Not sure which one is right for you? That's exactly what we're here for. Here's a quick overview.
Affordable coverage for a set period — typically 10, 15, 20, or 30 years. Perfect for income replacement, mortgage protection, or covering the years your kids are at home. Lowest cost per dollar of coverage.
Permanent coverage that never expires and builds guaranteed cash value over time. Premiums stay level for life. A solid choice for legacy planning and lifelong protection.
Smaller permanent policies (typically $5,000–$50,000) designed to cover funeral costs, medical bills, and end-of-life expenses so your family isn't left with the bill. Easier to qualify for, often no medical exam.
Permanent coverage with cash value tied to a market index (with downside protection). Flexible premiums and a tax-advantaged way to build long-term wealth alongside protection.
Acceptance is guaranteed — no health questions, no medical exam. Designed for clients with serious health conditions or those who've been declined elsewhere. Coverage amounts are smaller and may have a graded benefit period.
A specialized term policy sized to pay off your mortgage if something happens to you. Often pairs with a return-of-premium rider so you get money back if you outlive the term.
We're appointed with many of the highest-rated life insurance carriers in the country. Here's a snapshot of who we shop your case with — and what each carrier is known for.
Ethos has built one of the fastest digital underwriting platforms in the industry. Healthy applicants can often get fully approved online in 10–20 minutes with no medical exam. A strong choice for younger applicants and clean health histories who want term life fast.
One of the largest and most established life insurers in North America. Transamerica is a workhorse for term and IUL — known for competitive rates on longer-term policies (25 and 30 year) and robust riders including living benefits at no extra cost.
Americo is a go-to carrier for mortgage-protection term policies and final-expense whole life. Lenient underwriting, helpful return-of-premium riders, and quick decision turnarounds make Americo a great fit for families and seniors looking for guaranteed coverage with simple qualifying.
Corebridge brings the strength of a Fortune 500 carrier with a deep product shelf — competitive term rates (especially Select-A-Term, which can be tailored down to one-year increments) and strong cash-value performance on universal life. A favorite for clients who want flexibility.
Through its Accendo subsidiary, Aetna offers some of the most competitive final-expense whole life rates available — especially for clients in their 60s and 70s. Easy underwriting, level benefits day one for healthier applicants, and the comfort of a household-name brand.
Mutual of Omaha is a household name for a reason — A+ rated, broad product shelf, and consistently competitive rates across term, whole life, and Living Promise final expense. Excellent option for clients who want both an iconic brand and solid pricing.
TruStage (the rebranded CUNA Mutual) specializes in straightforward, accessible coverage — term, whole life, and guaranteed acceptance options designed for everyday families. Often a great fit for budget-conscious clients who want simple, dependable protection.
Baltimore Life is known for being friendly toward applicants with health complications other carriers shy away from — including diabetes, prior cancer, and cardiovascular history. If you've been declined elsewhere, Baltimore Life is often where we find a yes.
…and many more. We continually add carrier appointments so we can keep shopping the most competitive market for you.
That's literally our job. Tell us a little about yourself and we'll do the comparison work for free.