you can receive correction, expose weak spots, ask questions, and apply feedback quickly. Tim's training is direct because the work is direct: the script, metrics, call sections, and recorded calls show exactly where improvement is needed.
What gets someone removed?
Fraud, misrepresentation, customer abuse, toxic behavior, recruiting inside the group, protected-group hostility, racism, harassment, or divisive conduct can remove someone from the program. The environment is for serious professional work.
Do you guarantee income?
No. We do not guarantee income, long-term placement, lead volume, carrier approval, or results. Most people do not make it in sales. For the right person, the opportunity can be rewarding, but it is still sales and it still requires discipline.
I was referred by DIGITAL BGA. What should I do?
Use the referred-agent path below. Prescreened applicants are treated as first-class applicants, but we still verify the referral, background, licensing status, and compliance fit before activating anyone.
Already screened?
Referred by DIGITAL BGA?
Use the referred-agent path if DIGITAL BGA already interviewed and sent you. We still verify the referral, background, licensing status, and compliance fit before activating anyone.
Apply
Request your opportunity call.
Licensed agents, new agents, and people working through licensing can start the conversation. You cannot sell until you are properly licensed, appointed, and approved.
Fraud warning
Every applicant is background checked. Do not apply if you intend to commit fraud, run a scam, misrepresent applications, or abuse customer information. Suspected fraud is reported to carriers and appropriate authorities.