Our CarriersOur Carriers
Top-rated carriers.
Independent guidance.Top-rated carriers.
Independent guidance.
All A-rated or better by AM Best. Compared independently so you get the best fit, not the highest commission.
BY THE NUMBERS
Why we work with the carriers we do
Every carrier clears the same bar — A or better from AM Best — so your family's protection is never in question.
12
Partner carriers
A or Better
AM Best rating
$0
Extra cost for living benefits
Rate comparison
$1M coverage · 20-year term · Male · Age 35 · Preferred Plus
Illustrative only. Final rates based on full underwriting.
WHO WE WORK WITH
Our trusted partner carriers
All A-rated or better by AM Best — selected for competitive rates, strong living benefits, and a track record of paying claims.
All carriers rated A (Excellent) or A+ (Superior) by AM Best as of 2025. Ratings are subject to change.
WHY IT MATTERS
How we choose who makes the cut
Not every carrier earns a spot. Here's the standard every partner in our network has to meet.
Financial strength
An A or A+ rating from AM Best means the carrier has the reserves to pay your claim — no matter what the economy does.
A-rated carriers only
A 20- or 30-year policy needs a carrier that'll still be here decades from now. We don't recommend anyone who can't clear that bar.
Independent guidance
We're not captive to any carrier. We run the numbers across all 12 and recommend what fits your situation — not what pays us more.
Ready to see
what's out there?
Ready to see
what's out there?
Compare real quotes from all 12 carriers in minutes — no obligation, no phone call required.
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