Business Details
18 Years
experience
Your Trusted Life Insurance Brokerage Partner in Costa Mesa
BGA Insurance has built a reputation for delivering comprehensive sales, marketing, planning, and underwriting support to life insurance professionals. Founded in 2008, we operate as an independent Brokerage General Agency specializing in Life Insurance, Long-Term Care, Annuities, and Disability solutions. Our team collaborates with financial planners, producers, and agencies to provide tailored management, support, and expertise for client needs. Representing over 40 top-tier insurance carriers, we structure customized solutions for risk management, wealth transfer, and long-term care requirements.Our commitment extends beyond transactionswe offer ongoing support throughout every stage of the client journey. With deep expertise in estate planning and foreign national markets, we serve as a trusted resource for agents seeking to strengthen their practices. Our technical knowledge, combined with relationship-driven service, positions us as a preferred partner in the insurance industry.
Services
Life Insurance
Annuities
Long-Term Care
Disability Insurance
Life Settlements
Wealth Transfer Planning
Foreign National Insurance
Business Continuation Insurance
Hybrid Insurance Products
Premium Finance Solutions
Details
- Year established: 2008
Highlights and features
- We offer 20+ years of experience in life insurance brokerage and estate planning
- We represent over 40 top-rated insurance carriers nationwide
- Our team includes Chartered Life Underwriters and Certified Financial Consultants
- We provide 24/7 case management support for urgent client needs
- We specialize in advanced market life insurance concepts and foreign national cases
Services
Life Insurance
BGA Insurance offers comprehensive life insurance solutions including term, whole life, universal life, and survivorship policies. Our products provide financial protection for families, business succession planning, and estate tax mitigation. We specialize in matching clients with policies that align with their long-term financial goals while offering flexible premium options and death benefit structures.
Annuities
Our annuity products deliver secure retirement income streams through fixed, variable, and indexed options. We help clients select tax-deferred growth solutions that complement their retirement strategies. Our team provides detailed illustrations and works with top-rated carriers to ensure competitive rates and flexible payout options tailored to individual financial needs.
Long-Term Care
BGA Insurance offers innovative long-term care solutions including traditional policies, hybrid products, and life insurance riders. These plans address assisted living, home care, and nursing facility expenses while preserving assets. Our specialists help clients navigate coverage options that integrate with broader financial and estate planning strategies.
Wealth Transfer Planning
We provide specialized insurance solutions for intergenerational wealth transfer, including irrevocable life insurance trusts and business succession plans. Our experts collaborate with attorneys and accountants to implement tax-efficient strategies that protect assets and ensure smooth transitions for high-net-worth clients and business owners.
Foreign National Insurance
BGA Insurance offers customized life insurance products for non-U.S. citizens, addressing unique underwriting requirements and cross-border financial planning needs. Our solutions support asset protection, visa requirements, and global estate planning while maintaining compliance with U.S. insurance regulations and international tax considerations.
People
Barry Zimmermann
President
Founder of BGA Insurance with over 30 years in the insurance industry. Previously conducted retail seminars on estate planning before establishing the company in 2008. Active in Finseca, NAILBA, and NAIFA, Barry has grown BGA to become a top independent general agency.
Shawn Bragdon
Managing Partner
30-year insurance veteran with 14 years as Lincoln's Western Regional VP. Specializes in retirement planning and business succession strategies. Recognized industry speaker on advanced planning techniques and tax strategies for financial professionals.
Justin Shultz
Senior Vice President
Founding member with 20 years in brokerage services. Former MetLife Variable Annuity specialist who expanded into comprehensive insurance solutions. Expert in estate planning and foreign national markets, known for building strong agent relationships and practice growth strategies.
Mark Rowe
Brokerage Director
CLU and ChFC designee with expertise in estate planning and business continuation. Former Massachusetts Mutual Life agent with experience managing insurance agencies and broker-dealers. Specializes in consultative planning for high-net-worth clients and financial advisors.
Steve Morris
Brokerage Director
25-year insurance veteran specializing in business planning with buy-sell agreements and keyperson insurance. Former Western Territory Manager for top broker-dealer, with expertise in life, LTC, and disability insurance. Holds multiple industry designations including CLU and ChFC.
Questions
What types of life insurance policies do you offer?
We provide term life, whole life, universal life, variable life, and survivorship insurance policies tailored to meet diverse financial planning needs.
Can I get life insurance as a foreign national?
Yes, we specialize in U.S.-based life insurance solutions for non-U.S. citizens with expertise in navigating international underwriting requirements.
How do annuities work for retirement planning?
Annuities provide tax-deferred growth and guaranteed income streams. We offer fixed, variable, and indexed options to complement retirement strategies.
What long-term care insurance options exist?
We offer traditional LTC policies, hybrid products combining life insurance with LTC benefits, and accelerated benefit riders for flexible coverage solutions.
How can I get a life settlement valuation?
We provide free life settlement evaluations through our institutional funding partners. Contact us to initiate the process with your policy details.
Do you work directly with financial advisors?
Yes, we partner with financial planners and advisors nationwide, providing them with comprehensive insurance solutions and case management support.
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