We shop multiple trusted carriers to help find the best coverage for your needs and budget.
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We shop all of these carriers to find you the lowest rate — at no cost to you.
| Company | AM Best Rating | Product Type | Coverage Range | Health Requirements | Best For |
|---|---|---|---|---|---|
| Mutual of Omaha | A+ Superior | Final Expense / Whole Life | $2,000–$25,000 | Simplified Issue | ⭐ Most Popular — Great rates, fast approval |
| Baltimore Life | A- Excellent | Final Expense / Whole Life | $5,000–$50,000 | Simplified Issue | Competitive rates, strong Midwest presence |
| Royal Neighbors | A- Excellent | Final Expense / Whole Life | $5,000–$30,000 | Simplified Issue | Fraternal benefits + member dividends |
| Corebridge Financial | A Excellent | Guaranteed Issue | $5,000–$25,000 | NO health questions | Best for declined applicants or serious health conditions |
| AARP / New York Life | A++ Superior | Term & Whole Life | $10,000–$100,000 | Simplified Issue | Brand recognition, AARP membership required |
| Aflac | A+ Superior | Whole Life / Supplemental | $5,000–$50,000 | Simplified Issue | Supplemental + final expense combo options |
| State Farm | A++ Superior | Term / Whole Life | $10,000–$250,000+ | Fully Underwritten | Strongest financial rating, larger coverage amounts |
| Transamerica | A Excellent | Final Expense / GI | $1,000–$50,000 | Simplified or GI | Wide age range, flexible underwriting |
| Gerber Life | A Excellent | Guaranteed Issue | $5,000–$25,000 | NO health questions | Trusted brand, easy guaranteed approval |
| Foresters Financial | A Excellent | Final Expense / Whole Life | $5,000–$35,000 | Simplified Issue | Member benefits + competitive final expense rates |
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