Insurance Should Feel Like Confidence, Not Confusion.
Welcome to Ben Cat USA — your full-service life and non-life insurance agency in Southern California. We help people and businesses protect what matters most: simply, clearly, and with a real human on your side.
Life & Health
Protect your family's future and healthcare needs.
Auto & Home
Safeguard day-to-day vehicles, dwelling & contents.
Commercial
General liability & property to keep business moving.
We listen, learn what you need, and tailor a plan for your budget — without jargon or pressure.
BEN CAT USA
Insurance Solutions with Integrity & Security
Ben Van Cat (Cat Ben Van)
Licensed California Insurance Producer
Active Since
Over 12 years of licensed insurance dedication in California
Carrier Partners
Appointed with premier national and California insurers
CA License
California Insurance Producer License #0J13438 — verify current status with the CA Department of Insurance
Core Lines
Life, Accident/Health, Property & Casualty under one roof
Welcome Message Script
Audio Voice-Over Experience
"Insurance should feel like confidence, not confusion. Welcome to Ben Cat USA — a life and non-life insurance agency operated by Century Financial Group. We help people and businesses protect what matters most — simply, clearly, and with a real human on your side."
Voice script transcribed directly from the official Ben Cat USA welcome broadcast.
Empowering Families & Communities With Integrity & Security
Operated by Century Financial Group and led by licensed Insurance Producer Ben Van Cat (License #0J13438), Ben Cat USA was established to simplify the complex landscape of insurance coverage.
We bridge the critical gap between customer anxiety and absolute financial security. Whether you are insuring your growing family's life, securing your home and personal vehicles, or safeguarding commercial enterprise assets, we stand with you every step of the journey.
How We Work — The 3-Step Difference:
We Listen & Learn
We discover your real lifestyle, family obligations, assets, and future goals.
We Tailor Your Plan
Customized coverage fitted to your budget across top carriers without jargon.
We Stand By You
When life happens, answers you can trust and real claims advocacy when it counts.
Comprehensive Protection Designed for Every Season
From essential term life and Covered California health plans to home, auto, and commercial enterprise liability. Explore policies backed by California's top insurance carriers.
Term Life Insurance
High-value, cost-effective financial protection designed to safeguard your family during crucial income-earning years.
- Fixed level premiums for 10, 20, or 30 years
- Tax-free death benefit for beneficiaries
- Mortgage and living expense replacement
Whole & Universal Life Insurance
Permanent coverage built with lifetime protection and tax-advantaged cash value accumulation for lasting legacy.
- Guaranteed lifetime death benefit
- Tax-deferred cash value growth
- Policy loan and withdrawal options for future opportunities
Savings & Retirement Pension Plans
Structured financial accumulation and annuity strategies to ensure comfortable retirement and guaranteed income.
- Guaranteed lifetime income streams
- Protection against market downturns
- Tailored wealth accumulation strategies
Health, Critical Illness & Accident
Comprehensive medical, critical illness lump-sum, and personal accident benefits through premier health carriers.
- Covered California & private market health plans
- Direct cash payments upon major critical diagnosis
- Out-of-pocket accident coverage
Personal Auto & Motor Insurance
California road coverage safeguarding you against liability, collision, comprehensive damage, and uninsured motorists.
- Bodily injury and property damage liability
- Collision & comprehensive repairs
- Uninsured/underinsured motorist protection
Home, Condo & Contents Insurance
Total structural and contents protection for your California home against fire, storm, theft, and premises liability.
- Dwelling replacement cost coverage
- Personal property & high-value contents
- Personal liability for slips, falls, and mishaps
Commercial Property & General Liability
All-in-one business protection safeguarding your commercial building, inventory, and third-party liability exposure.
- Commercial General Liability (CGL) protection
- Business Personal Property & building coverage
- Slip-and-fall defense & legal settlement costs
Group Benefits & Commercial Auto Fleet
Competitive group health and life benefits to attract top talent, paired with commercial fleet transportation safety.
- Group health, dental, and life packages
- Commercial auto and work truck coverage
- Key person life insurance and executive retention
Verified California Department of Insurance Producer
Transparency and regulatory integrity are the foundation of our work. Review Ben Van Cat's active licensing credentials, qualifications, and authorized insurer appointments.
