Carrier Reviews
Carriers we compare
22 carriers in our active panel. Each is rated using the same four-factor methodology.

Mutual of Omaha
4.8 / 5Level Death Benefit · Ages 45–85
- • A+ rated by A.M. Best
- • Day-one full coverage
- • Up to $40K

Aetna
4.7 / 5Level Death Benefit · Ages 45–89
- • No medical exam
- • Coverage decision in minutes

Transamerica
4.7 / 5Level Death Benefit · Ages 45–85
- • Up to $50K coverage
- • Same-day approval common

Foresters Financial
4.6 / 5Level Death Benefit · Ages 45–85
- • Fraternal benefits
- • No-waiting-period option

Royal Neighbors of America
4.5 / 5Level Death Benefit · Ages 45–85
- • Member benefits
- • 100+ years in market

Globe Life
4.4 / 5Level Death Benefit · Ages 45–80
- • Direct-to-consumer available
- • Builds cash value

American Home Life
4.4 / 5Level Death Benefit · Ages 45–85
- • Specializes in senior whole-life
- • Reliable claims process

Liberty Bankers
4.3 / 5Graded Death Benefit · Ages 45–80
- • Available for moderate health conditions
- • Graded benefit

Gerber Life
4.2 / 5Graded Death Benefit · Ages 45–80
- • Trusted family brand
- • Graded benefit

Aflac
4.2 / 5Graded Death Benefit · Ages 45–80
- • Recognized brand
- • Easy claims

AIG
4.1 / 5Guaranteed Issue · Ages 45–85
- • No health questions
- • Cannot be denied

Lincoln Heritage
4.0 / 5Guaranteed Issue · Ages 45–85
- • Funeral Advantage program
- • Guaranteed acceptance

Colonial Penn
3.9 / 5Guaranteed Issue · Ages 50–85
- • Famous AARP-branded plan
- • Direct-to-consumer available
- • Guaranteed acceptance ages 50–85

Americo
Review pendingLevel Death Benefit · Ages 45–85

SBLI
Review pendingLevel Death Benefit · Ages 45–85

Baltimore Life
Review pendingLevel Death Benefit · Ages 45–85

American Amicable
Review pendingLevel Death Benefit · Ages 45–85

CICA Life
Review pendingGraded Death Benefit · Ages 45–85

Old American Insurance
Review pendingLevel Death Benefit · Ages 45–85

Senior Life
Review pendingLevel Death Benefit · Ages 45–85

Security National Life
Review pendingLevel Death Benefit · Ages 45–85

United Home Life
Review pendingLevel Death Benefit · Ages 45–85
