The Modern BGA Experience You Deserve
The permanent life insurance user experience is abysmal. Manual processes, slow turnaround times, fragmented systems, and opaque pricing create friction at every step: Clients wait. Agents struggle. Opportunities disappear.
Optifino transforms the traditional model with AI-powered efficiency while maintaining the high-touch service sophisticated cases demand. We deliver all the table stakes you expect from a BGA through a single, intelligent platform that actually works the way you think.
What to Expect Complete Digital BGA Capabilities
We proactively manage underwriting and application strategy, deliver fast response times, provide real-time application updates, and communicate clearly about next steps.
Multi-carrier quoting and illustration tools
Expert case design and underwriting analytics
Contracting and licensing support
Marketing resources and education
Inforce policy service and tracking
E-apps and drop-ticket capabilities
Compliance-ready data security
Transparent compensation AND competitive commissions
FOR INSURANCE AGENTS
FOR HYBRID ADVISORS
FOR RIAS
Optifino for Insurance Agents
Design Once. Compare Everywhere. Protect Better.
The families who trust you to protect what matters most deserve your best work. Optifino transforms life insurance case design from a laborious process into a streamlined experience that honors the urgency behind every client’s needs.
My first thought was, ‘This is what’s going to replace me.’ Then I realized—this could make me better.
Life Insurance Agent
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Access 25+ carriers through a single platform to find optimal solutions for every family. Our AI-powered engine reduces case design time from hours to minutes while presenting complex strategies through elegant visualizations that help clients make confident decisions.
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Professional review capabilities simplify policy health checks for your entire insurance portfolio and help you uncover revenue opportunities. Side-by-side policy visualization creates professional presentations that close sophisticated cases.
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Advanced underwriting analytics speed up policy placement times so you can close cases faster with confidence. Easy access to new commission opportunities through our Professional Review feature means your existing book becomes an active revenue source.
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Flexible service options let you decide how you want to work. Use our platform directly, have your staff use our tools while we handle placement, or let us manage the entire process as your outsourced insurance desk.
Optifino for Hybrid Advisors
Add Insurance Expertise without Adding Complexity
Your clients need sophisticated protection strategies, but you don’t have to become an insurance expert to deliver them. Optifino bridges the gap by providing advanced case design, elegant client visualizations, and white-glove support while ensuring you remain central to your clients’ holistic financial plans.
Hybrid advisors are redefining holistic wealth management. Optifino exists to ensure insurance integrates naturally into that story — so you stay at the center of every client relationship.
COO, Optifino
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Seamlessly integrate sophisticated life insurance into complex family financial plans while maintaining your role as trusted advisor. Our platform delivers white-glove support for ultra-high-net-worth strategies without requiring you to become an insurance specialist.
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Client-ready education materials and presentations help families understand how insurance protects their full financial picture. Optifino reframes the language to remove the jargon so you can clearly communicate the impact.
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Annual policy review capabilities help you meet fiduciary standards with fast and easy review processes, giving you the peace of mind of knowing that policies will be monitored for performance issues that could affect your clients’ overall financial strategies.
Optifino for RIAS
Provide Truly Holistic Advice without Insurance Licensing
With Optifino as your outsourced insurance desk, you have a BGA partner who coordinates sophisticated insurance case designs with complex client estate plans. And because our experts are insurance licensed, you don’t have to be.
Advisors shouldn’t have to choose between simplicity and sophistication. Our mission is to make insurance planning intuitive, collaborative, and seamlessly aligned with how hybrid RIAs serve their clients.
Founder and CEO, Optifino
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Expand your offerings to include life insurance for truly holistic plans without needing insurance licenses. Expert collaboration and advanced case design meet the needs of family offices working with UHNW clients who require comprehensive wealth strategies.
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Easily include life insurance as an asset class in client wealth plans. Help UHNW clients mitigate inheritance taxes and create durable legacies that last for generations. Our process is simple, transparent, and designed specifically for fiduciary standards.
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Trust our white-glove support to handle everything from intake to underwriting while you maintain complete control of your client relationships.
Transform Your Practice with a Digital BGA
See the potential impact of Optifino for yourself. Schedule a demo with our team today.