CAT BEN VAN (Ben Van Cat)
Ben Cat USA, operated by Century Financial Group
Authorized Lines of Insurance Authority
Authorized Insurance Carrier Appointments
We represent premier insurance companies, ensuring our clients receive competitive rate comparisons and strong claim fulfillment.
American General Life Insurance Company
Anthem Blue Cross Life & Health Insurance Co.
Blue Shield of California Life & Health
Fidelity & Guaranty Life Insurance Company
Foremost Insurance Company
Health Net Life Insurance Company
Integon National Insurance Company
Integon Preferred Insurance Company
Kaiser Permanente Insurance Company
Life Insurance Company of the Southwest
National General Assurance Company
Nationwide Life and Annuity Insurance Company
California Health Benefit Exchange
Simple, Reassuring & Dedicated Claims Support
When accidents, medical crises, or property damages occur, you shouldn't have to face a faceless call center alone. Ben Cat USA provides personal guidance throughout your entire claim lifecycle.
Immediate Intake & Notification
Call our office during business hours or submit our online claim form anytime. Provide basic incident details, date, location, and photos if applicable.
Carrier Adjuster Coordination
We immediately route your claim to your appointed carrier (e.g. Foremost, Integon, National General, Anthem) and ensure an adjuster is assigned promptly.
Fair Resolution & Advocacy
We monitor the evaluation, review settlement offers, and advocate on your behalf to help you receive the benefits available under your policy terms. Claim decisions are made by your insurance company.
Start a New Claim with Agent Advocacy
Submit basic details online. Your Ben Cat USA representative will review and assist with carrier filing.
Ensure everyone is safe first. For police/fire emergencies call 911. Then call our direct office at (714) 588-3682.
Claim Status Inquiry
Already filed? Send us your claim reference or policy number and we will follow up with your carrier and reply with an update.
Direct Claims Concierge
Speak directly with licensed agent Ben Van Cat:
(714) 588-3682Office: 8295 Bolsa Ave, Midway City, CA 92655 • Serving all Orange County and California residents.
Trusted by Families & Local Business Owners
Here is what some clients have shared about working with Ben Cat USA.
"Ben Cat walked our family through both life and auto coverage with complete transparency. No jargon, no high pressure — just genuine care and a clear policy that gave us peace of mind."
David & Linh T.
Family Homeowners & Small Business Owners • Garden Grove, CA
"When we launched our storefront, we needed general liability and commercial property insurance fast for our lease. Ben delivered the exact certificate required in 24 hours at a very fair rate."
Marcus K.
Commercial Retail Store Owner • Westminster, CA
"Having an agent who is licensed in life, health, casualty, and property under one roof is a massive blessing. Ben Van Cat is knowledgeable, patient, and truly operates with integrity."
Theresa N.
Private Practice Professional • Fountain Valley, CA
Testimonials reflect the individual experiences of specific clients and are not representative of all clients. Individual results vary. Testimonials are not a guarantee of future coverage, pricing, eligibility, or claim outcomes. Learn more.
How Much Life Coverage Does Your Family Truly Need?
Use this instant calculation tool to estimate your family's financial protection gap based on income replacement and debts.
This estimate covers income continuation for 10 years plus debt retirement. It is an educational estimate only, not a quote or a recommendation.
Premiums vary by age, health, coverage amount, term length, and carrier underwriting; individual results vary.
Lock In Rates With Ben Cat USAGet In Touch With Licensed Agent Ben Van Cat
Have questions about your existing policies, renewal premiums, or exploring new personal and commercial protection? We are here to help.
Office Location
8295 Bolsa Avenue, Midway City, CA 92655
Located in Midway City / Westminster area, Orange County, California.
Agency Hours
Monday – Friday: 9:00 AM – 6:00 PM | Saturday: By Appointment | Online claim form available anytime
Appointments welcome in English & Vietnamese.
Regulatory Authority
California Department of Insurance License #0J13438
Ben Cat USA, operated by Century Financial Group.
Request Your Tailored Insurance Quote
Let us examine your current policy or design a fresh plan to maximize protection while minimizing out-of-pocket costs.
Premium Estimator
Adjust a few coverage details to see an educational monthly price range before requesting a personalized proposal.
Older vehicles may have different repair and physical-damage costs.
Age is one of several rating factors used by insurers.
Schedule a Conversation With Confidence
Choose a preferred time for a phone call or an in-person appointment. English and Vietnamese appointments are welcome.