Our Insurance Carriers
As an independent agency, I work with 30+ A-rated carriers to find the right policy for your situation. Here are the carriers I place coverage with most often.
Mutual of Omaha
One of the most recognized names in life insurance, Mutual of Omaha offers a wide range of products from children's whole life to adult term and permanent coverage. Known for strong claims processing and broad acceptance of health conditions.
Living Promise
- Accepts most health conditions including insulin-dependent diabetes
- Terminal illness rider included
- Strong claims reputation
Term Life Express
- 10, 15, 20, 25, and 30-year terms
- Living benefits included
- No medical exam required
Children's Whole Life
- Guaranteed insurability for life
- Builds cash value from day one
- Locks in low rates early
IULE
- Cash value tied to index performance with downside protection
- Flexible premiums
- Living benefits included
Transamerica
A top-tier carrier with one of the broadest product lineups in the industry. Transamerica covers everything from affordable final expense policies to high-coverage term plans, with some of the widest age ranges available.
Trendsetter LB / Super
- Widest age range for term coverage
- 10, 15, 20, 25, and 30-year terms
- Living benefits on LB version
- Highest available coverage amounts
Express Select
- Instant approval available
- Tobacco and non-tobacco rate classes
- Wide age range acceptance
Final Expense
- Accepts age as young as 0
- Day-one full coverage on most health conditions
- Return of premium rider available
FE Express
- Higher coverage limits than standard final expense
- Simplified underwriting
- Quick approval process
Americo
Known for competitive whole life rates and strong product design, Americo is a go-to carrier for healthy applicants seeking value. Their Eagle Select whole life policy is one of the most popular in the final expense market.
Eagle Select
- Best rates for healthy applicants
- Immediate death benefit that increases over time
- Three underwriting tiers
- 2X accidental death rider available
IUL
- Cash value growth tied to market index with life floor
- Flexible premium structure
- Tax-free access to cash value
Payment Protector
- Level premiums for the full term
- Living benefits included
- Competitive rates for healthy applicants
Term 100 & Term 125
- Level death benefit
- Term 125 adds 25% accidental death benefit
- 15 and 30-year terms available
AIG / Corebridge
AIG (now Corebridge Financial for life and retirement products) is one of the largest insurance organizations in the world. Their final expense products offer both simplified and guaranteed issue options for broad accessibility.
Simplified Issue Whole Life
- Simplified health questions
- Day-one full coverage for qualifying conditions
- Strong financial backing
Guaranteed Issue Whole Life
- No health questions at all
- Graded death benefit in early years
American-Amicable
American-Amicable specializes in simplified issue coverage and is known for accepting applicants with cardiac conditions that other carriers may decline. Their product line covers all ages from newborns to seniors.
Senior Choice
- Specializes in cardiac conditions (stents, bypass)
- Terminal illness rider included
- Simplified underwriting
Family Choice
- Covers newborns through age 49
- Builds cash value
- Living benefits included
Term Made Simple
- Easiest approval process for term coverage
- 10, 15, 20, and 30-year terms
- Living benefits included
Aetna / Accendo
Aetna's life insurance arm through Accendo offers final expense coverage with relaxed underwriting, making them a strong option for applicants who have been declined elsewhere.
Final Expense Whole Life
- No height or weight requirements
- Widest age range for final expense (up to 89)
- Preferred, standard, and modified tiers
- Coverage as low as $2,000 for smaller final expense needs
Ethos
Ethos brings a digital-first approach to life insurance, combining fast online applications with competitive products. Their platform simplifies the buying process while still offering whole life and IUL options.
Advantage Whole Life
- Same-day approval possible
- Renewable death benefit
- Builds cash value
- Wide age range
Guaranteed Issue Whole Life
- No health questions
- Guaranteed approval regardless of health
- Graded benefit in first 2 years
IUL
- High coverage ceiling up to $1M
- Cash value tied to index performance
- Flexible premiums and death benefit
Additional Carrier Partners
I also place coverage with these A-rated carriers depending on your needs, health profile, and budget.
Not Sure Which Carrier Is Right for You?
That is exactly what I do for you. I compare options across all of these carriers and find the best fit for your needs, budget, and health.