Life Carrier Information

We offer many dynamic companies which are listed here. For a complete listing of carrier you can contract with please view our Contracting Forms section. Most companies have conventions and contests for producers and writing agents. Most of them can be viewed below.

Symetra~  Level Term Life Insurance offers extremely competitively priced level protection for clients in terms of 15, 20 and 30 years. Policies are available with no-cost and optional benefits that can allow clients to supplement their basic coverage. Symetra has solid backing and is associated with Warren Buffet. Good term rates offered as well as non-med mortgage product and they are issuing cases quickly. Term life insurance with level premiums that are guaranteed to stay level during the entire term period. After the original level term period expires, the policy will automatically renew until age 95 at increased premiums, unless cancelled by the insured. Policyholders can convert their term policy to any Symetra permanent insurance plan available for conversion in their state through age 75 or prior to the end of the initial term period, whichever happens first. Ideal company for those of you looking to replace OMFN type products.

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Foresters is a fraternal benefit society with over a 100 year history of caring for their members. The “A” rated company offers very competitive term products with return of premium as well as the "BIG UL" which provides 2 times the face amount for up to 15 years. They also offer accident and illness options as well as extended family protection. We feel the combination of Foresters financial strength, history of charitable giving, and numerous other benefits makes them an outstanding addition and is one of the newest carriers brought on here at CIA. This carriers requires E&O insurance.

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American General is strong in the life market and is still known as one of the top insurance carriers out there even though the AIG name has become tabu. American General has done extensive re-branding to show they are truly different and strong in this everchanging marketplace. We are getting policies issued quickly and they continue to offer excellent cheap term rates for HEALTHY clients. They also have strong annuity products.  We scan directly to the home office and are able to get your policies issued quickly as long as the app. is clean.

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United Home Life Insurance Company is a rapidly growing company owned by the largest farm bureau in the United States specializing in impaired risk cases with a virtually guaranteed issue product. United Home Life is a good addition for all agents. Great for those hard to place cases! These products pay a bit less.

Stonebridge, Symetra, Fidelity, and Foresters have some of the best mortgage products on the market. They have high non-medical limits and are issuing policies in 5 to 7 days and also include Return of Premium and Disability Income Riders.

Assurity Life and Mutual of Omaha do offer stand alone DI policies. Check our contracting section for paperwork and to get appointed.

United Home Life is our chosen "high risk" carrier. They also have good rates for Whole Life policies on the older clients and they do offer advance commissions.