Top-Rated Carriers. One Trusted Agency.
As a non-captive agency, we're free to shop the market on your behalf — matching you with the right carrier for your health, budget, and goals.
We've built relationships with some of the most financially strong and respected insurance carriers in the country. That means more options, more competitive rates, and a policy that truly fits your life.
Aetna
Final Expense · Term Life
A Fortune 500 company with over 160 years of history. Aetna is a go-to carrier for final expense coverage, offering simplified-issue products backed by one of the strongest balance sheets in the industry.
Aflac
Whole Life
Aflac offers straightforward whole life insurance with guaranteed premiums and cash value accumulation — a reliable foundation for permanent protection at any budget.
Allianz
IUL · Annuities · Term Life
One of the world's largest financial services companies, Allianz is a leader in fixed-indexed annuities and indexed universal life insurance with strong living benefit options.
American Amicable
Final Expense · Term Life · Whole Life
A Texas-based carrier with over 100 years of experience, American Amicable is a strong final expense choice with simplified-issue products, flexible face amounts, and competitive premiums.
Americo
Final Expense · Term Life
Known for simplified-issue final expense and term life products with competitive rates and fast approvals — a strong choice for seniors and budget-conscious buyers.
Ameritas
IUL · Term Life · Whole Life · Annuities
A mutual-based company with over 130 years of history, Ameritas is a strong IUL carrier offering flexible indexed universal life products with robust living benefit riders and long-term accumulation potential.
Assurity
Term Life · Whole Life · Disability
A Lincoln, Nebraska-based mutual company known for competitive term and whole life products, as well as disability income coverage with flexible underwriting.
Athene
Annuities · Fixed Indexed
A leading annuity provider known for innovative fixed and fixed-indexed annuity products that help clients grow and protect retirement savings.
Banner Life
Term Life · Universal Life
Part of Legal & General America, Banner Life is consistently recognized for offering some of the most competitively priced term life insurance in the market.
Corebridge Financial
Final Expense · Term Life · IUL · Annuities
Formerly AIG Life & Retirement, Corebridge Financial is one of the largest providers of life insurance in the U.S., with a strong final expense portfolio and broad retirement solutions.
Ethos
Term Life · Whole Life
A modern, tech-forward carrier offering fast, no-exam life insurance. Ethos makes it easy to get covered quickly — often with same-day approval.
Fidelity & Guaranty Life
IUL · Final Expense · Annuities
FGL is a strong IUL carrier known for competitive indexed universal life products with attractive cap rates and living benefit options, alongside a solid final expense and annuity portfolio.
Foresters Financial
Final Expense · Term Life · Whole Life
A fraternal benefit society and a top final expense carrier, Foresters is known for competitive simplified-issue products, no-exam options, and unique member benefits included at no extra cost.
Gerber Life
Final Expense · Whole Life · Term Life
Gerber Life is a trusted final expense carrier offering guaranteed-issue whole life products with no medical exam required — ideal for clients who may not qualify for traditional underwriting.
Guardian Life
Whole Life · Term Life · Disability
A Fortune 250 mutual company with over 160 years of history, Guardian is a leader in whole life insurance and disability income coverage with strong dividend performance.
Lincoln National
Term Life · IUL · Annuities
A Fortune 500 company offering a comprehensive suite of life insurance and retirement products, including industry-leading indexed universal life and variable annuity solutions.
MassMutual
Whole Life · Term Life · Disability
One of the most financially strong mutual companies in the U.S., MassMutual is renowned for its participating whole life insurance and consistently high dividend payouts.
Mutual of Omaha
Final Expense · Whole Life · Long Term Care
One of the most recognized names in insurance, Mutual of Omaha offers a broad portfolio with excellent financial strength ratings and reliable claims service.
National Life Group
IUL · Whole Life · Term Life
A Vermont-based mutual company with over 175 years of history. National Life Group is a leader in indexed universal life insurance and living benefit riders.
Nationwide
IUL · Term Life · Whole Life · Annuities
A Fortune 100 company, Nationwide is a strong IUL carrier with competitive indexed universal life products, flexible premium options, and a broad portfolio of annuity and life insurance solutions.
North American Company
IUL · Term Life · Annuities
Part of Sammons Financial Group, North American is a top-rated IUL carrier known for competitive indexed universal life products with strong living benefits and attractive accumulation potential.
Occidental Life
Final Expense · Term Life · Whole Life
Part of the Citizens Inc. family, Occidental Life is a reliable final expense carrier providing straightforward simplified-issue products with dependable service and competitive premiums.
Pacific Life
IUL · Term Life · Annuities
A highly-rated mutual holding company and a leader in indexed universal life insurance, Pacific Life offers competitive IUL products with strong cap rates, flexible design, and broad retirement solutions.
Penn Mutual
Whole Life · Term Life · IUL
Founded in 1847, Penn Mutual is one of the oldest and most financially stable mutual life insurance companies, known for strong whole life dividends and flexible IUL products.
Protective Life
Term Life · Whole Life · Annuities
A Birmingham-based carrier with over 115 years of experience, Protective is consistently recognized for offering some of the most affordable term life insurance available.
Prudential Financial
Term Life · IUL · Annuities
One of the largest financial services companies in the world, Prudential offers a comprehensive range of life insurance and retirement products with top-tier financial strength ratings.
Securian Financial
Term Life · Whole Life · Annuities
A Fortune 500 mutual company headquartered in St. Paul, MN, Securian offers competitive life insurance and annuity products with a strong focus on financial security for families.
Symetra
Term Life · IUL · Annuities
A Bellevue, WA-based carrier and subsidiary of Sumitomo Life, Symetra is known for competitive term life rates and a growing portfolio of indexed universal life and annuity products.
Transamerica
Final Expense · Term Life · IUL
A global financial services leader and a strong final expense carrier, Transamerica offers a wide range of simplified-issue products alongside competitive term and IUL solutions.
TruStage
Whole Life · Term Life
Formerly CUNA Mutual Group, TruStage serves millions of Americans with straightforward, affordable whole life insurance products designed for everyday families seeking permanent protection.
Why non-captive matters
We're not locked into one carrier — and that saves you money.
Captive agents can only offer products from a single company. As an independent agency, we compare rates and coverage across our entire carrier network — so you always get the best fit, not just the only option.
Captive agent
Sells one carrier's products only — limited options, no comparison.
Community Life Agency
Shops 30 top-rated carriers to match you with the best rate and coverage for your situation.
Not sure which carrier is right for you?
That's exactly what we're here for. We'll compare options across our carrier network and present you with the best fit — at no cost to you.
