Optifino, the digital Brokerage General Agency (BGA) radically simplifying the life insurance experience, and Covr Financial Technologies, an award-winning provider of digital insurance solutions, today announced a transformative merger to create Digital BGA 3.0. This merger unites Covr's robust operational and compliance infrastructure with Optifino's cutting-edge AI-powered case design and analytics platform.

 "Today we begin building what we're calling 'Digital BGA 3.0,'" said Optifino Co-Founder and CEO, David Kleinhandler who will become CEO of the merged company. "This begins the next chapter of life insurance distribution: one where true independence and powerful innovation come together to modernize and simplify permanent and term life insurance experiences for advisors and the families they serve."

Both companies will maintain their current branding, websites, and points of contact, ensuring a seamless transition with minimal disruption to partners, clients, and carriers. Independence remains a defining principle: the merged entity will continue to offer unbiased, multi-carrier comparisons that put clients' best interests first—a strength the leadership teams consider critical to their success.