Meet your new BGA partner

Advanced AI powers our digital BGA to instantly compare products from dozens of leading carriers, creating a transparent, more competitive market for permanent life insurance. Insurance agents and advisors get faster, smarter case design. Clients get better coverage, better value, and better outcomes.

Welcome to Optifino!
Here's what we do

Tax benefits

Goal discovery with surveys & calculators

increase your AUM

Powerful policy visualizations & presentations

retirement planning

AI-powered case design in minutes

Professional review

Fast review of large insurance portfolios

Why Optifino?

Our digital BGA makes life simpler so you can meet more complex client needs

Concierge

Team

Tap into our concierge team and AI-powered optimization engine for sophisticated case design tailored to high-net-worth clients.

Transparent

Solutions

Help clients stay ahead of tax, estate, and legacy challenges with smarter, faster, and more transparent solutions.

Better

Aftercare

Strengthen lifetime client value through proactive aftercare, professional policy reviews, and better long-term outcomes.

We handle the legwork, you deliver the value.

How we help you

Meet long-term client goals, like supplemental retirement income, legacy planning or long-term care

Simplify the decision-making process for clients with intuitive dashboards and client presentations to easily and quickly compare across top carriers and thousands of policies.

Hand off the cumbersome application and underwriting processes to our digital BGA.

Ensure transparent, compliant processes across all client interactions

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Build a more holistic practice

Effortlessly offer permanent insurance solutions, policy reviews, and better aftercare—without the time drain, complexity, or headaches.

Execute sophisticated plans for ultra-high-net-worth clients:

shield

Advanced estate planning & premium financing done right

portfolio

Business strategies, deferred compensation & succession planning

coin

Charitable strategies & tax relief

How are you compensated?

blocks

Explore multiple commission structures

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Not insurance licensed? We can discuss other options

Our process

Maximize client life insurance strategies.

1
Case design

We work with you on goal discovery to align with the financial strategy.

2
Onboarding and management

We track each step of the process, leveraging our analytics on advanced underwriting and policy issuance.

3
Compensation

We offer a range of commission structures and working relationships based on your business design.

4
Ongoing aftercare

 We provide effortless policy reviews for your clients, plus professional review for entire blocs of policies—so you can uncover opportunities and sharpen coverage strategies.

By the numbers

Here's how a competitive marketplace of permanent life insurance solutions translates into real, measurable client benefits.

1bynumbers

Increase death benefit  up to 220%
(with the same premium)

2bynumbers

Reduce premium up to 40%
(for the same coverage)

3bynumbers

Boost cash values up to 35%
(for the same premium)

Simplify holistic financial
portfolio design