Our Carriers
37+ carriers. One goal: the best rate for you.
As an independent brokerage, we're not locked into any single insurance company. We shop the entire market to find the coverage that fits your needs and budget. Every carrier listed below holds an AM Best rating of A- or higher.
What is an AM Best Rating?
AM Best is the leading credit rating agency for the insurance industry. Their financial strength ratings measure an insurance company's ability to pay claims. We only work with carriers rated A- ("Excellent") or higher, so you can feel confident your policy will be there when your family needs it.
Top 10 by Premium Volume
The largest life insurance companies in the United States, representing nearly half of the total market.
Northwestern Mutual
#1 market share. Whole life & dividends.
New York Life
Largest mutual insurer in the U.S.
MassMutual
Dividend-paying whole life specialist.
MetLife
Group life leader. Broad product range.
Prudential Financial
Largest by assets. Term & universal life.
Lincoln Financial
IUL, VUL, guaranteed universal, and term.
Nationwide
Term, whole, and indexed universal life.
State Farm
Largest agent network in the country.
Protective Life
Competitive term rates. Up to 40-year terms.
John Hancock
Vitality wellness rewards program.
Major National Carriers
Established carriers with strong financials, broad product lines, and competitive rates.
Guardian Life
Mutual. Paying dividends since 1868.
Pacific Life
Top 5 IUL carrier. Affluent market.
Transamerica
#1 selling IUL product. Express underwriting.
National Life Group
#1 in IUL sales by market share.
Mutual of Omaha
Term, whole, and final expense.
Penn Mutual
Dividend whole life specialist.
Equitable
VUL, IUL, and annuities.
Securian Financial
Group and individual life.
Corebridge Financial
Formerly AIG. 18 term length options.
Principal Financial
Group benefits and retirement.
USAA
Military families.
North American Co.
IUL and fixed indexed annuities.
Banner Life
Cheapest term rates. Up to 40-year terms.
Allianz Life
Fixed indexed annuity leader. IUL products.
Sammons Financial
Employee-owned. Parent of North American Co.
Specialty & Niche Carriers
Carriers that specialize in final expense, no-exam policies, simplified issue, and other targeted products.
Foresters Financial
No-exam whole life. Liberal underwriting.
Gerber Life
Guaranteed issue ages 50-80. Children's life.
Globe Life
Direct-to-consumer. Final expense.
Colonial Penn
Guaranteed acceptance ages 50-85.
SBLI
No-exam term and whole life.
Symetra
SwiftTerm: 18-minute digital approvals.
Fidelity Life
RAPIDecision multi-carrier platform.
Americo Financial
Final expense and annuities.
Security National Life
Final expense and mortgage protection.
Thrivent
Largest fraternal insurer.
Ameritas
Dental, vision, and life.
American National
Broad portfolio. All 50 states.
Let us find the right carrier for you
Every person's situation is different. We compare rates across all of our carriers to find the best fit for your age, health, coverage needs, and budget.