Found Life featured insurance providers
Rating agency
We use the rating agency AM Best, which is the most widely used rating system for insurance company financial strength and claims practices. It’s a great way to know if the insurance companies you choose is financially sound and pays claims in a timely manner.
Carrier selection criteria
We curate our list of carriers based on their track record, financial stability, customer service, reviews, pricing and any other aspects that may affect policyholders. Our seasoned insurance professionals select the best carriers possible to ensure you receive a sound policy with more than just an attractive price tag. We want you to tell your friends and family about us, and we want to be your trusted life insurance agency for life.
Our role
Found Life is a nationally licensed, independent life insurance agency. We partner with carriers that align with our stringent criteria in terms of features, financial ratings, and affordability to enhance your financial future and mitigate financial risk.
How Found Life works with carriers
As a certified distributor and third-party administrator, Found Life cooperates with elite carriers like Legal & General America, Nationwide, Prudential, Transamerica, and Mutual of Omaha. We don’t work for them. We work with them to provide you with a flexible quote and application process to suit a wide variety of needs. And we do it fast, with as little effort from you as possible.
Some of our featured carriers*
Our Carriers
| CARRIER | AM BEST RATINGS* | HIGHLIGHTS |
|---|---|---|
| Accordia | A | A Global Atlantic company formed by Goldman Sachs in 2004. Competitive term life pricing. Offers term and universal life. |
| AIG American General | A | One of the largest insurance companies in America. Competitive rates. |
| ANICO American National | A | Founded in 1905. Offers life and annuities at competitive rates. |
| Ameritas | A | Founded in 1887. The first life insurance company in Lincoln, Nebraska. Mutual company owned by 5.7 million policyholders. |
| Assurity | A- | Life, annuity, critical illness, and disability products. Flexible pricing options. |
| AXA | A+ | Wide range of policies to fit individual needs. Competitive pricing . |
| Bankers Life | A | Good customer service reviews online , simplified application process. Term and permanent options . |
| Banner | A+ | 50 states, non - med ical options. Up to 40 - year terms with some of the most competitive pricing for a variety of people. |
| BrightHouse (MetLife) | A | Offers fast underwriting and competitive rates on non - medical exam coverage. |
| Centrian | A+ | Offers term, whole life, and children's life insurance. |
| Cincinnati Life | A+ | Full life insurance product line including term, whole life, and universal life. Competitive pricing. |
| Columbus Life | A+ | In business for 115 years. Strong suite of term and permanent products. |
| Companion of NY | A+ | Formed in 1971. Known for rapid response to customer inquiries. Flexible products and competitive term rates. |
| First Symetra of NY | A | Competitive term rates and great customer service reviews online. |
| Foresters | A | P roduct offering s for a variety of situations. Low complaint index |
| Gerber | A+ | Known for life insurance products geared towards children. A wide variety of whole life and competitive term products. |
| John Hancock | A+ | Low complaint index, offers both term and permanent policies. |
| Lincoln National | A | Offers a wide range of products from term life to annuities . G ood customer service reviews online. |
| Minnesota Life | A+ | Minnesota Life A+ Formed in 1880. Known for rapid claims payout and good customer service reviews online. |
| Nationwide | A+ | No - medical - exam life insurance with up to $5 million in coverage, free living benefits riders . A llows credit card payment for premiums. |
| North American | A+ | Known for term and universal life. A variety of permanent life products. Competitive term rates. |
| Pacific Life | A+ | Offers a non - medical - exam option. Competitive rates among all age groups. Allows for some health conditions. |
| Principal | A+ | Ranked 3rd in the country for customer satisfaction . (J.D. Power 2022 Life Insurance Study) |
| Protective | A+ | Offer both life and annuity options. Competitive pricing |
| Prudential | A+ | 150 - year - old company with over 4 million policyholders. Competitive rates for seniors and those with medical conditions. More flexible requirements than some other carriers, allowing for a variety of immigration statuses like visas and green cards. |
| Royal Neighbors of America | A- | Offers term and final expense products at competitive prices. |
| Sagicor | A- | Full - service life insurance company in 45 states. Offers term, permanent and annuity products. |
| SBLI | A | Founded in 1907 with a 4 - star rating on TrustPilot. Owned by policyholders. Not a publicly traded company. A variety of products at competitive prices. |
| Security Mutual | A | Around since 1887. Good customer service reviews online, and competitive pricing. |
| Symetra | A | Competitive term rates and great customer service reviews online. |
| TIAA | A++ | One of only three insurance companies in the United States rated A++ . H ighly stable, competitive rates. |
| Transamerica | A | Founded in 1928 with over 12 million policyholders. Non - med ical option and competitive term rates across all age groups. |
| United Home Life | A | Personalized customer service, . Competitive pricing. |
| United of Omaha | A+ | Part of the Mutual of Omaha family. Competitive rates and customer reviews online. |
| William Penn | A+ | Part of the Legal & General insurance family, with good customer satisfaction reviews online . Competitive rates. |
| Zurich | A+ | One of the world's largest insurance companies, present in over 215 countries. Known for flexible riders and living benefits. C ompetitive rates. |
| *AM Best Rating Chart | ||
| A+ | Superior | A superior ability to meet their ongoing insurance obligations |
| A | Excellent | An excellent ability to meet their ongoing insurance obligations |
| B+ | Good | A good ability to meet their ongoing insurance obligations |
| B | Fair | A fair ability to meet their ongoing insurance obligations |
| C+ | Marginal | A marginal ability to meet their ongoing insurance obligations |
| C | Weak | A weak ability to meet their ongoing insurance obligations |
| D | Poor | A poor ability to meet their ongoing insurance obligations |
For more information about carrier ratings, click here.