$args = array(
'name' => 'Test',
'description' => ' ',
'can_delete' => 0
);
xprofile_insert_field_group( $args );
thats what I found. but the problem is it ignores can_delete and simply puts 1 (i tried both false and 0)…
and why xprofile_insert_field() doesn’t accept ‘type’ => ‘option’? I need to add some checkboxes but it doesnt let me do it 
UPD:
//HACK: to allow options
global $bp;
(array)$bp->profile->field_types[] = 'option';