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BGA Insurance has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer.

A robust set of solutions and offerings to serve your clients.

Representing over 65 different carriers, BGA is among top 1% of all general agencies in paid life insurance with an increasing set of online tools to grow your business.

About Us

BGA Insurance has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer.

About Us

BGA Insurance has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer.

Permanent Life Insurance

BGA Insurance provides permanent life insurance solutions that offer long-term protection and tax-advantaged cash value growth. We partner with over 65 top-rated carriers to offer a wide range of policy types, including whole life, universal life, variable life, variable universal life, and survivorship insurance. Unlike term insurance, permanent policies are designed to stay in force for life, as long as premiums are paid, and can serve as powerful tools for estate planning, wealth transfer, and retirement strategy.

We also specialize in permanent life insurance for foreign nationals. Our team is experienced in navigating the unique underwriting guidelines and requirements for non-U.S. citizens seeking U.S.-based life insurance. Whether the objective is asset protection, cross-border planning, or long-term financial security, we help match clients with carriers that understand and support international cases.

A Term Life Insurance Policy
You Can Trust.

At BGA Insurance we believe in providing our clients with the best possible term life insurance policies throughout the U.S. Term life insurance is the least expensive and simplest form of life insurance on the market. There are no investment accounts, cash values, or policy loans with this policy.

It is inexpensive because 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.

Annuities

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.
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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.
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Create an account or log in now to get started! Feel free to get in touch with us right away with any questions or concerns!

Long-Term Care

Long Term Care insurance is designed to cover the cost of services that support individuals with chronic illnesses, disabilities, or cognitive impairments who need help with daily activities. These services are often not covered by health insurance or Medicare, making LTC coverage a critical part of financial and retirement planning.

In recent years, traditional LTC has evolved significantly. One of the most notable changes is the integration of LTC benefits as riders on permanent life insurance policies. These accelerated benefit riders allow policyholders to access a portion of their death benefit to cover qualifying long-term care expenses, offering flexibility and value without the “use it or lose it” risk that came with older LTC models.
In addition to riders, a new category of hybrid LTC products has emerged. These are life insurance or annuity-based policies that include built-in LTC coverage. Hybrid solutions combine guaranteed death benefits with long-term care funding, and they typically offer return-of-premium options or cash value, making them attractive to clients who want LTC protection without sacrificing other planning goals.

Stand-alone LTC policies are still available, though far less common. These traditional policies are dedicated solely to long-term care needs and are often subject to rate increases and strict underwriting. While they can offer strong coverage, they may not be the right fit for every client given the flexibility and value now available through hybrid and rider-based options.

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.
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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.
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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.
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