NGA / IMO Hybrid & Distribution Partner
Carrier List: 13 Life Insurance Carriers, With Ethos, Americo and More on the Way
BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner that will beat your current commission levels and scale your current practice. This page is dedicated to our carriers: who each carrier is, where it is based, which product lines it offers and its max commission level through BetterLifeQuotes.com.
Jump to: Carrier table · Carrier profiles · Coming soon · Carrier FAQ
| Carrier | Headquarters | Product lines | Max commission |
|---|---|---|---|
| Aetna | Hartford, CT (Aetna) | Final expense whole life | Up to 157% |
| Transamerica | Cedar Rapids, IA | Final expense whole life, Term life, IUL | Up to 150% |
| AIG / Corebridge | Houston, TX | Simplified issue whole life, Guaranteed issue whole life, Term life, IUL | Up to 142.5% |
| American Amicable | Waco, TX | Final expense whole life, Term life, Universal life, Whole life | Up to 135% |
| American Home Life | Topeka, KS | Final expense whole life | Up to 135% |
| Foresters | Toronto, Ontario, Canada | Final expense whole life, Term life, Universal life, Whole life | Up to 135% |
| Royal Neighbors | Rock Island, IL | Final expense whole life, Term life, Whole life | Up to 132.5% |
| Aflac | Columbus, GA (Aflac) | Final expense whole life | Up to 132% |
| CICA | Austin, TX | Final expense whole life | Up to 130% |
| Liberty Bankers | Dallas, TX | Final expense whole life, Whole life | Up to 130% |
| Mutual of Omaha | Omaha, NE | Final expense whole life, Term life, IUL, Universal life, Whole life | Up to 125% |
| GTL | Glenview, IL | Final expense whole life, Whole life | Up to 95% |
| Gerber | White Plains, NY | Guaranteed issue whole life, Whole life | Up to 75% |
| Ethos | Term life, whole life and IUL through partner insurers | Coming soon | |
| Americo | Final expense, term, universal life and IUL | Coming soon | |
| Ethos, Americo and many more are on the way. | |||
Max commission is the highest commission level available with each carrier through BetterLifeQuotes.com; levels vary by product and plan. Product lines are the lines each carrier offers through independent agents, and the products on your contract are confirmed when you contract.
Carrier profiles
Aetna Max commission up to 157%
Aetna's final expense whole life policies are issued by two CVS Health subsidiaries, Accendo Insurance Company and Continental Life Insurance Company of Brentwood, Tennessee, and are administered by Aetna Life Insurance Company.
- Issued by: Accendo Insurance Company and Continental Life Insurance Company of Brentwood, Tennessee
- Parent: Aetna Inc., a CVS Health company
- Headquarters: Hartford, CT (Aetna)
Product lines
- Final expense whole life: Accendo Final Expense (level and modified plans); Protection Series (Continental Life)
Transamerica Max commission up to 150%
Transamerica is the main US business of Aegon and issues final expense whole life, term and indexed universal life through Transamerica Life Insurance Company of Cedar Rapids, Iowa.
- Issued by: Transamerica Life Insurance Company (Transamerica Financial Life Insurance Company in New York)
- Parent: Aegon
- Headquarters: Cedar Rapids, IA
- Founded: 1961
Product lines
- Final expense whole life: Final Expense Solutions, including Immediate Solution, 10-Pay Solution and Easy Solution
- Term life: Trendsetter Super; Trendsetter LB
- IUL: FFIUL II Express
AIG / Corebridge Max commission up to 142.5%
Corebridge Financial, formerly AIG's life and retirement business, issues life insurance through American General Life Insurance Company of Houston, including simplified and guaranteed issue whole life, term and indexed universal life.
