Who Are We?

​For our Customers:

BQNY is an insurance brokerage & general agency established in 2002. Formerly located at Times Square, now going online accessible anywhere and with offices in Long Island, Manhattan, NY and BQ Advisors across the U.S.A. (By Appointment Only). Due to pandemic, we seek cooperation with strategic partners/offices across the USA. As the top IMO for CSY5®KaiZen nationwide, we provide private pension and retirement protections and other insurance and financial products from top U.S. insurers for Premium Financing, Life, Annuity, and Medicare.

BQ of New York, Inc. also supports all agents and brokers with our extensive industry and product knowledge. We employ agents in many states across the country. It is our commitment and desire to establish trust and long-lasting relationships with our clients and producers.

Whether you are a customer or financial professional, BQNY will sure be able to offer you something you need. Our flagship product, CSY5®KaiZen, specially designed for middle class household with $100K annual income or more, offers the following unique features:

• Offer upside stock market potential with no downside risk
  
• Quadruple your 5 contributions by “giving” 3x more money into your plan
  
• Double/triple your 5+1 Pension & Protection(P&P) benefits*:
  
  1. tax-free retirement income, 2-3 times more than any traditional plan can offer
     
  2. ​tax-free death benefits
     
  3. critical illness (up to $1Mil)
     
  4. ​chronic illness (up to $1.5Mil)
     
  5. terminal illness (up to $1.5Mil)

The best thing is that you can "test-drive" with BQ free from COVID-19 and no obligation by scheduling a 15-minute 1-1 online demo or register for a 30-minute group online demo.

Advanced Market Support for:

• Life Insurance
  
• Annuities
• Private Pensions
• "CSY5®KaiZen": 5-pay "premium financing" without the hassle of premium financing
  

*This is for your information only. All the terms are subject to the original contract by insurers after the underwriting approval. CSY5®️KaiZen is designed to survive the hardest historical economic conditions. The values of all policies vary with bank/policy rates and past performance is not an indication of future guarantee.

​For our Agents:

 ​BQNY works directly with all its core carriers at the highest IMO levels, which in turn, ensures its agents’ levels of compensation and support, are at the highest; Select the most popular products/top insurers from hundreds, which guarantees right products selection for BQ customers; BQNY serves customers from all over the world, our market coverage and branch producers are located throughout the United States; BQNY serves as one-stop shop for all life producers.

BQNY has developed unique capacity of serving the High-Net-Worth clients in the business-owner and advanced markets, with BQNY’s own brand name cutting-edge CSY5®KaiZen programs, which combines the advantage of life insurance, banking, and trust, offers tax-exempt retirement income & protections, and has becoming more and more popular in the United States. BQNY has established a reputation of selecting top insurance & financial products for its clients. Having been actively making contribution to the American community for more than 20 years, combined with BQNY’s good reputation, extensive experience, great capabilities, rich resources, and consistent performance, the company can obtain any top-level BGA contracts from any insurers, compete with any competitors, and win!

Since 2002, we have trained thousands of agents with our own BQ business philosophy and principles. We continue to offer regular training for BQ Preferred Agents which are time tested and proven to produce effective and positive results for the financial and insurance professionals. 

What Sets BQ Apart?

1. We combine the best aspects of the 3 main channels for insurance distribution in the US.

Finding the suitable channel is of the utmost importance for insurance professionals and customers alike-- the first step into a right or wrong door will determine the levels of satisfaction for your future career and/or financial life.

There are 3 main channels for life insurance distribution in the U.S.

Most producers work with one of the above three channels. However, BQNY is an independent BGA that combine all merits of the above-mentioned three channels and select its products from different companies. Therefore, BQNY has the advantages of all the three channels.

2. BQNY focuses on selecting true life insurance policies that can be used when you are still alive: you can enjoy the “benefits” of a tax-free income of $100,000 per year after you retire, rather than leaving the benefits to others after your death.

