Independent Broker Matrix
Compare Insurance Options & Top Carriers
We work with 40+ A-rated insurance companies to match your exact health profile and budget. See how plan types and carriers compare side-by-side.
1. Compare Policy Types
Select a coverage type to view core features and differences
Term Life Insurance
Best for young families, homeowners with a mortgage, and anyone seeking maximum death benefit protection at the lowest possible monthly cost.
Coverage amounts from $100,000 to $5,000,000+
Fixed terms: 10, 15, 20, 25, or 30 years
Lowest initial monthly premium
Convertible to permanent coverage later
2. Top A-Rated Carriers Comparison
Here is a snapshot of several top carriers Legacy Life Solutions works with
| Carrier Name | AM Best Rating | No Exam Available? | Approval Speed | Best For |
|---|---|---|---|---|
| Mutual of Omaha | A+ (Superior) | Yes (Up to $50,000 Final Expense / $300k Term) | Same day to 48 hrs | Seniors, Final Expense & Living Benefits |
| American Amicable | A (Excellent) | Yes (Simplified Underwriting) | Instant decision via phone/online | Diabetes & Pre-existing conditions |
| Transamerica | A+ (Superior) | Yes (Term & Index Universal) | 1 to 5 business days | Flexible term lengths & high coverage limits |
| Foresters Financial | A (Excellent) | Yes (No medical exam options) | 24 to 72 hours | Family member benefits & non-profit grants |
| Americo | A (Excellent) | Yes (Instant Decision) | Instant / Same day | Mortgage protection & final expense |
| SBLI (Savings Bank Life) | A (Excellent) | Yes (Accelerated Underwriting) | 24 to 48 hours | Low-cost high-coverage Term policies |
| Ethos | A (Excellent) | Yes (No medical exam term up to $2M) | Instant to same day | Fast online term life & no-exam approvals |
| CICA (Citizens) | A (Excellent) | Yes (Simplified Issue) | Same day to 48 hrs | Final expense & senior coverage |
| AAA Life | A (Excellent) | Yes (Simplified Issue) | Same day to 48 hrs | Final expense & member benefits |
| Fidelity Life | A- (Excellent) | Yes (Accelerated Underwriting) | Instant to 48 hrs | No-exam term & simplified issue whole life |
| Royal Neighbors of America | A (Excellent) | Yes (Simplified Issue) | Same day to 72 hrs | Final expense & women-focused fraternal benefits |
| Gerber Life | A (Excellent) | Yes (Guaranteed Issue — no health questions) | Instant / Same day | Guaranteed issue whole life & final expense |
| Ameritas | A (Excellent) | Yes (Accelerated Underwriting) | Instant to 48 hrs | Term & whole life, disability income & supplemental benefits |
| Assurity | A- (Excellent) | Yes (Simplified Issue) | Same day to 48 hrs | Simplified whole life, disability income & supplemental benefits |
| Aflac | A+ (Superior) | Yes (Simplified Issue) | Same day to 48 hrs | Supplemental coverage, disability income & final expense |
| Prudential | A+ (Superior) | Yes (Accelerated Underwriting) | 1 to 5 business days | High-coverage term & universal life |
| Athene | A (Excellent) | N/A (Annuity-focused) | Same day to 48 hrs | Fixed & indexed annuities for retirement income |
| Allianz | A+ (Superior) | N/A (Annuity-focused) | 1 to 5 business days | Indexed annuities & retirement protection |
| American Equity | A- (Excellent) | N/A (Annuity-focused) | Same day to 72 hrs | Indexed annuities & lifetime income riders |