u2022tLife Insurance Distribution Overview u2022tProprietary Carriers, Independent Brokerage, Direct Online Portals, Affinity Groups, and Worksite Marketing u2022tWhat is a BGA? u2022tWhat Makes a BGA Distinct? u2022tThe Benefits of Working with a BGA u2022tThe Role of Marketing Organizations (IMOs, NMOs, FMOs) u2022tThe BGA Value Proposition