Insurance Carrier
Reviews
Honest, independent reviews of the carriers we work with. Asurgo shops 25+ carriers, so we know their strengths, their weaknesses, and which families they serve best.
TOP PICKS
Best Carriers by Product Type
We work with 25+ carriers across every major product line. Here are our top-rated picks in each category, based on years of hands-on experience placing real policies for real families.
Best for Final Expense
Simplified issue with broad health acceptance
Competitive rates for healthy applicants
Guaranteed acceptance option for ages 50 to 80
Strong financial backing with flexible plans
Best for Mortgage Protection
Level and decreasing term options with fast approval
Competitive rates for larger coverage amounts
No-exam options with simplified underwriting
Best for IUL
Strong cap rates and flexible premium options
Solid index options with competitive fees
Attractive accumulation-focused designs
Best for Annuities
Top-rated fixed indexed annuities
Broad range of fixed and indexed products
Competitive guaranteed rates
OUR PROCESS
How We Review Carriers
Asurgo is an independent brokerage, not a captive agency. We are not owned by or contractually tied to any single carrier. That independence is what allows us to give honest assessments of every company we work with.
We evaluate carriers across five dimensions: financial strength (AM Best rating), pricing competitiveness, underwriting flexibility (how lenient they are with health conditions), claims payout history, and product range. Our assessments are based on years of working with these carriers and placing real policies for real families.
Our reviews are updated regularly as carriers change their products, pricing, and underwriting guidelines. If a carrier improves or declines, our ratings reflect that.
FULL DIRECTORY
All Carrier Reviews
Browse our complete directory of carriers. Each review reflects our hands-on experience placing policies with these companies.
Aetna
Large national carrier backed by CVS Health. Known for solid financial strength and a range of life insurance products.
AIG
One of the world's largest insurance companies. Offers competitive rates on larger policies and strong underwriting flexibility. Read our full AIG life insurance review for rates and details.
Aflac
Best known for supplemental insurance, but also offers a competitive simplified-issue final expense whole life policy. AM Best A+ (Superior) rated.
Americo
Privately held carrier with a strong presence in the final expense market. Known for competitive simplified issue products.
F&G (Fidelity & Guaranty)
Specializes in annuities and IUL products. Top-rated for accumulation-focused indexed products with strong cap rates.
Foresters Financial
Fraternal benefits organization offering life insurance with member benefits. Unique community-focused approach.
Gerber Life
Well-known for guaranteed acceptance life insurance. Our Gerber life insurance for seniors review breaks down rates, coverage limits, and who qualifies.
Lafayette Life
Strong whole life and term products. Known for competitive dividend-paying whole life policies.
Mutual of Omaha
One of the most recognized names in final expense insurance. Excellent simplified issue underwriting and broad health acceptance.
National Life Group
Leading IUL carrier with strong cap rates and flexible premium structures. Also competitive in annuities.
Open Care
Open Care is a marketing brand operated by TZ Insurance Solutions (Tranzact) that connects seniors with final expense policies from third-party carriers. Not a carrier itself. Is it legit?
Royal Neighbors
Fraternal benefits society with a focus on women and families. Offers simplified issue final expense products.
Guarantee Trust Life (GTL)
Graded-benefit Heritage plan for seniors who have been declined elsewhere. No medical exam, wide age range (40-90), guaranteed-acceptance-style underwriting.
Globe Life
Direct-to-consumer carrier known for TV and mail advertising. Wondering is Globe Life legit? Read our independent review for real rates, pros, cons, and how it compares to simplified-issue alternatives.
Transamerica
One of the most versatile carriers in the market. Competitive across final expense, term, mortgage protection, and IUL. Strong underwriting and fast approvals.
CICA Life
Smaller carrier with exceptionally lenient simplified-issue underwriting. Accepts treated major conditions (COPD, heart disease, diabetes) at Standard Issue where stricter carriers decline.
Baltimore Life
Established carrier (since 1882) with iProvide simplified-issue whole life. Two immediate-benefit tiers with no waiting period, 100% automated underwriting, and lenient diabetes criteria.
Trinity Life
Smaller carrier with Golden Eagle simplified-issue final expense. Competitive rates, immediate-benefit tier for qualifying applicants, and no medical exam. Ages 50-85.
Family Benefit Life
Smaller carrier with Golden Eagle simplified-issue final expense (same product as Trinity Life, different states). Competitive rates, immediate-benefit tier, no medical exam. Ages 50-85, 18 states.
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Carrier Review FAQ
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