BGA VS Direct Contract?

Ok so there have been a lot of questions and suggestions on previous posts. I wanted some input that is a little more clear.



If I plan to use a BGA that offers the the following companies, which companies should I have a direct contract with instead of going through the BGA?



Please input according to ease of use working directly with the Carrier instead of a BGA (which can slow down the process).



Allianz Life

American Equity

AGLA

AMerican General

American NAtional

Americo

Assurity

Aviva

Axa Equitable

Banner Life

Mutual of Omaha

Companion Life

Conseco

Fidelity & Guaran

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