Independent Life Insurance Guidance in California and Licensed Nationwide
At Biaggi Life, we believe life insurance should adapt to your goals, not the other way around.
With over 40 years of experience, Frank Biaggi, Licensed Agent-Broker, provides independent guidance to help individuals and families secure coverage across California and other licensed states.
As an independent broker, Frank compares options from 45+ top-rated carriers so you can choose with confidence.
What you can expect
- A brief discovery (10–15 minutes) to size coverage to your needs
- Side-by-side comparisons across multiple carriers
- Preliminary quotes in most cases within the same day
- Guidance with applications, underwriting, and ongoing policy service
Availability, features, and underwriting requirements vary by carrier and state. This page provides general information; it is not a recommendation or offer of coverage.
Types of Life Insurance Policies We Offer
Every good financial plan should include life insurance. At Biaggi Life, we can connect you with a wide range of noteworthy life insurance companies with great coverage programs to suit every need.
Term Life Insurance
Affordable protection for a set number of years. Ideal for families, homeowners, or anyone who wants maximum coverage at lower cost.
Whole Life Insurance
Permanent coverage that builds cash value over time and guarantees lifetime protection.
Some clients may also benefit from High Net Worth Life Insurance strategies.
Indexed Universal Life (IUL)
Flexible coverage that can grow cash value based on market index performance, while offering protection and tax-advantaged benefits.
Final Expense Insurance
Simplified policies designed to cover funeral and end-of-life expenses, helping loved ones avoid financial strain.
We also provide Long Term Care solutions.
Frequently Asked Questions
What’s the difference between term and whole life insurance?
Term life covers you for a set number of years at lower cost. Whole life lasts your lifetime and builds cash value over time.
Can I get life insurance if I have health conditions?
Yes, many carriers offer options for clients with existing health issues. As a licensed independent agent-broker, Frank compares policies to find the best fit.
How much life insurance does the average family need?
It depends on income, debts, and family goals. A common rule is 10–12 times your annual income, but Frank can help you review your unique situation.
What happens when my term policy expires?
You may be able to renew, convert to permanent coverage, or explore new options. It’s best to review your policy before expiration.
Why Work with an Independent Agent-Broker
Unlike agents tied to one company, Frank Biaggi represents multiple carriers.
That means you get unbiased recommendations, transparent explanations, and flexible coverage options designed around your goals — not the goals of a single insurer.
Contact Frank Biaggi, Licensed Agent-Broker
Your needs change — your coverage should too. Get independent guidance today.
Call (707) 584-3482 or request a quote online.
This page is for general educational purposes only. It does not provide legal, tax, or personalized insurance advice.
Please consult directly with Frank Biaggi for guidance specific to your situation.
