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
Every carrier we work with is financially stable, highly rated, and trusted by millions of policyholders. Here are some of our key partners:
Mutual of Omaha
A leader in final expense and supplemental coverage since 1909
Transamerica
Broad product portfolio spanning term, whole life, and IUL
Aetna
Nationally recognized for final expense and senior health products
AIG
One of the world's largest insurers with competitive term and UL rates
Aflac
Known for supplemental and final expense coverage with strong brand trust
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
Gerber Life
Trusted name in guaranteed issue and children's life insurance
Foresters Financial
Member-owned organization offering whole life and final expense
Royal Neighbors
Fraternal benefit society specializing in whole life for women and families
Americo
Competitive final expense and mortgage protection products
And More
We continuously add partners to expand your options and get you the best rate
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.