Carriers & Products
These are the carriers Life Insured By Chris works with most. Each one is selected for financial strength, underwriting flexibility, and the ability to serve clients other agents turn away. Not sure which company is the right fit for your situation? That's exactly what the free 15-minute coverage review is for. We will match you with the carrier that gives you the best coverage at the best rate for your specific health profile and goal.
Americo Life Insurance
Americo is a financially stable, A-rated carrier known for flexible underwriting that works in favor of clients other companies decline. If you have a health condition or have been quoted high rates elsewhere, Americo is often one of the first carriers Life Insured By Chris looks at. Strong term and whole life options with competitive pricing across a wide range of health profiles.
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Transamerica Life Insurance
Transamerica is one of the most recognized names in life insurance and for good reason. They offer a broad range of products covering term life, permanent coverage, retirement income accumulation, and final expense protection. Their underwriting is competitive for both healthy applicants and those with common health conditions, making them a reliable option for a wide range of clients.
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Ethos Life Insurance
Ethos is built for people who want coverage fast and without the hassle of a medical exam. Their fully digital application takes minutes, underwriting decisions are instant, and there are no doctor visits or blood draws required. If you need coverage quickly or simply want a straightforward online process, Ethos is one of the fastest paths to getting protected.
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Mutual of Omaha Life Insurance
Mutual of Omaha has been protecting American families for over 100 years and consistently earns some of the highest financial strength ratings in the industry. They're particularly well known for their final expense and whole life products, with simplified underwriting that makes approval accessible for seniors and individuals with health challenges. When clients want a name they can trust, Mutual of Omaha is one of the first Life Insured By Chris recommends.
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American Amicable Life Insurance
American Amicable specializes in whole life and final expense coverage built around simplicity and affordability. Their Family Legacy and Dignity Solution plans offer guaranteed benefits with straightforward approval no complex underwriting, no surprises. A strong fit for clients who want permanent coverage with predictable premiums and a guaranteed payout for their family.
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American Home Life Insurance
American Home Life offers permanent whole life protection through their Guide Star and Patriot plans both designed with seniors and individuals who want simple, stable coverage in mind. Fixed premiums, guaranteed cash value growth, and senior-friendly underwriting make this a practical option for clients looking for lifelong protection without medical hoops to jump through.
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Simply Better Life Insurance (SBLI)
SBLI has been protecting families since 1907 and carries strong financial strength ratings earned over more than a century of operation. They offer competitive term life and whole life products with straightforward underwriting and reliable payouts. For clients who want proven, no-frills coverage from a company with a long track record of keeping its promises, SBLI consistently delivers.
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Corebridge Life Insurance
Formerly part of AIG, Corebridge Financial brings institutional-grade financial strength to simplified and guaranteed-issue life insurance. Their products are specifically designed to make permanent coverage accessible without a medical exam a strong option for clients who have been declined elsewhere or who need fast approval regardless of health history.
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Foresters Financial
Foresters stands apart from most carriers because policyholders become members of a non-profit organization with over 150 years of history. Their Bright Future and Plan Right whole life policies include living benefits meaning you can access a portion of your death benefit while still living if faced with a serious illness along with member perks like scholarships and community programs. Strong value for clients who want more than just a policy.
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Liberty Bankers Life Insurance
Liberty Bankers Life specializes in affordable whole life and final expense coverage with simplified underwriting designed to approve more applicants. Their straightforward plans are a solid fit for clients who want permanent protection without a lengthy application process, particularly those between ages 50 and 80 looking to secure coverage quickly and affordably.
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Royal Neighbors of America
Royal Neighbors offers a unique single-premium whole life option meaning you make one lump-sum payment and your coverage is fully paid up for life, with immediate cash value from day one. This is a strong fit for clients who want to use existing savings to create a guaranteed, tax-efficient legacy for their family without ongoing monthly premiums.
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United Home Life (UHL) Insurance
United Home Life keeps things simple affordable final expense and whole life plans with simplified underwriting and fast approvals. UHL is particularly well suited for clients who want permanent coverage without a medical exam, straightforward policy terms, and a reliable death benefit their family can count on.
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Not Sure Which Carrier Is Right for You?
Every carrier on this list has different strengths and the right one for you depends on your age, health, budget, and coverage goals. Christopher compares all of them on your behalf and only brings you the options that actually make sense for your situation. Book a free 15-minute call to find out which carrier gives you the best coverage at the best rate.
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