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.
American-Amicable Life Insurance Company of Texas
Founded: 1910 | AM Best Rating: A (Excellent) | View Full Profile →
A Waco, Texas-based simplified issue specialist and subsidiary of iA Financial Group of Canada. American-Amicable excels at no-exam term and final expense whole life for seniors ages 50–85 and individuals with health conditions who may not qualify for traditionally underwritten coverage. Also smoker-friendly with competitive rates for tobacco users.
Ameritas Life Insurance Corp.
Founded: 1887 | AM Best Rating: A (Excellent) | View Full Profile →
A mutual life insurer headquartered in Lincoln, Nebraska with over 50 consecutive years of A (Excellent) ratings from AM Best. Ameritas is the nation’s leading group dental carrier — their Ameritas Dental Network powers the Spirit Dental & Vision plans we offer clients. Also offers term life with living benefits, dividend-eligible whole life, individual disability income insurance, and annuities.
Assurity Life Insurance Company
Founded: 1890 | AM Best Rating: A- (Excellent) | View Full Profile →
A Lincoln, Nebraska-based mutual life insurer and certified B Corporation. Strong no-exam term coverage up to $1 million for ages 18–50, one of the few carriers still offering return of premium term, and a solid disability income product. Best for healthy individuals under 50 seeking affordable no-exam term coverage.
Banner Life Insurance Company (Legal & General America)
Founded: 1949 | AM Best Rating: A+ (Superior) | View Full Profile →
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 AIG / American General Life)
Founded: 1960 (as American General Life) | AM Best Rating: A (Excellent) | View Full Profile →
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.
Equitable (formerly AXA Equitable)
Founded: 1859 | AM Best Rating: A (Excellent) | View Full Profile →
AXA Equitable Life Insurance Company rebranded to Equitable (Equitable Holdings, Inc.) in 2020. One of the oldest life insurers in America. Best known for variable and indexed universal life products for high-income individuals seeking permanent coverage with cash value growth potential.
Guardian Life Insurance Company
Founded: 1860 | AM Best Rating: A++ (Superior) | View Full Profile →
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 Choice disability contract is the gold standard for own-occupation disability insurance in 49 states.
John Hancock Life Insurance
Founded: 1862 | AM Best Rating: A+ (Superior) | View Full Profile →
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 up to 25%. John Hancock offers strong term and universal life products and is known for flexible underwriting, particularly for age 60+ clients.
Lincoln Financial Group (Lincoln National)
Founded: 1905 | AM Best Rating: A (Excellent) | View Full Profile →
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 qualifying 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) | View Full Profile →
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.
MetLife Investors — Now Brighthouse Financial
Status: Spun off as Brighthouse Financial (2017) | View Details →
MetLife Investors was spun off as Brighthouse Financial in 2017. MetLife Investors no longer issues new individual life insurance policies. Existing policies are serviced by Brighthouse Financial (AM Best: A, Excellent).
Midland National Life Insurance Company
Founded: 1906 | AM Best Rating: A+ (Superior) | View Full Profile →
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. A top carrier for retirement income planning through permanent life insurance.
Mutual of Omaha
Founded: 1909 | AM Best Rating: A+ (Superior) | View Full Profile →
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 seeking final expense coverage.
North American Company for Life and Health Insurance
Founded: 1886 | AM Best Rating: A+ (Superior) | View Full Profile →
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) | View Full Profile →
Pacific Life is consistently ranked among the best term life insurers for pricing and customer satisfaction. Offers exam-free term coverage up to $3 million for qualifying applicants through accelerated underwriting. Also a top provider of indexed universal life and guaranteed universal life products.
Penn Mutual Life Insurance Company
Founded: 1847 | AM Best Rating: A+ (Superior) | View Full Profile →
One of the oldest mutual life insurers in the United States, with a continuous dividend history since 1847. Penn Mutual’s 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 and cash value accumulation strategies.