The life insurance sold by other agencies focuses mostly on the “death claims” and “death benefits”. After all, it is important to take good care of yourself before you can care about others. The tax-saving retirement income plan C$Y® exclusively patented by BQNY, is the first choice for business owners, executives, and professionals who have annual incomes of more than $100,000. The C$Y®’s benefits include: retirement income (tax-free), severe illness, chronic disease (Long-term care), terminal illness, death benefits and many other benefits. Our products are unparalleled and very popular throughout all regions in the United States, the company’s unique products and reputation of great customer service are well-known among the American communities.

3. Since 2002, BQNY has been upholding the values of JinShang or Jin-Merchants and is the first insurance & financial services brokerage in the United States.

Adhering to the tradition of Jin-merchants’ principle of trustworthiness, placing integrity before profits, enabling safe sending & receiving of currencies, and creating wealth in places where the sky covers. In the US insurance & financial services industry, BQNY is leading the trend and becoming one of a kind. BQNY upholds the ideas of “customer first” and “treating as if all products are sold with lifetime BQ responsibility”.  BQNY has always strived to learn advanced concepts, innovate, and fuse creatively: constantly introducing the most advance insurance financing concepts and products to customers for their benefit. In terms of product selection and program execution, BQNY is extremely conservative and pragmatic: it is BQ’s common practice that BQNY would choose to make less money and/or give up making money at all, rather than selling a product for profit that could potentially hurt our clients ‘long term interests’.

4. BQNY is located in the center of New York City, its producers covering all the USA and its service can be reached by customers around the globe.

From the very beginning, BQNY was established in New York City -- the world’s financial center. BQNY is now headquartered in Times Square, in the center of Midtown Manhattan. Our branches and brokers are scattered around in all major cities in the United States. Few Chinese-run life insurance BGA at this scale exist in the USA. 

5. BQNY is at the highest IMO level for all our major carriers/products.

All the marketing channels in the U.S. have multiple levels. For each insurance company, the highest level general agents/BGAs are always very few. A top-level BGA can have dozens, hundreds, even thousands of brokers/producers. As a top BGA, BQNY has hundreds of professional producers who will directly serve our customers in all major U.S. cities. We can directly talk to the chief underwriters of different insurance companies; most of our competitors are just broker-level or agent-level companies/producers, often not authorized to contact the insurance company directly.

With these top insurers, BQ can beat 99% of our competitors!

6. ​We are pioneers in insurance & financial services as one of the first Asian BGAs established in the United States.

Robert Jin, the co-founder of the company, has been active in the insurance & financial services industry since 1995.  In 2002, Robert established BQNY as a BGA. After years of practice, BQNY has become a top-level BGA for major insurers selected from hundreds. As an activist for his profession and his people of the same origin in USA, Robert Jin and BQNY have earned their reputation as reliable, responsible, influential, and innovative person and firm. Robert himself has served the following associations at the highest levels.

AAIFPA (Asian American Insurance & Financial Professional Association), the go-to association for all U.S. insurance carriers looking to break into the Asian-American markets. As founding president-Northeast Chapter, as the 3rd National President, first chairman of the national board of the Association; Robert’s dedication and service has enabled BQNY to gain access to the golden key to this industry.

​Shanxi Association USA, a home for the people from Shanxi China since 1997, as founding president;  

SCC-USA (Shanxi Chamber of Commerce USA): with over half dozen chapters around U.S., the organization is committed to creating a beneficial ecosystem for U.S. businesspeople originally from Shanxi, China: as National Executive President and National President since 2014, Robert has built up a network of Jin-Merchants world-wide for nourishing international and domestic businesses;

7. Unlike other brokerage companies, we serve international clients from many other regions in the world.

​Most brokerage companies in U.S. only sell to the people in the United States, BQNY not only sell insurance policies to Americans in the U.S., but also to international clients from many other regions in the world.

8. Most BGAs target the general market; BQNY focuses on the high-end market: business owners, company executives, and High-Net-Worth individuals.

Most BGAs target the general market; BQNY focuses on the high-end market: business owners, company executives, and High-Net-Worth individuals.

9. In addition to providing product and sales support as other general agents do, BQNY offers an effective training system for their agents. 

This system integrates the latest-developed business concepts with the best entrepreneurial practices. Numerous newcomers in the industry have benefited from our system and receive access to the world’s High-Net-Worth market.