Our carriers
The insurance companies we work with
Most of our carriers are rated A- or better for financial strength by AM Best — an independent agency that grades how well insurers can pay claims. We show every company’s rating so you can see for yourself.
Carrier lineup
Our carriers
Tap a company to see its rating, background and coverage types.
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B++AM BestLearn more →Mutual of Omaha
Mutual of Omaha is one of the best-known names in American insurance and is a mutual company, owned by its policyholders. It is especially popular for final expense, term and children’s whole life coverage.
Coverage types
- Term life
- Final expense (whole life)
- Guaranteed issue whole life
- Indexed universal life (IUL)
Policies issued by
- Mutual of Omaha Insurance Company
- United of Omaha Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Transamerica
One of the best-known names in American life insurance, with roots going back to 1904. Transamerica is headquartered in Cedar Rapids, Iowa and is part of Aegon.
Coverage types
- Term life
- Whole life
- Indexed universal life (IUL)
- Final expense
Policies issued by
- Transamerica Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Protective
Founded in 1907 in Birmingham, Alabama, Protective is a long-standing life insurer known for competitively priced term and universal life. It is owned by Japan’s Dai-ichi Life Holdings.
Coverage types
- Term life
- Universal life
- Indexed universal life (IUL)
- Annuities
Policies issued by
- Protective Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
National Life Group
National Life has been in business since 1848 and is based in Montpelier, Vermont. Its policies are well known for living benefits — riders that may let you access part of the death benefit early after a qualifying illness.
Coverage types
- Indexed universal life (IUL)
- Term life
- Whole life
- Living benefits riders
Policies issued by
- Life Insurance Company of the Southwest
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Pacific Life
Based in Newport Beach, California, Pacific Life is owned by a mutual holding company and is a leading name in indexed universal life and annuities.
Coverage types
- Indexed universal life (IUL)
- Term life
- Universal life
- Annuities
Policies issued by
- Pacific Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
John Hancock
John Hancock is part of Manulife, one of the world’s largest insurance groups. It is known for its term and indexed universal life policies and its Vitality wellness program.
Coverage types
- Term life
- Indexed universal life (IUL)
- Universal life
Policies issued by
- John Hancock Life Insurance Company (U.S.A.)
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Nationwide
Nationwide is a household name in insurance and financial services, organized as a mutual company. Its life insurance lineup includes term, indexed universal life and policies with long-term-care benefits.
Coverage types
- Term life
- Indexed universal life (IUL)
- Whole life
- Annuities
Policies issued by
- Nationwide Life Insurance Company
- Nationwide Life and Annuity Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Lincoln Financial
Lincoln Financial is a publicly traded insurer (NYSE: LNC) offering term and permanent life insurance, annuities and life insurance with long-term-care benefits.
Coverage types
- Term life
- Indexed universal life (IUL)
- Universal life
- Annuities
Policies issued by
- The Lincoln National Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
North American Company
North American Company for Life and Health Insurance is part of Sammons Financial Group and is based in West Des Moines, Iowa. It is well known for indexed universal life and fixed index annuities.
Coverage types
- Indexed universal life (IUL)
- Term life
- Fixed index annuities
Policies issued by
- North American Company for Life and Health Insurance
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Athene
Athene is one of the largest annuity companies in the U.S., with U.S. operations in West Des Moines, Iowa. It is part of Apollo Global Management.
Coverage types
- Fixed annuities
- Fixed indexed annuities
Policies issued by
- Athene Annuity and Life Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
F&G
F&G (Fidelity & Guaranty Life) focuses on annuities and indexed universal life. It is majority-owned by Fidelity National Financial.
Coverage types
- Fixed indexed annuities
- Fixed annuities
- Indexed universal life (IUL)
Policies issued by
- Fidelity & Guaranty Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Aflac
Founded in 1955 in Columbus, Georgia, Aflac is the best-known name in supplemental insurance — coverage that pays cash benefits directly to you when you’re sick or hurt.
Coverage types
- Accident
- Cancer
- Critical illness
- Hospital indemnity
Policies issued by
- American Family Life Assurance Company of Columbus
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Chubb
Chubb is one of the world’s largest publicly traded property and casualty insurers. Its Insurance Company of North America dates back to 1792. A++ is AM Best’s highest rating.
Coverage types
- Accident
- Hospital indemnity
- Supplemental health
Policies issued by
- ACE Property and Casualty Insurance Company
- Insurance Company of North America
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Aetna (CVS Health)
Aetna was founded in 1853 in Hartford, Connecticut and is now part of CVS Health. Its senior products include Medicare supplement, final expense and supplemental plans.
Coverage types
- Medicare supplement
- Final expense
- Hospital indemnity
- Cancer, heart attack & stroke
Policies issued by
- Accendo Insurance Company
- Aetna Health and Life Insurance Company
- Continental Life Insurance Company of Brentwood, Tennessee
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Allstate Health Solutions
Allstate Health Solutions is the individual health and supplemental brand of The Allstate Corporation.
Coverage types
- Supplemental health
- Accident
- Critical illness
- Short-term medical
Policies issued by
- National Health Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Americo
Americo is a privately held insurer based in Kansas City, Missouri, with roots going back to 1909. It is a popular choice for mortgage protection and final expense.
