Carriers
The insurers we shop for you
We place business with more than forty carriers across life, health, property, casualty and Medicare. Which ones depends entirely on your state and your risk profile.
Appointments with a carrier mean we are licensed and contracted to submit business to them. We hold appointments across national mutual insurers, publicly traded life carriers, regional property specialists and the nonstandard auto market. Which carriers can actually quote you is decided by three things: the state you live in, the product you want, and your risk profile.
How we choose who to shop
- Financial strength first. We place life and annuity business only with carriers rated A- or better by A.M. Best. A life policy is a 30-year promise; a $4 monthly saving from a B++ carrier is not worth it.
- Complaint index, not advertising. We watch the NAIC complaint index, which compares a carrier's complaints to its market share. A number above 1.0 means more complaints than its size would predict.
- Underwriting niche fit. A carrier that is generous with well-managed hypertension may be punitive about a private pilot licence. We match your file to the right niche.
- Claims behaviour. We track how carriers actually handle contestable-period claims, roof settlements and prescription denials, and we stop placing business with the ones that behave badly.
- Service reality. How long a policy change takes, whether the portal works, and whether a human answers.
What the ratings actually mean
| A.M. Best rating | Category | What we do with it |
|---|---|---|
| A++ / A+ | Superior | Preferred for permanent life, annuities and long-horizon coverage |
| A / A- | Excellent | Fully placeable across all lines |
| B++ / B+ | Good | Property and nonstandard auto only, disclosed to you |
| B / B- | Fair | Not placed |
| C and below | Weak | Not placed |
Financial strength ratings are opinions about a carrier's ability to pay claims, not endorsements of price or service, and they can change. You can look up any insurer's current rating free at A.M. Best and its complaint history through the NAIC consumer portal.
The safety net behind every policy
If a life insurer becomes insolvent, your state's guaranty association covers benefits up to statutory limits — commonly $300,000 in death benefit and $100,000 in cash surrender value, though several states are higher. Those limits are a floor, not a plan, which is one more reason we start with financially strong carriers. Guaranty association coverage exists by state statute and cannot legally be used to market or sell insurance, so treat any agent who leads with it as a warning sign.
We will not publish a carrier logo wall. Displaying every insurer we are appointed with implies endorsements we do not have, and appointments change quarterly. Ask your advisor which carriers are being shopped on your file and you will get a straight list.
See which carriers want your profile
Answer the questions once and we take it to the ones most likely to win it.