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Your Local Novato Independent Insurance Agency

BIQ Insurance Agency specializes in life, disability, long-term care, annuities, retirement plans, health insurance, and cancer, heart attack and stroke insurance.

BIQ Insurance Agency has being servicing the San Francisco/Bay Area since 2013. We focus on health, dental, vision, and ancillary insurance products such as life, disability, long term care, and retirement solutions for individuals, and businesses for their employees.

Our Vision

To be the agency of choice for our customers, agents, and associates.

Our Mission

Our mission is to provide innovative insurance solutions with personalized service exceeding the customer’s expectations. We are here for our customers, partnering with them to find the best solutions for current needs and future plans.

Our Core Values:

  • Excellence
  • Integrity
  • Responsibility
Read what satisfied customers have said about BIQ Insurance Agency.
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Life Insurance

We offer a complete line of individual life insurance products that are crafted to meet you and your family's specific needs.
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Disability Insurance

The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy.
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Long-Term Care

The likelihood is that you or family member will need long-term assistance due to a prolonged illness or a disability.
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Recent News & Updates

Lifestyle Factors That Can Affect Your Health Insurance Cost

Posted: June 10, 2025

1. Smoking and Tobacco Use Smoking is one of the most significant lifestyle factors impacting insurance costs. Tobacco users are typically charged higher premiums due to the increased health risks associated with smoking, such as lung disease and heart problems. Quitting smoking improves your overall health and can lead to substantial savings on your insurance costs over time. Specifically, smokers may pay two to three...

What Happens If You Outlive Your Term Life Insurance Policy?

Posted: June 7, 2025

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, ensuring financial support for your loved ones should you suddenly pass away or become incapacitated. But what if you outlive your term policy? Understanding your options can help you plan for the future and ensure continued financial security for your loved ones. What is Term Life Insurance? Term life insurance...

When Is a High Deductible Health Plan the Right Choice?

Posted: May 25, 2025

Health insurance can seem like a labyrinth of legal and medical jargon, with endless choices. One option that often sparks confusion is the High Deductible Health Plan (HDHP). When they hear “high deductible,” many people immediately think it is expensive and risky. However, in some cases, it can actually be a good move. The following information can help you decide whether a high-deductible health plan...

Risk Factors That Impact Life Insurance Premiums

Posted: May 22, 2025

When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance companies use the following risk factors to calculate your premiums: ...