Coverage types
- Term life
- Mortgage protection
- Final expense
- Whole life
Policies issued by
- Americo Financial Life and Annuity Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Ameritas
Founded in 1887 and based in Lincoln, Nebraska, Ameritas is a mutual-based company offering life insurance, annuities and dental and vision coverage.
Coverage types
- Term life
- Indexed universal life (IUL)
- Whole life
- Annuities
Policies issued by
- Ameritas Life Insurance Corp.
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Banner Life
Founded in 1949 and based in Frederick, Maryland, Banner Life is known for affordable term life insurance. It joined Japan’s Meiji Yasuda Life group in 2026.
Coverage types
- Term life
- Universal life
Policies issued by
- Banner Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Corebridge Financial
Corebridge Financial (formerly AIG Life & Retirement) issues policies through American General Life. It is merging with Equitable; AM Best placed the rating under review while the merger is pending.
Coverage types
- Term life
- Indexed universal life (IUL)
- Guaranteed issue whole life
- Annuities
Policies issued by
- American General Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Foresters Financial
Founded in 1874, Foresters is a member-owned fraternal benefit society. Policyholders become members and may have access to extra member benefits.
Coverage types
- Term life
- Whole life
- Final expense
- Universal life
Policies issued by
- The Independent Order of Foresters
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Gerber Life
Gerber Life is part of Western & Southern Financial Group and is known for its Grow-Up Plan for children and its guaranteed issue life insurance for adults.
Coverage types
- Children’s whole life (Grow-Up Plan)
- Guaranteed issue whole life
- Term life
- Whole life
Policies issued by
- Gerber Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Royal Neighbors of America
Founded in 1895 and based in Rock Island, Illinois, Royal Neighbors of America is a member-owned fraternal benefit society offering life insurance and annuities.
Coverage types
- Final expense
- Term life
- Whole life
- Annuities
Policies issued by
- Royal Neighbors of America
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
American-Amicable Group
Based in Waco, Texas, American-Amicable is known for final expense, mortgage protection and life insurance plans for seniors and veterans. It is part of iA Financial Group.
Coverage types
- Final expense
- Mortgage protection
- Term life
- Whole life
Policies issued by
- American-Amicable Life Insurance Company of Texas
- Occidental Life Insurance Company of North Carolina
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Pan-American Life
Pan-American Life Insurance Group is based in New Orleans, Louisiana and offers life and supplemental health coverage across the Americas.
Coverage types
- Life insurance
- Final expense
- Supplemental health
Policies issued by
- Pan-American Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
SBLI
SBLI — The Savings Bank Mutual Life Insurance Company of Massachusetts — is a mutual company known for straightforward term and whole life insurance.
Coverage types
- Term life
- Whole life
Policies issued by
- The Savings Bank Mutual Life Insurance Company of Massachusetts
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
United Home Life
Based in Indianapolis and part of Indiana Farm Bureau Insurance, United Home Life specializes in simplified-issue coverage like final expense.
Coverage types
- Final expense
- Simplified issue whole life
- Guaranteed issue whole life
- Term life
Policies issued by
- United Home Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
TruStage
TruStage (formerly CUNA Mutual Group) has long provided insurance to credit union members. Its consumer life policies are issued by MEMBERS Life.
Coverage types
- Term life
- Simplified issue whole life
- Guaranteed issue whole life
Policies issued by
- MEMBERS Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Liberty Bankers Life
Founded in 1958 and based in Dallas, Texas, Liberty Bankers Life offers final expense, whole life and term coverage, plus annuities and supplemental health plans.
Coverage types
- Final expense
- Whole life
- Term life
- Annuities
Policies issued by
- Liberty Bankers Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
American Home Life
Founded in 1909 and based in Topeka, Kansas, The American Home Life Insurance Company is a mutual company known for final expense, whole life and preneed coverage.
Coverage types
- Final expense
- Whole life
- Term life
- Annuities
Policies issued by
- The American Home Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Baltimore Life
Founded in 1882 and based in Owings Mills, Maryland, Baltimore Life is a mutual company offering individual life insurance, including final expense, and annuities.
Coverage types
- Final expense
- Whole life
- Term life
- Annuities
Policies issued by
- The Baltimore Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
GPM Life
Founded in 1934 and based in San Antonio, Texas, GPM Life (Government Personnel Mutual Life Insurance Company) is a mutual company offering whole life, term and final expense coverage.
Coverage types
- Whole life
- Term life
- Final expense
- Universal life
Policies issued by
- Government Personnel Mutual Life Insurance Company
Product availability varies by state, age and health. We can tell you which of this company’s plans may fit your situation.
Why ratings matter
What an AM Best rating tells you
Life insurance is a promise that may not be paid for decades. AM Best is an independent rating agency that focuses on insurance companies and grades their financial strength — their ability to pay claims and keep their promises to policyholders.
A rating is one important factor to weigh, along with price, underwriting and policy features.
The highest ratings AM Best assigns.
A strong ability to meet ongoing obligations to policyholders.
A good ability to meet ongoing obligations.
AM Best Financial Strength Rating scale (top tiers). Ratings are opinions, can change, and do not guarantee an insurer’s ability to pay claims.