Our Carriers -- including our favorites
We work with nearly three dozen carriers and we're adding more all the time. However, the carriers we have are among the best insurance companies out there. On this page you'll find a list of carriers along with some of the reasons we are particularly fond of a few of them, and some fun facts about some of the others.
Why these six are our favorites . . .
Number one client benefit: Forget the fact that their children's term rider covers even adult kids (up to age 21 at policy issuance), or that they offer a spousal term
rider. Mutual Trust Life has, hands-down, the best Paid-up Additions rider in the industry. Considering PUAs are what drive the Infinite banking Concept (aka Be Your Own Banker), this means that, for those who qualify, a whole life policy with Mutual Trust may help you grow wealth longer than others. Most PUA riders are a "use it or lose it" deal. MTL eliminates that--which means people can get the coverage they need now while truly planning for the future.
Number one client benefit: Most Accidental Death policies only pay out upon the death of the insured. Most Accidental Death & Dismemberment (AD&D) policies cover the insured only if they lose two of the following: feet, hands, or complete loss of sight in the eye(s). Gerber's AD&D will pay out half the face amount if
the insured loses just one of those. And you're more likely to lose one of those than two. If you need another reason to like Gerber, they also have the cheapest guaranteed insurance policies in the business.
Number one client benefit: Foresters Financial is a Fraternal Benefit Society. In layman's terms, it's a non-profit mutual company. As such, it has a heart to serve. Foresters offers non-medical exam options for both term and whole life, is friendly to Diabetics (including Type-1 Diabetes in
children), and has the best Accelerated Death Benefit (ADB) rider in the industry. The ADB rider allows you to access a percentage of the eligible death benefit in the event of chronic/critical/terminal illness. Foresters allows you to access up to 24/95/95 percent of the death benefit in qualifying circumstances. (Most companies allow 10/24/50.) Their 20-pay whole life policies for children allow you to set your kids up for life without mortgaging their futures. They'll even throw $1,000 to a policy owner's favorite charity upon the death of the insured just because. That's the heart of a non-profit.
Number one client benefit: Yes, they have an accident policy with a return of premium rider. Yes, they have
an instant decision IUL with favorable terms. Yes, they
have a full suite of health insurance products ranging from dental to disability and long-term care. The number one reason they make this list is because of their Long-term Care rider that will essentially turn your fully-underwritten Indexed Universal Life (or IUL) into a tax-advantaged Long-term Care policy if you ever need it. Considering that, statistically-speaking, 70% of Americans will need some kind of long-term care, this rider is a must! And it's cheap, too. Only a few dollars a month--literally--because it's not building up cash in a separate policy; instead the rider allows you to access your life insurance policy for long-term care needs, whether that's a nursing home, assisted living facility, or at-home health care.
Number one client benefit: Let's talk annuities. It used to be that you could start an annuity the same way you could start an IRA or a 401(k), just a small, regular contribution. For the most part, these have all
gone the way of the dinosaur. Annuity companies today typically want a minimum of $5,000 (many require $10,000) to open an annuity. In this arena, National Life Group is a throw-back to the way it was. In the process, the average person can reap the benefits of annuities. NLG allows investors to open an annuity with as little as a $25 per week commitment. Investors can then roll it over to any one of more varied annuity opportunities after the annuity reaches the required threshold.
Number one client benefit: Lafayette Life is probably the most flexible in actually designing policies for clients with specific needs or desires. Whether that's a limited pay period or pre-planning for
large expenditures utilizing the Infinite Banking Concept, Lafayette excels. Additionally, they are particularly good at turning single-premium life insurance (aka Modified Endowment Contracts) into actual life insurance policies with all the tax advantages inherent therein.
NOTE: Of the six companies featured above, five are--in practicality--mutual companies (paying dividends to the policy holders). Only Gerber is a stock company (paying dividends to shareholders), but we don't recommend Gerber for insurance policies except as noted above and, in rare instances, for children's life insurance.
All six companies are rated 'A' or better by the leading insurance company rater A.M. Best.
Carriers with interesting product nuances . . .
Aetna Senior Benefits-- Aetna offers life insurance policies up to the age of 89.
AIG/Corebridge Financial -- AIG's guaranteed insurance has a limited-pay period (usually age 82-88).
Americo -- Looking at IULs? Choose Americo's cap (15.25%) or participation (86%) rate--or blend them.
Baltimore Life -- its Generation Legacy combines two products--a single premium immediate annuity and a limited pay whole life insurance policy--to pass assets tax-free to heirs.
Fidelity & Guaranty (F&G) -- Fixed Annuities with a wide choice of indices (incl. gold and real estate).
Great Western -- GW's guaranteed insurance product allows for applicants as young as 40.
Manhattan Life-- The Affordable Choice health plan may pay you more than the cost of medical services.
Royal Neighbors --Unique riders include a cancer waiver of premium and 80% for chronic illness (ADB).
Transamerica -- Non-med whole life and term policies have higher than normal limits for the industry-- $2mm for those under 45, $1mm for <55.
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Other carriers we are proud to represent . . .
Annuities
Athene -- has an A+ rating w/ A.M. Best and consistently makes various Top 10 lists.
In addition to Athene, Baltimore Life, F&G, and National Life Group, we are able to offer annuities through these other carriers already noted above: Americo, Lafayette Life, Mutual of Omaha, and Transamerica. We are also able to offer annuities through Genworth. Additionally, two carriers on the list below offer annuity riders on certain life products: American Amicable and Royal Neighbors.
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Life Insurance
Aflac (final expense only)
American Amicable
Ameritas (IUL only)
Ethos
Genworth
John Hancock (term insurance only)
Manhattan Life (group life insurance)
Royal Neighbors of America
TruStage (term insurance only)
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Health Insurance
We offer regular health insurance (HMO and PPO plans), supplemental health insurance plans (accident, cancer, heart attack, stroke, dental, hearing, and vision plans), Medicare supplements (Medigap), Medicare Advantage plans, prescription plans, disability income insurance, and long-term care insurance through the carriers listed below. (Not every carrier offers every plan.)
ACA/Exchange Marketplace (Obamacare)
ACE (Medicare supplements only)
Aetna
Ameritas
Cigna
Delta Dental
Geisinger
Genworth*
Highmark
Humana
Lumico (supplemental health)
Manhattan Life
Manhattan Life Assurance Company (Medicare supplements only)
Mutual of Omaha*
Transamerica*
United Health Care
UPMC
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Note: We can offer long-term care policies and asset-protecting long-term care partnership policies through the companies denoted with an asterisk. These same companies also offer a long-term care rider on some of their IUL offerings, thus effectively turning your life insurance policy into a long-term care policy on an "if needed" basis.