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.

Permanent Life Insurance Policies for U.S. Residents and Foreign Nationals.

BGA Insurance takes pride in being experts in the insurance industry. We represent more than 65 different carriers and can provide the best rates on permanent life insurance policies for anyone in California or throughout the United States. When you become our client, our brokerage directors and case managers will use their extensive knowledge base to ensure that you’re confident, prepared, and happy. As professional permanent life insurance agents, we can offer lifelong protection and the ability to accumulate cash-value on a tax-deferred basis. Unlike term insurance, permanent insurance remains in force for as long as you continue to pay your premiums.
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A permanent life insurance policy 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 make the right decision for your client.


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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.
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The New Kind of Life Insurance

Life insurance has proudly, always been there to help your family. Giving you peace of mind and protection. Recently, insurance companies made a wonderful change. They added benefits for the insured, the person writing the checks. Now an entire family can receive something during their lifetime. It could be Long Term Care, Critical Illness coverage or discounts for leading a healthy lifestyle. It's a new way of thinking and the New Kind of Insurance.
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Rewarded activity includes but is not limited to going to the doctor, breaking a sweat, buying healthy foods, and making healthy recipes. Benefits have real time value with monetary savings, gift cards, fitness devices and more. You can even be rewarded for taking polls and educating yourself on healthy habits. All of this helps protect you and your family's financial future while saving on the cost of coverage and allowing you to earn points by living your life.
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Stand Alone 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!
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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 services.
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If you’re unsure what type of policy your client needs then contact BGA Insurance right away!
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Hybrid Long Term
Care Products

Hybrid Long-Term Care Insurance combines the benefits of life insurance with long-term care protection. If the insured needs long term care, this policy will help the insured in time of need. However, if an occasion never arises where the long-term care is needed, the policy will work like a traditional life insurance plan, with the death benefit being paid to the beneficiary at the insured’s death.
Other unique and attractive benefits of Hybrid Long-Term Care include Locked in Premiums, Substantial Return of Premium, Leveraging of investments and purchasing with ‘insufficient’ funds.
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Annuity Illustrations Throughout the United States

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!
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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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