We Shop 25+ Carriers
So You Don't Have To
As an independent brokerage, we compare policies from over 25 top-rated insurance carriers to find you the best coverage at the best price.
Why It Matters
What Does "Independent" Actually Mean?
Most insurance agents are captive, meaning they work for one company and can only sell that company's products. If that company does not have the best rate for your situation, too bad.
Asurgo is independent. We are not tied to any single carrier. When you call us, we compare rates across 25+ companies to find the policy that truly fits your health, age, and budget. Our only loyalty is to your family.
One Carrier, One Option
- Locked into a single company's products
- Cannot shop for a better rate elsewhere
- Incentivized to sell their employer's products
- If they decline you, you start over
25+ Carriers, Best Rate
- Compares policies from 25+ top carriers
- Finds your lowest rate across all options
- Works for you, not any single company
- If one carrier declines, we find another
Our Carrier Partners
The Companies Behind Your Coverage
Asurgo is an independent life insurance brokerage appointed with 25+ carriers and licensed in all 50 states. We place final expense, burial, mortgage protection, and whole life coverage with carriers including Mutual of Omaha, Aetna, Transamerica, AIG, and Royal Neighbors, comparing them head-to-head so you only buy the policy that fits best.
Carriers We're Appointed With
These are the carriers Asurgo is directly appointed with. We can quote, compare, and place coverage from each one.
Mutual of Omaha
A leader in final expense and supplemental coverage since 1909, with competitive simplified-issue rates. Read our Mutual of Omaha final expense review
Transamerica
Broad product portfolio covering final expense, term, whole life, and IUL. Read our Transamerica life insurance review
Aetna (Accendo)
Nationally recognized for senior final expense products through its Accendo subsidiary. Read our Aetna senior final expense review
AIG
One of the world's largest insurers, offering guaranteed-issue whole life and competitive term rates. Read our AIG life insurance review
Aflac
Strong brand trust in supplemental and final expense whole life coverage. Read our Aflac final expense review
National Life Group
Strong IUL and indexed annuity offerings with competitive caps
F&G
Specializes in indexed annuities and indexed universal life
North American
Top-tier IUL and fixed indexed annuity products
Lafayette Life
Strong whole life policies with dividend-paying options
Guarantee Trust Life (GTL)
Heritage whole life final expense with simplified-issue and guaranteed-acceptance options. Read our Guarantee Trust Life review
Foresters Financial
Member-owned organization offering whole life and final expense
Royal Neighbors
Fraternal benefit society specializing in whole life for women and families, with lenient underwriting. Read our Royal Neighbors life insurance review
Americo
Competitive final expense and mortgage protection products
CICA Life
Exceptionally lenient simplified-issue underwriting for final expense, filling gaps other carriers decline. Read our CICA Life final expense review
Baltimore Life
Established since 1882 with simplified-issue whole life and automated underwriting for fast approvals. Read our Baltimore Life final expense review
Trinity Life
Golden Eagle simplified-issue final expense with competitive rates and immediate-benefit tier for qualifying applicants. Read our Trinity Life burial insurance review
Family Benefit Life
Same Golden Eagle product as Trinity Life, available in 18 different states through the same parent company. Read our Family Benefit Life review
Gerber Life
Offers guaranteed-issue whole life and children's coverage with national brand recognition. Read our Gerber Life insurance review
And More
We continuously add partners to expand your options and get you the best rate
Carriers We Compare Against
These are carriers people frequently ask us to compare against. We do not sell them, but we review them so you can weigh them against the carriers we are appointed with.
Colonial Penn
Known for its $9.95 guaranteed-acceptance plan advertised on television. Read our Colonial Penn review
Globe Life
Direct-to-consumer life insurance sold through mail and online campaigns. Read our Globe Life review
Lincoln Heritage
Specializes in the Funeral Advantage program with a funeral planning concierge service. Read our Lincoln Heritage review or see our review of the Funeral Advantage program
AARP (New York Life)
AARP-branded life insurance underwritten by New York Life, marketed to AARP members. Read our AARP life insurance review
Trustage
Life insurance offered through credit unions, underwritten by CMFG Life Insurance Company. Read our Trustage life insurance review
American Amicable
Texas-based final expense insurer that sells through independent agents at kitchen-table visits. Read our American Amicable review
Senior Life Insurance Company
Georgia-based final expense insurer known for heavy TV advertising and burial insurance plans. Read our Senior Life Insurance Company review
Foresters Financial
Fraternal benefit society offering the PlanRight final expense plan with member perks like scholarships and community grants. Read our Foresters review
Americo
Kansas City-based final expense insurer selling Eagle Premier, Eagle Select, and Ultra Protector plans through independent agents. Read our Americo review
Physicians Mutual
Omaha-based insurer offering guaranteed-issue Modified Whole Life through TV ads and direct marketing. Read our Physicians Mutual life insurance review
Ethos
Online insurtech selling term and whole life through partner carriers like Banner Life, Protective, and Ameritas. Read our Ethos life insurance review
Primerica
Publicly traded MLM insurer selling term life only through independent reps. No published rates or online quotes. Read our Primerica life insurance review
Our Standards
How We Choose Our Carrier Partners
Not every insurance company makes the cut. We only partner with carriers that meet our standards for financial strength, claims service, and product value. Every carrier on our list has been vetted for:
An AM Best rating of A- or higher means the carrier is considered to have a strong ability to meet its ongoing insurance obligations. When your family needs to file a claim, that financial stability is what matters most.
Coverage Options
Products Available by Carrier
Different carriers specialize in different products. Here is a snapshot of which carriers offer each coverage type:
| Carrier | Final Expense | Mortgage Protection | Term Life | Whole Life | IUL | Annuities |
|---|---|---|---|---|---|---|
| Mutual of Omaha | ✓ | ✓ | ✓ | ✓ | – | – |
| Transamerica | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Aetna | ✓ | – | – | – | – | – |
| AIG | – | ✓ | ✓ | ✓ | ✓ | – |
| National Life Group | – | – | ✓ | ✓ | ✓ | ✓ |
| F&G | – | – | – | – | ✓ | ✓ |
| North American | – | – | ✓ | ✓ | ✓ | ✓ |
| Gerber Life | ✓ | – | ✓ | ✓ | – | – |
This is a representative sample. Carrier availability varies by state and product. Contact Asurgo for a complete list of options in your area.
Let us find the best carrier for your situation.
We compare all 25+ partners to get you the lowest rate for your age and health.
Get Started
See Which Carrier Has Your Best Rate
A licensed specialist will compare rates across 25+ carriers to find the best fit for your age, health, and budget.