---
title: "What Is BGA (Brokerage General Agency)? | Epic Life"
description: "A BGA, or brokerage general agency, is an agency that serves independent agents by offering access to many carriers, case help, and commission..."
url: https://epicline.preview.multisites.ai/glossary/bga
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Distribution structure

# Brokerage General Agency (BGA)

A BGA, or brokerage general agency, is an agency that serves independent agents by offering access to many carriers, case help, and commission arrangements. It works like a wholesale layer between agents and carriers.

## Why it matters

Agents place business through a BGA to reach carriers they cannot easily contract with alone, and may get higher contract levels. The BGA keeps a spread or share, depending on the terms. Services differ, so compare support for case design, hard-to-place cases, and payout timing. A new agent should also ask how the BGA treats releases and who owns the customer record.

Source: [naic.org](https://content.naic.org/sites/default/files/model-law-225.pdf)

[Read next, for agentsIMO vs FMO vs MGA: which structure fits an independent agent?](https://epicline.preview.multisites.ai/guides/imo-vs-fmo-vs-mga)

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