As independent life insurance brokers, we are not captive to any single carrier. We shop the market on your behalf across more than 40 top-rated insurance companies to find the right policy at the best available rate for your age, health, and coverage objectives. Below are profiles of the primary carriers we work with for life insurance.
Financial strength ratings below are from A.M. Best, the leading independent rating agency for insurance company financial strength. Ratings reflect a company’s ability to pay claims. We only represent carriers with strong, investment-grade ratings.
Banner Life Insurance Company (Legal & General America)
Founded: 1949 | AM Best Rating: A+ (Superior)
Banner Life consistently ranks among the top term life insurers for price competitiveness, particularly for ages 30–60. Their OPTerm product is available in 10, 15, 20, 25, 30, 35, and 40-year durations — one of only two carriers offering a 40-year term. Banner offers an accelerated underwriting program with exam-free coverage up to $5 million for qualifying applicants ages 20–60. Note: Banner’s parent company, Legal & General America, was acquired by Japanese insurer Meiji Yasuda in 2024–2025. Existing policies and ratings are not affected.
CoreBridge Financial (formerly American General Life)
Founded: 1960 (as American General Life) | AM Best Rating: A (Excellent)
CoreBridge Financial — rebranded from AIG’s life and retirement business — is a major carrier for both term and permanent life insurance. Competitive pricing on term products and a broad product portfolio spanning indexed universal life, guaranteed universal life, and annuities. Strong accelerated underwriting program available for qualifying applicants.
Guardian Life Insurance Company
Founded: 1860 | AM Best Rating: A++ (Superior)
A mutual insurance company with the highest possible AM Best rating. Guardian is a leading carrier for individual disability insurance (through Berkshire Life) and offers strong whole life products with a consistent dividend-paying history. Guardian’s ProVider Plus disability contract is regarded as one of the strongest individual DI contracts available in the marketplace.
John Hancock Life Insurance
Founded: 1862 | AM Best Rating: A+ (Superior)
John Hancock is a top choice for older applicants and individuals with height/weight concerns. Their Vitality program rewards policyholders for healthy behaviors with premium discounts and other benefits. John Hancock offers strong term and universal life products and is known for flexible underwriting on certain health conditions.
Lincoln Financial Group (Lincoln National)
Founded: 1905 | AM Best Rating: A+ (Superior)
Lincoln Financial is a top-tier insurer for both term and permanent products. Particularly strong for tobacco users who smoke cigars or use smokeless tobacco — Lincoln offers standard non-tobacco rates to certain tobacco users, which can represent significant premium savings. Their TermAccel digital platform provides fast, streamlined underwriting for qualifying applicants.
MassMutual (Massachusetts Mutual Life Insurance Company)
Founded: 1851 | AM Best Rating: A++ (Superior)
A mutual life insurer with the highest possible AM Best rating and a continuous dividend-paying history dating to 1869. MassMutual is a top choice for whole life insurance and long-term cash value accumulation strategies. Strong whole life product offerings and robust conversion options from term policies.
Midland National Life Insurance Company
Founded: 1906 | AM Best Rating: A+ (Superior)
Midland National is a Sammons Financial Group company with a strong reputation for indexed universal life products and fixed annuities. Competitive IUL products with high cap rates. Available in most states.
Mutual of Omaha
Founded: 1909 | AM Best Rating: A+ (Superior)
Mutual of Omaha is a well-known mutual insurer with a diverse product line spanning term, universal life, final expense whole life, Medicare supplement, and long-term care insurance. Their simplified issue and guaranteed issue final expense products make them a leading choice for seniors. Term Life Answers provides no-exam coverage up to $300,000 for qualifying applicants.
North American Company for Life and Health Insurance
Founded: 1886 | AM Best Rating: A+ (Superior)
North American (a Sammons Financial Group company) offers competitive term and indexed universal life products. Known for competitive IUL crediting strategies and strong term pricing for certain age and health profiles.
Pacific Life Insurance Company
Founded: 1868 | AM Best Rating: A+ (Superior)
Pacific Life is consistently ranked among the best term life insurers for pricing and customer satisfaction. Offers exam-free term coverage up to $1 million for qualifying applicants through accelerated underwriting. Also a top provider of indexed universal life and guaranteed universal life products for permanent coverage needs.
Penn Mutual Life Insurance Company
Founded: 1847 | AM Best Rating: A+ (Superior)
One of the oldest mutual life insurers in the United States, with a continuous dividend history since 1847. Penn Mutual’s Accelerated Client Experience (ACE) program offers no-exam coverage up to $5 million (and in some cases up to $10 million) for qualifying applicants ages 20–65. A top choice for whole life, especially for those interested in cash value accumulation and infinite banking concepts.
Principal Life Insurance Company
Founded: 1879 | AM Best Rating: A+ (Superior)
Principal is a strong choice for business-owned life insurance applications and occupational specialty cases. Offers term and universal life products with competitive underwriting for a broad range of occupational risk classes.
Protective Life Insurance Company
Founded: 1907 | AM Best Rating: A+ (Superior)
Protective consistently ranks among the most price-competitive term life insurers in the country, particularly for longer-duration term policies. Along with Banner Life, Protective is one of only two carriers offering a 40-year term. Extended conversion options allow term-to-permanent conversion often up to age 70, making Protective a top choice for buyers who may want future flexibility.
Prudential Life Insurance (Prudential Financial)
Founded: 1875 | AM Best Rating: A+ (Superior)
Prudential is the industry leader for underwriting complex or high-risk health situations — including diabetes, heart disease, cancer history, and tobacco use. Their specialized underwriting teams evaluate risk with nuanced guidelines that other carriers may decline. Prudential also uses “age last birthday” pricing, which can save approximately 10% on premiums for applicants who apply within six months of their next birthday.
Savings Bank Life Insurance Company of Massachusetts (SBLI)
Founded: 1907 | AM Best Rating: A (Excellent)
SBLI is a top choice for healthy individuals seeking aggressive term pricing and no-exam coverage. Their preferred rates are among the lowest in the industry for qualifying applicants under age 60. Also a good option for applicants with mild health conditions, favorable family history, and scuba divers.
Securian Financial (Minnesota Life)
Founded: 1880 | AM Best Rating: A+ (Superior)
Securian Financial, through its Minnesota Life subsidiary, is a strong competitor in both individual and group life insurance markets. Solid competitive term pricing and a broad permanent portfolio including indexed universal life products.
Symetra Life Insurance Company
Founded: 1957 | AM Best Rating: A (Excellent)
Symetra’s SwiftTerm digital platform is one of the most advanced accelerated underwriting programs in the market — providing exam-free decisions in as little as 18 minutes for qualifying applicants. Offers exam-free coverage up to $3 million (ages 18–50) and up to $2 million (ages 51–60). Competitive term and universal life products with a strong technology-forward application process.
Transamerica Life Insurance Company
Founded: 1928 | AM Best Rating: A (Excellent)
Transamerica offers a broad range of term, whole life, universal life, and indexed universal life products. Competitive pricing across multiple age bands with a streamlined digital application process available for qualifying applicants.
Working With Multiple Carriers Is the Key Advantage
Each carrier has different underwriting guidelines, pricing models, and product strengths. A 55-year-old with well-controlled Type 2 diabetes may receive a very different offer from Prudential vs. Banner vs. Pacific Life — and the difference in price can be substantial. As independent brokers, we use our knowledge of each carrier’s guidelines to match your specific profile to the company most likely to offer the best terms.
Call us at 1-888-972-0024 or e-mail us 24 hours a day to discuss your options.