Business Details
25 Years
experience
Independent Insurance Solutions in Manhattan Beach
Bozajian Brian is an independent insurance agency established in 2001, serving individuals, professionals, and corporations across the South Bay, Palos Verdes Peninsula, and Greater Los Angeles area. Our independence from any single insurance carrier allows us to curate competitive products tailored to client needs, leveraging strategic alliances with specialized brokers. With over three decades of combined experience in life, disability, and executive benefits planning, our team prioritizes personalized service and market expertise. We specialize in complex risk management solutions, including business succession planning, estate tax strategies, and high-limit coverage for high-net-worth clients.Our commitment to transparency and client education ensures informed decision-making, while our local presence since 1994 underscores our dedication to community-centric service. Backed by licenses in multiple states and affiliations with industry leaders, we maintain rigorous compliance standards and continuous professional development to uphold our reputation as trusted advisors in insurance and financial planning.
Services
Life Insurance
Disability Income
Medical Insurance
Long Term Care
Annuities
Business Succession
Estate Planning
Executive Benefits
Details
- Year established: 2001
Highlights and features
- We offer 30+ years of expertise in life and disability insurance planning.
- Our independence allows unbiased selection from multiple carriers.
- We specialize in complex business succession and estate tax strategies.
- Our team includes a Chartered Life Underwriter and Million Dollar Round Table member.
- We provide personalized service with local market expertise in Southern California.
Services
Life Insurance
We offer comprehensive life insurance solutions including term, universal, whole, and survivorship policies. Our independent agency evaluates multiple carriers to find coverage matching your financial protection needs. With expertise in high-limit policies and estate tax planning, we help clients secure appropriate death benefits to protect dependents and business interests while optimizing premium costs.
Business Succession
Our business succession services include key person insurance, buy-sell funding agreements, and salary continuation plans. We help business owners implement cross-purchase and stock redemption strategies to ensure smooth ownership transitions. By calculating appropriate insurance coverage amounts and structuring tax-efficient agreements, we protect companies from financial disruption caused by unexpected owner departures or deaths.
Disability Income
We provide disability income insurance solutions that replace earnings during long-term absences. Our analysis considers occupation-specific risks, policy definitions, and tax implications to recommend appropriate coverage. We specialize in high-limit plans for professionals and complex cases involving pre-existing conditions, ensuring clients maintain financial stability while addressing both personal and business overhead expenses during disability periods.
Estate Planning
Our estate planning services integrate life insurance with trusts, wills, and tax strategies. We help clients establish irrevocable life insurance trusts to minimize estate taxes while addressing probate avoidance and special needs planning. By coordinating with legal and financial professionals, we create comprehensive plans that preserve wealth for beneficiaries and ensure proper asset distribution according to client intentions.
Executive Benefits
We design executive benefit programs including split-dollar life insurance, non-qualified deferred compensation, and bonus plans. These solutions help businesses attract and retain key talent while providing tax-advantaged benefits. Our expertise ensures compliance with regulatory requirements while aligning executive compensation structures with both individual and corporate financial objectives through customized insurance-based arrangements.
People
Brian V. Bozajian
CLU, Chartered Life Underwriter
With 30+ years in insurance, Brian holds a UCLA economics degree and MDRT membership. He specializes in life/disability planning for high-net-worth clients and corporations. Licensed in 11 states, he merged practices in 2001 to form Bozajian Brian.
Steven Snyder
Insurance Professional
Steven brings 10 years of South Bay experience after graduating from Ohio State University. He joined Bozajian & Carter in 2017 following roles in insurance and administration. His expertise focuses on client service and benefit plan implementation for individual and corporate clients.
Questions
How do I determine appropriate life insurance coverage?
We analyze immediate cash needs, income replacement requirements, and estate tax obligations to recommend coverage amounts that maintain financial stability for dependents and businesses.
What life insurance policy types do you offer?
We provide term, universal, whole, variable, and survivorship life policies from multiple carriers to address temporary needs, cash value accumulation, and estate planning objectives.
Do you specialize in business insurance solutions?
Yes, we offer key person insurance, buy-sell agreements, and business overhead protection to ensure continuity during ownership transitions or disability periods.
Can you help with complex disability coverage needs?
We specialize in high-limit disability plans for professionals with unique medical histories or financial situations requiring enhanced income protection beyond standard policies.
What estate planning services are available?
We integrate life insurance with trusts, wills, and tax strategies to minimize estate taxes, avoid probate, and ensure proper asset distribution according to client intentions.
