Products and Services
Life Insurance
BGA realizes that the “one size fits all” approach simply does not work when it comes to selecting a life insurance policy. Each agent’s needs and circumstances are unique and require individual attention.
Therefore, BGA offers a wide variety of carriers and options to work with each individual's needs. BGA offers Permanent Life Insurance, Term Life Insurance, Long Term Care and Annuities.
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!
Annuity
We can help you find the best coverage options and rates that meet your needs. At BGA Insurance, we fully realize that a “one size fits all” approach simply does not work when it comes to selecting an annuity. 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. Feel free to get in touch with us right away with any questions or concerns!
Property and Casualty
Property and casualty insurance includes a wide variety of coverage options to protect your property and liabilities. The umbrella term typically covers two different types of scenarios, incidents where your property has been damaged and incidents where your negligence has caused physical or personal damage to yourself or others.
BGA offers Auto Insurance, Home owners Insurance, Renter’s Insurance, Commercial Insurance, Pet Insurance and more. Accidents happen; BGA Property and Casualty will help keep you protected. Learn more.
Disability Insurance
BGA Insurance offers clients in California and throughout the entire U.S. long term disability insurance policies that actually protect them and their finances. Disability insurance can help you and your family financially by replacing lost income due to illness or inability to work. Although often unexpected, preparing for these situations is important.
Disability insurance works by paying a percentage of the employee’s salary if they become disabled and unable to perform at his or her job. A disability can occur from accidents at work or from debilitating illnesses. If this is the case, disability insurance can reimburse disabled workers for some of the income they would have received if they were able to work.
Unlike disability through Social Security, private disability insurance can cover up to 70% of a worker’s salary. There are several types of disability insurance that can come in short-term or long-term packages. Short-term disability covers illnesses up to 2 years, while long-term disability can cover a hefty sum of a worker’s salary for an entire lifetime. If you are confused about the different disability insurance types, give us a call so that we can help guide you in the right direction.
Wealth Management
You have big goals! At BGA, we want to see you reach them. BGA offers tax planning, wealth protection, estate planning, succession planning and family governance. Whether it’s growing your finances, protecting your wealth or sharing your wealth with others, our team of dedicated financial advisors can work with you to design a comprehensive plan to ensure you achieve your financial dreams.
Payroll Benefits
In a properly planned PayrollBenefit plan, Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees, with premiums partially covered by the employer but often also deducted from employee paychecks. The cost of health insurance premiums is deductible to the payer, and the benefits received are often tax-free. It is common for employers to add both Dental and Vision insurance coverage to the same plan.
Health insurance is complicated and tricky to navigate, you need experts to guide you. Dental and Vision insurance are essential for your wellbeing. Many serious conditions are often detected in early stages through eye and oral exams. It is no surprise that employees feel better when their vision is at its best and when nothing in your mouth hurts. Removing those worries adds to optimal overall health.
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