BGA Insurance review for agents: contracting, pay, release terms and leads
BGA Insurance is an independent brokerage general agency in Costa Mesa, California for agents, financial planners and agencies. It covers life insurance, long-term care, annuities, disability and life settlements. Members contract through SureLC and get a large tool stack that includes iPipeline, LUMA, Vive and XRAE.
- Best for
- Life and annuity agents and planners who want case management and a broad member tool kit
- Lines
- Life, long-term care, annuities, disability and life settlements
- Leads
- An agent-owned life insurance digital store
Our take
BGA is not a Medicare shop. Contract levels are discussed when you contact the team, and pay path, vesting and release terms are not published, so get them in writing first.
Pros
- Member tools for quoting, e-apps, field underwriting and commission statements
- Case managers, underwriting support and a commissions specialist
- Agent-owned life insurance digital store
- Online contracting through SureLC
Cons
- Contract levels and pay path are not published
- Renewal vesting and release terms are not published
- Member tool and digital store pricing is not published
How you would join
Contact the team
Starting levels are discussed when you reach out.
Contract through SureLC
The link is on the members-only Agent Resources page.
Finish your training
Annuity producers complete state annuity training and carrier product training before they solicit.
BGA runs open contracting. Agents, planners and agencies contact the team and then contract directly with BGA, so the chain is agent, then BGA, then the carrier.
How you get paid
Starting levels are discussed with the team during contracting.
Whether carriers pay you directly or pay through BGA is not published, and neither are level increases, overrides or carrier bonus pass-through. Members can view BGA commission statements in Rivue.
Leaving
Carrier waiting rules differ by carrier and come from each carrier's transfer guide.
Lines and carriers
BGA covers life insurance, long-term care, annuities, disability and life settlements.
Carrier partners on its About page include Nationwide, Symetra, OneAmerica, Pacific Life, Protective, Corebridge, Securian, Guardian and New York Life. Its annuity training pages cover Allianz, American Equity, Athene, EquiTrust, F&G, Global Atlantic, Lincoln, MassMutual Ascend and North American among others. These lists are not an appointment matrix by state.
Leads, tools and who pays
- Tools
- iPipeline, iGo E-App, Drop Ticket, LUMA, SureLC, Vive, Rivue, XRAE and the Members Toolbox
BGA offers an agent-owned life insurance digital store where prospects browse options, chat live and get automated illustrations.
Members get iPipeline, iGo E-App, Drop Ticket, LUMA, SureLC, Vive, Rivue, XRAE, the Members Toolbox and other tools.
Training and production
BGA provides underwriting, sales, marketing and planning support with case managers and a commissions specialist. Through LIBRA, agents get access to case design, new-business and underwriting teams and a medical director.
Contracting, certifications and E&O
Contracting runs through SureLC from the members-only Agent Resources page. Annuity producers complete state-approved annuity training, with a four-hour baseline and state exceptions, plus carrier product training before they solicit.
EquiTrust requires training before it approves an appointment.
Ownership and channel
BGA is independently owned. As a LIBRA partner agency it gets LIBRA resources.
BGA Insurance alternatives
- Ash BrokerageLife and annuity BGA with case design and underwriting
- Advisors ExcelPaid AE Digital marketing plans for top annuity producers
- Financial Independence GroupAnnuity planning resources and education without a recruiting team
- Brokers InternationalBusiness Builder programs for agency principals
- Crump Life Insurance ServicesLarge life, annuity and disability shelf with case design
See every option in insurance iMOs.
Frequently asked questions
How do I contract with BGA Insurance?
Contact the BGA team and complete contracting through SureLC from the Agent Resources page.
What training do I need to sell annuities through BGA?
BGA asks for state-approved annuity training, with a four-hour baseline and state exceptions, and carrier product training before you solicit.
What tools do BGA members get?
Members get iPipeline, iGo E-App, LUMA, Vive, XRAE, Rivue for commission statements and the Members Toolbox for advanced markets. Pricing is not published.
Can I leave BGA and keep my renewals?
Renewal vesting and release terms are not published. Whether your renewals follow you depends on your BGA agreement and on each carrier's rules, so get both in writing before you go.
How we researched this review. We based this review on the terms and product pages published by BGA Insurance, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan BGA Insurance quit selling or a contract term that reads different now, let us know and send the link to the page where BGA Insurance has it. Somebody here pulls up that page and checks it before we change anything on ours.