Each of our life carriers has been selected for a specific purpose. The reasons vary from top financial strength, product innovation, and underwriting expertise to compensation and effective business processes.
Linked Benefits / Hybrid
As Linked Benefit Life/LTC products gain momentum it is critical that the product represent not only an excellent economic value, but also excellent processes at both the initial underwriting and time of claim. The carriers below represent the best in class of this narrow but evolving product type.
Long Term Care
Financial ratings, commitment to the market, and competitive products and rates are the major criteria used to select and maintain the portfolio of Long Term Care carriers listed below.
Financial ratings, innovative product offerings, competitive product features, and a long term view on the market are the major criteria used to select our portfolio of annuity carriers.
Commitment to the market, benefit definitions, and financial strength are the primary criteria used to select our portfolio of disability carriers.