COVID-19 Update: We are currently operating as usual (M-F, 9-5) with remote systems in place. We are prioritizing communication, servicing, and new business so you can keep working during these difficult times. Contact us by phone (800-924-2294) or email (  and utilize our digital e-app system for no-contact applications, Dingo

income protection for life

Our mission is to help insurance and financial advisors secure the best available disability income and long-term care solutions for their clients' needs. 

We are third-generation disability protection specialists; a family-owned general agency dedicated to a responsive and enriching service experience for both advisors and clients alike.


DISABILITY INCOME insurance protects your clients' livelihoods.


Chances are you've already helped them protect their lives, their investments, or their medical needs with other insurance solutions. It's time to protect their earnings by fortifying their income stream with disability insurance. 

We can help you identify the proper plan by constructing the appropriate solution using the right line of coverage.

LONG-TERM CARE insurance protects your clients' retirement savings.


Most everyone's lifespan is longer than their healthspan, and the probability that this client will also act as a caregiver at some point in retirement is also higher than ever. Your job is to make sure your clients are financially prepared for that endeavor. 

We can help you determine what type of solution will work best for an individual client's financial situation.


Learn about the basics of disability protection or browse and pull from our curated library of marketing resources. This page will help you highlight specific features to share with your client.

Have a prospective client? Get started here! Select the line of coverage and complete the basic information. Receive and review the top quotes within 24 hours of your request.

You're cruising now. Time to wow your client. Click here for the disability industry's first drop-ticket e-app or simply request a PDF application from your preferred carrier.

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4302 Redwood Hwy, Suite 400
San Rafael, CA 94903
Bay Area Disability
Insurance Services, Inc.
CA License #0647178