Petersen International Underwriters (Lloyd’s of London Coverholder)
Founded: 1979 | Financial Backing: Lloyd’s of London (AM Best: A, Excellent) | View Full Profile →
A specialty insurance Coverholder at Lloyd’s of London — our go-to market for high-limit, impaired-risk, and hazardous occupation cases that traditional carriers won’t cover. PIU specializes in high-limit disability (up to $100,000/month), guaranteed-issue disability programs, key person and buy-sell disability, specialty life insurance, and contingency coverages. Licensed in all 50 states and D.C. Essential for high-earning clients who have maxed out traditional DI markets.
Principal Life Insurance Company
Founded: 1879 | AM Best Rating: A+ (Superior) | View Full Profile →
Principal is a strong choice for business-owned life insurance applications and occupational specialty cases. Also a carrier we work with for individual disability insurance. Offers term and universal life products with competitive underwriting for a broad range of occupational risk classes and business scenarios.
Protective Life Insurance Company
Founded: 1907 | AM Best Rating: A+ (Superior) | View Full Profile →
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. Note: Protective acquired West Coast Life Insurance Company — those policies are now administered by Protective.
Prudential Life Insurance (Prudential Financial)
Founded: 1875 | AM Best Rating: A+ (Superior) | View Full Profile →
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. Also uses “age last birthday” pricing, which can save approximately 10% on premiums for applicants who apply within six months of their next birthday.
Royal Neighbors of America
Founded: 1895 | AM Best Rating: A (Excellent) | View Full Profile →
A fraternal benefit society and one of the nation’s fastest-growing women-led life insurers, founded in 1895 in Rock Island, Illinois. Rated A (Excellent) by AM Best — upgraded in 2020 and affirmed December 2025 — and named to Forbes’ Best Insurance Companies for 2025. Offers term life, whole life (including a new 2025 Single Premium Whole Life product), and annuities. Policyholders become members with access to prescription savings, health screenings, scholarships, and community chapter programs.
Savings Bank Life Insurance Company of Massachusetts (SBLI)
Founded: 1907 | AM Best Rating: A (Excellent) | View Full Profile →
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) | View Full Profile →
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.
Sun Life Assurance Company of Canada
Founded: 1865 | AM Best Rating: A+ (Superior) | View Full Profile →
Sun Life is one of the most financially stable life insurers in North America with over 155 years of history. Primarily known in the US for group benefits — group life, disability, dental, and stop-loss coverage through employer plans. Individual life products available in select markets.
Symetra Life Insurance Company
Founded: 1957 | AM Best Rating: A (Excellent) | View Full Profile →
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).
Transamerica Life Insurance Company
Founded: 1928 | AM Best Rating: A (Excellent) | View Full Profile →
Transamerica offers a broad range of term, whole life, universal life, and indexed universal life products. Competitive pricing across multiple age bands. Note: Transamerica acquired Western Reserve Life Assurance Company of Ohio — those policies are now administered by Transamerica.
Voya Financial (formerly ING)
Founded: 1935 (as ING) | AM Best Rating: A (Excellent) | View Full Profile →
ING Life Insurance and Annuity Company rebranded to Voya Financial in 2013 following ING Group’s divestiture of its US operations. Voya focuses primarily on workplace retirement plans, group life and disability insurance, and investment products today.
Discontinued / Acquired Carriers
The following carriers we have historically represented have been acquired, discontinued, or have exited individual life insurance markets:
- Aviva USA — Sold US operations in 2013. No longer active in the US market. Details →
- Genworth Life and Annuity — Has largely exited individual life insurance markets. We do not represent Genworth for new business. Details →
- Lincoln Benefit Life — Discontinued; policies transferred to Allstate Life.
- West Coast Life — Acquired by Protective Life. All policies now administered by Protective. Details →
- Western Reserve Life — Acquired by Transamerica in 2007. All policies now administered by Transamerica. Details →
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 contact us to discuss your options.