- Issued by: American General Life Insurance Company (The United States Life Insurance Company in the City of New York in New York)
- Parent: Corebridge Financial, Inc., formerly AIG's life and retirement business
- Headquarters: Houston, TX
Product lines
- Simplified issue whole life: SimpliNow Legacy
- Guaranteed issue whole life: Guaranteed Issue Whole Life
- Term life: Select-a-Term
- IUL: Max Accumulator+; Value+ Protector
American Amicable Max commission up to 135%
American Amicable is a Waco, Texas-based group of life insurers owned by iA Financial Group that sells final expense, term, whole life and universal life through independent agents.
- Issued by: The American-Amicable Group of companies, including American-Amicable Life Insurance Company of Texas
- Parent: iA Financial Group
- Headquarters: Waco, TX
- Founded: 1910
Product lines
- Final expense whole life: Senior Choice (immediate, graded and return of premium plans)
- Term life: Easy Term; Home Protector
- Universal life: Easy UL; SecureLife Plus
- Whole life: Golden Solution; Family Solution
American Home Life Max commission up to 135%
The American Home Life Insurance Company is a Topeka, Kansas mutual life insurer, organized in 1909, whose lines include final expense, pre-need and traditional life insurance.
- Issued by: The American Home Life Insurance Company
- Parent: None: a mutual life insurer owned by its policyholders
- Headquarters: Topeka, KS
- Founded: 1909
Product lines
- Final expense whole life: Patriot Series
Foresters Max commission up to 135%
Foresters Financial is the trade name of The Independent Order of Foresters, a fraternal benefit society founded in 1874 that sells PlanRight final expense, term, whole life and universal life in the US.
- Issued by: The Independent Order of Foresters
- Parent: None: a fraternal benefit society (Foresters Financial is its trade name)
- Headquarters: Toronto, Ontario, Canada
- Founded: 1874
Product lines
- Final expense whole life: PlanRight (simplified issue: Preferred, Standard and Basic)
- Term life: Your Term; Strong Foundation
- Universal life: SMART UL
- Whole life: Advantage Plus II; Foresters Live Well Plus; BrightFuture children's whole life
Royal Neighbors Max commission up to 132.5%
Royal Neighbors of America is a nonprofit fraternal life insurer in Rock Island, Illinois, founded by nine women in 1895, whose products include Ensured Legacy final expense whole life.
- Issued by: Royal Neighbors of America
- Parent: None: a nonprofit fraternal life insurer owned by its members
- Headquarters: Rock Island, IL
- Founded: 1895
Product lines
- Final expense whole life: Ensured Legacy (simplified issue, graded and guaranteed issue)
- Term life: Jet Term Life
- Whole life: Jet Whole Life; Jet Youth Whole Life; Jet Single Premium Whole Life
Aflac Max commission up to 132%
Aflac's final expense whole life insurance is underwritten by Tier One Insurance Company, an Aflac subsidiary, and administered by Aetna Life Insurance Company.
- Issued by: Tier One Insurance Company, an Aflac subsidiary; administered by Aetna Life Insurance Company
- Parent: Aflac Incorporated
- Headquarters: Columbus, GA (Aflac)
- Founded: 1955
Product lines
- Final expense whole life: Aflac Final Expense (level and modified plans)
CICA Max commission up to 130%
CICA Life Insurance Company of America is the domestic life insurer of Austin, Texas-based Citizens, Inc. and sells mainly simplified issue final expense whole life through independent agents.
- Issued by: CICA Life Insurance Company of America
- Parent: Citizens, Inc.
- Headquarters: Austin, TX
Product lines
- Final expense whole life: Superior Choice (mostly simplified issue)
Liberty Bankers Max commission up to 130%
Liberty Bankers Life Insurance Company is the lead insurer of Dallas-based Liberty Bankers Insurance Group and offers final expense and other whole life products.
