Independent life insurance · Atlanta, Georgia

One conversation. Many carriers. The right policy for your family.

BLA Financial Group is an independent agency. We don't work for one insurance company, so we compare rates and underwriting across several carriers and bring you the options that fit your health, budget and goals.

Get a free quote See coverage types
Agency type
Independent broker
Carriers compared
Multiple A-rated
Cost to you for a quote
$0
Application
Phone or video
Medical exam
Often not required
Agent NPN
16787650

Coverage

Coverage for every stage of life

Each policy type solves a different problem. Here is what each one does and what it typically looks like.

TERM LIFE

Term life

The most coverage for the lowest premium. Protects your family during the years they depend on your income.

Length
10, 15, 20, 25 or 30 yrs
Premium
Level for the term
Cash value
No
Best for
Income, kids, debts
WHOLE LIFE

Whole life

Permanent coverage with a guaranteed premium and cash value that grows at a guaranteed rate. Some policies also pay dividends, which you can take as cash, use to lower your premium or use to buy more coverage. Dividends are not guaranteed.

Length
Lifetime
Premium
Guaranteed level
Cash value
Yes, guaranteed
Dividends
Possible, not guaranteed
Best for
Legacy, estate needs
FINAL EXPENSE

Final expense

A smaller whole life policy that covers funeral costs and final bills so your family isn't left paying them.

Typical amount
$5,000 to $50,000
Typical ages
50 to 85
Medical exam
No, health questions only
Best for
Seniors on a budget
IUL

Indexed universal life

Permanent coverage with cash value linked to a market index, with a floor that protects against index losses. Premiums are flexible: pay more in good years and less when money is tight, within policy limits.

Length
Lifetime
Premium
Flexible, within limits
Cash value
Index-linked, with floor
Best for
Long-term planning
MORTGAGE PROTECTION

Mortgage protection

Coverage sized to your mortgage, so your family can keep the house if something happens to you.

Length
Matched to your loan
Payout
To your family
Riders
Living benefits often available
Best for
Homeowners
RETURN OF PREMIUM

Return of premium term

Term coverage that refunds the premiums you paid if you outlive the term. It costs more than regular term, but the money comes back to you.

Length
Typically 20 or 30 yrs
If you outlive it
Premiums refunded
Best for
Savers who want term
GUARANTEED ISSUE

Guaranteed issue final expense

Final expense coverage with no health questions. Usually there is a waiting period before the full benefit is paid for death from illness.

Health questions
None
Waiting period
Usually 2 yrs
Best for
Serious health issues
LIVING BENEFITS

Living benefits

Riders on many term and permanent policies that let you use part of your death benefit early if you're diagnosed with a terminal, chronic or critical illness.

Covers
Terminal, chronic, critical
Cost
Often included
Best for
Anyone, at any age
NOT SURE?

Help me choose

Tell us what you want the coverage to do. We'll explain the options in plain language and show real quotes side by side.

Time needed
About 15 minutes
Obligation
None
Start here

Amounts, ages, terms and features vary by carrier, state and your health. Coverage is subject to underwriting approval.

How it works

From first call to coverage

  1. Tell us about you

    Your age, health, budget and what you want the coverage to do. A short call or the form below.

  2. We shop the carriers

    We compare prices and underwriting rules across several companies to find who will treat your situation best.

  3. Apply and get covered

    Most applications are done by phone or video. Many policies need no medical exam, and some can be approved the same day.

Why independent

An agent for one company sells you that company

Captive agent

  • Represents one insurance company
  • One set of prices and health rules
  • If that company declines you, you start over

BLA Financial Group

  • Appointed with multiple carriers
  • Health conditions are priced differently by each company, so we look for the one that fits you
  • One agent to call for every policy, now and later

About us

Built by a family, for families

BLA Financial Group was founded to take care of families. We're a family-owned, family-run business, and we know what it means to have people counting on you. We started this agency to help families protect what they've built, get through hard times and keep moving forward.

Our job is to find the best option for your situation right now and help you plan for what comes next. We treat every client the way we'd want our own family treated: straight answers, real comparisons across carriers, and someone who still picks up the phone after the policy is issued.

  • Protecting a growing familyReplace your income for the years your kids depend on you. Some plans can pay your family a monthly income instead of one lump sum.
  • Covering the mortgageMake sure your family can keep the home if something happens to you.
  • Final expensesCover funeral costs and final bills so loved ones aren't left paying them.
  • Planning for retirementPermanent policies like IUL and whole life build cash value you can use later in life.
  • Protecting a businessCoverage on owners and key people so a business can survive the loss of someone important.
  • Leaving a legacyPass something on to your children, grandchildren or a cause you care about.

Our agents

The people you'll work with

Every BLA Financial Group agent is licensed and independent, so they can compare carriers and recommend what fits you.

Founder · Agent Michael Secreto Licensed Life Insurance Agent
NPN
16787650
Licensed in
GA #3953079
Based in
Atlanta, GA
Email
mike@blafg.com
Agent Christian Secreto Licensed Life Insurance Agent
NPN
22221554
Licensed in
IL, MI, NM, OH, TX, VA
Based in
Chicago, IL
Email
christian@blafg.com

Free quote

Get your options

Fill this out and Michael will reach out with quotes from multiple carriers. No cost and no obligation.

Phone(678) 439-5919
Emailmike@blafg.com
Please don't enter your Social Security number or health details here. We'll cover what's needed on a secure call.

Privacy Policy

We collect the information you give us, such as your name, phone, email, state and age, to prepare insurance quotes and contact you about them. We share it only with insurance carriers and service providers as needed to quote and issue your policy, or as required by law.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.

To ask what we hold about you or to have it deleted, email mike@blafg.com.

SMS Terms

If you opt in, BLA Financial Group may text you about your quote request, appointments and policy service. Message frequency varies. Message and data rates may apply.

Reply STOP at any time to stop receiving texts, and HELP for help. You can also email mike@blafg.com. Carriers are not liable for delayed or undelivered messages.

Disclosures

Insurance products are offered through licensed insurance carriers. BLA Financial Group is an independent agency and is not an insurance company. Coverage, rates and eligibility vary by state and carrier and are subject to underwriting.

BLA Financial Group is not affiliated with or endorsed by any government agency.