Independent since 1980.
A licensed broker in Santa Rosa, not a captive agent. Frank places policies from 45+ carriers, and stays with them after they're issued.
Schedule of record
- Death benefits written
- $1 billion
- Policies issued
- 1,500+
- Carriers
- 45+
- States licensed
- 7
- California licence
- #0C02711
- National Producer Number
- #63986
- Office
- Santa Rosa, California
Prefer to talk?
(707) 584-3482 Mon–Fri, 9–5 Pacific.Carriers he brokers from
- North American
- 45+ in total
Why people stay
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Transparency
Every step outlined up front. No surprises.
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Choice
Not tied to one company's shelf. Carriers get compared, and what fits gets put in front of you.
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Hassle-free
Zero-obligation consultations. Nothing signed until you're sure.
What Frank places
Life insurance is the specialty. Being independent means the rest gets handled in the same conversation.
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Life insurance
Term, universal, indexed and permanent — including living benefit riders for chronic illness.
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Long-term care
Traditional and hybrid plans for extended care.
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Medicare Supplement & Advantage
Healthcare coverage for retirement.
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Annuities
Income stability and market protection.
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Dental
Preventive care and major dental expenses.
How it works
Four steps. Nothing is committed until you sign.
- 1
Schedule a review
What you have, who depends on you, what the policy should do.
- 2
Compare options
Frank weighs the carriers and explains the trade-offs.
- 3
Apply
Paperwork prepared for you. Most carriers accept DocuSign.
- 4
Underwriting
The carrier reviews it. Frank tracks it and tells you where it stands.
Weekly breakdowns
Frank explains how these policies actually work. No slogans, no fluff.
- 01
Term, IUL and whole life: breaking down the confusion
- 02
Chronic & critical illness riders: what they actually do
- 03
Permanent vs term: what happens long term
- 04
Why adding a chronic rider to term isn't always the fix
- 05
Age-gap couples need a family plan
- 06
When "just buy term" misses the bigger picture
The same person, for the life of the policy
Life insurance is a promise tested decades after it's signed. That's the argument for a broker who is still there.
Forty years licensed. Thousands of policies written. Frank has watched these products change, which is why he can read an old policy — including one someone else sold you — and tell you plainly whether changing it helps.
- California licence
- #0C02711
- National Producer Number
- #63986
- Currently licensed in
- California, Arizona, Idaho, Iowa, Massachusetts, Nebraska and Texas. More available on request.
What clients say
As published by Biaggi Life. The margin shows how long each client has been with him.
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25years
My experience with Frank started when he was in Omaha, NE at least 25 years ago. His efforts to find the best fit products for me are unmatched.
Rodney H.
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30years
We have dealt with Frank for at least 30 years and we are very satisfied with his service.
Rodney H.
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25years
I have been with Frank for over 25 years. He has always looked out for my best interest. If I have any questions, Frank has been there to answer them.
Dorothy, from Nebraska
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Manyyears
Frank has been my insurance agent for many years. He has always provided excellent advice and service. He encourages me to call whenever I have questions and he responds to my calls quickly.
James
Questions people ask
As published by Biaggi Life. Every answer is on the page.
- Should I speak to someone first?
- Yes. Options vary widely. Frank provides illustrations so you can compare.
- What are "living benefits"?
- Riders on some modern policies that let you access part of the death benefit while you're alive. Many older policies don't have them — a common reason to get an existing policy reviewed.
- Is there a cost for a quote?
- No. Quotes and illustrations are free. You only pay premiums if you accept a policy.
- How do I know he's on my side?
- Decades in the industry, and the time taken to explain options rather than push one product.
- What makes his clients different?
- Experience and independence — thousands of policies written, and knowledge of how these products have evolved.
Where Frank works
Office in Santa Rosa. Clients across Sonoma County, the Bay Area and six other states.
- Santa Rosa
- Concord
- Oakland
- San Francisco
- Vallejo
Licensed in California, Arizona, Idaho, Iowa, Massachusetts, Nebraska and Texas.
- Office
- 3558 Round Barn Blvd, Suite 200
Santa Rosa, CA 95403 - Hours
- Mon–Fri, 9:00am–5:00pm · Sat & Sun closed
- Direct
- (707) 584-3482 · fax 855-599-8913
frank@biaggilife.com
Start with a conversation
No cost to have your coverage looked at. If what you have is right, Frank will say so.
- Office
- 3558 Round Barn Blvd, Suite 200
Santa Rosa, CA 95403 - Hours
- Mon–Fri, 9:00am–5:00pm
- Licensed
- CA Lic. #0C02711 · NPN #63986