- Issued by: Liberty Bankers Life Insurance Company
- Parent: Liberty Bankers Insurance Group
- Headquarters: Dallas, TX
- Founded: 1958
Product lines
- Final expense whole life: Final Expense; SIMPL; Modified Whole Life
- Whole life: Flex4Life; Liberty Legacy Single Premium Whole Life
Mutual of Omaha Max commission up to 125%
Mutual of Omaha is an Omaha, Nebraska-based mutual insurer founded in 1909 whose subsidiary United of Omaha Life Insurance Company issues Living Promise final expense, term, indexed universal life and universal life.
- Issued by: United of Omaha Life Insurance Company (Companion Life Insurance Company in New York)
- Parent: Mutual of Omaha Insurance Company, a mutual insurer
- Headquarters: Omaha, NE
- Founded: 1909
Product lines
- Final expense whole life: Living Promise (level and graded)
- Term life: Term Life Answers; Term Life Express
- IUL: Income Advantage IUL; Life Protection Advantage IUL; IUL Express
- Universal life: AccumUL Answers
- Whole life: Children's Whole Life
GTL Max commission up to 95%
Guarantee Trust Life Insurance Company is a mutual insurer in Glenview, Illinois, founded in 1936, that sells supplemental health products and graded benefit whole life such as the Heritage Plan.
- Issued by: Guarantee Trust Life Insurance Company
- Parent: None: a mutual legal reserve company
- Headquarters: Glenview, IL
- Founded: 1936
Product lines
- Final expense whole life: Heritage Plan (graded benefit)
- Whole life: Life Select Graded Whole Life
Gerber Max commission up to 75%
Gerber Life Insurance Company, founded in 1967 and owned by Western & Southern Financial Group since 2018, sells guaranteed issue and other whole life insurance and children's coverage.
- Issued by: Gerber Life Insurance Company
- Parent: Western & Southern Financial Group
- Headquarters: White Plains, NY
- Founded: 1967
Product lines
- Guaranteed issue whole life: Guaranteed Life Plan (no health questions)
- Whole life: Whole Life; Grow-Up Plan children's whole life
Coming soon: Ethos, Americo and many more
Ethos Coming soon
Ethos is an online life insurance platform that distributes and administers term, whole life and indexed universal life policies issued by insurers such as Banner Life, TruStage and North American. Ethos is not an insurer itself.
Product lines: Term life, whole life (including final expense and guaranteed acceptance plans) and IUL, issued by partner insurers.
Americo Coming soon
Americo Financial Life and Annuity Insurance Company is the main insurer of Americo Life, Inc. of Kansas City, Missouri, and sells final expense, term, universal life and indexed universal life through independent agents.
Product lines: Final expense (Eagle Select), term, universal life and IUL.
Carrier FAQ
Which carriers does BetterLifeQuotes.com contract with?
BetterLifeQuotes.com contracts with 13 carriers: Aetna, Transamerica, AIG / Corebridge, American Amicable, American Home Life, Foresters, Royal Neighbors, Aflac, CICA, Liberty Bankers, Mutual of Omaha, GTL and Gerber. Ethos, Americo and many more carriers are on the way.
Which carrier has the highest max commission?
Aetna, with a max commission level of up to 157%, followed by Transamerica at up to 150% and AIG / Corebridge at up to 142.5%. Our job is to beat your current commission level.
Which of your carriers offer term life insurance?
Transamerica, AIG / Corebridge, American Amicable, Foresters, Royal Neighbors and Mutual of Omaha offer term life insurance.
Which of your carriers offer indexed universal life (IUL)?
Transamerica, AIG / Corebridge and Mutual of Omaha offer indexed universal life (IUL).
Which of your carriers offer universal life (UL)?
American Amicable, Foresters and Mutual of Omaha offer universal life (UL).
Which of your carriers offer guaranteed issue whole life?
AIG / Corebridge, Royal Neighbors and Gerber offer guaranteed issue whole life.
Which carriers are coming next?
Ethos, Americo and many more are on the way.
What does max commission mean on this list?
It is the highest commission level available with that carrier through BetterLifeQuotes.com. Levels vary by product and plan, and our job is to beat your current commission level.