Your life.
Your safety.
Your legacy.

Protect, manage, and grow them all with one call.

We are an independent Brokerage General Agency in Life Insurance, Long-Term Care, Annuities, and Disability.   We work with financial planners, producers, and agencies to provide everything their client needs: management, support, and expertise. We’re there to help, every step of the way.

BGA Insurance proudly represents over 40 top insurance carriers.  From risk management to wealth transfer to long-term care, we structure solutions with the best selections to meet your clients’ individual needs.

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Coffee Talk with BGA Insurance is a tool for insurance agents, where our host, Trent Zimmemann, talks with our industry experts to provide insights, updates, market trends, policy changes, marketing strategies and more. Each guest brings their own unique and impressive perspective, highlighting what makes each guest and company special as well as insights into how to enhance sales and grow business. Join us each week for new exciting guests and catch up on our highlights below.

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Auto Insurance

Auto Insurance covers cars, trucks, motorcycles and other vehicles you see on the road. Its primary function is to protect against physical damage and bodily injury as a result of traffic accidents.

Auto insurance can also protect financially in the case of theft and vehicle non-accident-related damage like keying, weather and colliding with stationary objects.

Homeowners Insurance

Homeowners Insurance is a form of property insurance covering private residences.

It combines a variety of personal insurance protections including home loss, loss of personal belongings, loss of use and liability insurance for accidents that happen on the premise or at the hands of the homeowner. Homeowners insurance also provides financial protection against disasters.

Renter's Insurance

Renters’ Insurance, otherwise called tenants’ insurance provides many of the benefits of homeowners’ insurance but does not include coverage for the dwelling or structure.

It provides liability insurance, covers the tenants’ personal belongings in the case of fire, theft or vandalism, and pays the expenses when the dwelling becomes inhabitable.

Commercial Insurance

Commercial Insurance is designed for corporations to cover the business, it’s employees and ownership. It takes into consideration each unique type of business and its needs and threats and therefore looks different based off of the client.

Pet Insurance

Pet Insurance is health insurance designed for your pet. It covers select, common illnesses, reducing your out of pocket expenses.

Permanent Life Insurance

Permanent Life Insurance is designed and priced to keep a client over a long period of time. Permanent insurance is often referred to as cash-value insurance because these types of policies are capable of building cash value over time.

There are different types of permanent life insurance policies, including whole life insurance, variable life insurance, universal life insurance, variable universal life insurance, and survivorship life insurance.

If you’re looking for permanent life insurance, get in touch with us at BGA Insurance, and we’ll match you with an insurance advisor who can help you might the right decision for your client.

Term Life Insurance

Term Life insurance is a basic and least expensive form of life insurance on the market. There are no investment accounts, cash values, or policy loans with this policy and you receive what you pay for. This means you get a high amount of life insurance protection at a low cost. It is easy to get and can be bought without a medical exam.

This policy is also a temporary form of life insurance, meaning it will expire in either 10, 15, 20, 25, or 30 years from the date purchased .Although there is an expiration date, there are options to extend it if necessary. This option makes this policy flexible and useful for protecting your family, paying estate taxes, securing bank loans, and more.

If you’re looking for a life insurance policy that’s not permanent or a savings plan, then get in touch with BGA Insurance today! We want to help guide you to the absolute best policy for your client.

Long-Term Care Insurance

Long-Term Care Insurance helps clients pay for costs associated with long-term care. This includes care that is not usually covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care in California or any other part of the U.S. are not necessarily sick, rather they are unable to perform daily activities, such as getting dressed, bathing, eating, using the restroom, and walking.

To be eligible for long-term care, age is not a determining factor. Our long-term care insurance agents are standing by with a life insurance policy that is right for you! Insurance policies for long-term care offer different coverage options. However, predicting what your long-term care needs will be is incredibly difficult, which leads many to select a policy with flexible options.

Depending on the policy, long-term care insurance can help you pay for needs like living at home or at an assisted-living facility. This type of insurance will also pay for adult day care, care coordination, and other similar servicesIf you’re unsure what type of policy your client needs, or if you’re wondering if long-term care insurance is the best choice for your client, then contact BGA Insurance right away!

Whether you have a basic question or are looking form more advanced planning advice, BGA can help. Contact your Annuity Brokerage Director today for assistance. Do you need and Annuity Illustration Request? Are you looking for an application or form? We are happy to help you.

Please complete our illustration request form online and we will email you your quote within 24 hours, or email your Annuity Brokerage Director for immediate assistance. You can also access our business and policy service forms online. Login in now to get started.


Annuities do not comply with  a ‘one size fits all’ approach. At BGA Insurance, we realize this and can help you find the best coverage options and rates that meet your needs. Our clients in California and throughout the U.S. have been satisfied by our services time and time again because of our ability to adapt to their needs.

Each agent’s needs and circumstances are unique and require individual attention. Do you need an Annuity Illustration Request? Are you looking for an application or form?

Whether you have a basic question or are looking for more advanced planning advice, we are happy to help you. Please complete our illustration request form online and we will email you a quote within 24 hours. You can also email our annuity brokerage director, Ryan Chester, for immediate assistance. 

Log in now to get started! Feel free to get in touch with us right away with any questions or concerns!
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