We Don’t Work for One Carrier. We Work for You.
As an independent brokerage, we partner with 48+ of America’s top-rated life insurance carriers. This means we compare every option to find the best coverage at the best price for your specific situation — at no extra cost.
Why Having 48+ Carriers Matters
Better Rates
Different carriers price risk differently. A condition that's expensive with one carrier may be standard with another. We find the best rate for YOUR profile.
Better Fit
No single carrier is best at everything. We match you with the carrier whose products, riders, and underwriting best fit your specific needs.
Same Price
Premiums are set by the carrier and filed with regulators. The price is identical whether you go direct or through us. Our service is free.
What Are A.M. Best Ratings?
A.M. Best is the leading credit rating agency for the insurance industry. Their ratings assess an insurer’s financial strength and ability to pay claims. An “A” rating or higher indicates excellent financial strength. We only partner with carriers rated A- or better, so you can trust that your policy will be there when your family needs it most.
Our Carrier Partners
Every carrier we partner with is A-rated by A.M. Best for financial strength. Click any carrier to learn more.
Nationwide
Term, Whole Life, IUL
One of America's largest diversified insurance and financial services companies. Known for competitive term rates and strong IUL products.
Pacific Life
IUL, Annuities
Industry leader in indexed universal life and fixed index annuities. Over 150 years of financial strength and innovation.
Transamerica
Term, Whole Life, IUL
Global financial services company offering a full range of life insurance products. Strong underwriting for diverse health profiles.
Lincoln Financial
IUL, Term, Annuities
Fortune 500 company known for flexible IUL designs and competitive annuity rates. Excellent living benefit riders.
Protective Life
Term, Whole Life
Consistently competitive term life rates. Known for simplified underwriting and fast approvals.
AIG
Term, IUL, Final Expense
Global insurance leader with competitive rates across all product lines. Strong no-exam options available.
Mutual of Omaha
Term, Whole Life, Final Expense
Trusted household name since 1909. Excellent final expense and guaranteed issue products for seniors.
North American
IUL, Annuities
Sammons Financial Group company. Industry-leading IUL products with strong cap rates and index options.
Allianz
Annuities, IUL
Global financial powerhouse. Top-rated fixed index annuities with innovative income rider options.
National Life Group
IUL, Whole Life
Vermont-based carrier known for competitive IUL products and strong living benefits. Excellent agent support.
Athene
Annuities
Rapidly growing annuity specialist. Competitive fixed index annuity rates with flexible income options.
Americo
Term, Final Expense, IUL
Kansas City-based carrier with competitive rates and simplified issue options. Strong in the final expense market.
F&G
Annuities, IUL
Fidelity & Guaranty Life. Innovative annuity products with competitive rates and strong accumulation potential.
Aetna
Term, Group Life
CVS Health company. Strong term life products with competitive group rates for employers.
Aflac
Supplemental, Final Expense
America's most recognized supplemental insurance brand. Strong final expense and accident coverage options.
American Amicable
Final Expense, Term
Specialist in simplified issue and guaranteed acceptance life insurance. Excellent options for seniors and those with health concerns.
Ethos
Term, Whole Life
Modern, technology-driven carrier offering fast, no-exam life insurance. Simplified application process.
TruStage
Term, Whole Life
Formerly CUNA Mutual Group. Trusted by credit union members nationwide. Competitive rates with simplified underwriting.
Ameritas
Whole Life, IUL
Mutual company known for strong participating whole life policies with competitive dividend rates.
Banner Life
Term Life
Legal & General America company. Consistently among the most competitive term life rates in the industry.
Ladder
Term Life
Innovative digital-first carrier backed by Fidelity. Instant decisions and flexible term coverage you can adjust anytime.
Fidelity Life
Term, Final Expense
Chicago-based carrier specializing in affordable coverage. Strong no-exam term and final expense options.
Plus additional carriers not listed here. Our total network includes 48+ A-rated carriers across all 50 states.
Explore Our Resources
48+ Carriers. One Call.
The Best Rate for You.
Instead of calling 48+ different companies, let us do the comparison shopping for you. We’ll find the carrier that offers the best rate and coverage for your specific health profile, age, and goals — completely free.
Compare 48+ Carriers in Minutes
Free quotes from America's top-rated insurance companies
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Important Disclosure
This content is for informational purposes only and does not constitute financial, tax, legal, or insurance advice. Individual circumstances vary. Consult with a licensed insurance professional or financial advisor before making any insurance or financial decisions. Policy features, benefits, and availability may vary by state and carrier.
Sources & References
- NAIC Consumer Guide to Life Insurance(Accessed Feb 2025)
- 2024 Insurance Barometer Study — LIMRA & Life Happens(Accessed Feb 2025)
- IRS Publication 525 — Taxable and Nontaxable Income(Accessed Feb 2025)
All sources cited are publicly available and were verified at the time of publication. Evolve Legacy Group is committed to providing accurate, up-to-date information. See our Editorial Standards for more information.
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The most popular type of coverage
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Permanent coverage with cash value
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