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Our Carrier Partners

Top-Rated Carriers.
Trusted Coverage.

We work with financially strong, A-rated carriers so your family and assets are protected by companies built to pay claims.

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Life Insurance & Annuities
Carriers We Trust With Your Retirement

Every carrier below is rated A or better by AM Best — the gold standard for insurance financial strength.

North American Company for Life and Health
A+ AM Best
FIA Life Insurance Annuities

One of the top Fixed Indexed Annuity carriers in the nation. Strong income riders, competitive index caps, and a 100+ year track record of paying claims.

Transamerica
A AM Best
IUL Term Life FIA

One of the largest life insurance groups in the US. Exceptional IUL products with strong cash value accumulation and flexible death benefit options.

Athene Annuity and Life
A AM Best
FIA MYGA Annuities

Specializes in retirement savings products. Known for competitive premium bonuses, strong index strategies, and reliable income guarantee riders.

American Equity Investment Life
A- AM Best
FIA Annuities Income Riders

A specialist in Fixed Indexed Annuities with some of the strongest income rider guarantees available — ideal for clients who want predictable monthly retirement income.

National Western Life
A+ AM Best
IUL Whole Life Annuities

Exceptional financial strength with conservative, long-term investment strategies. Great choice for permanent life insurance with strong cash value growth.

Mutual of Omaha
A+ AM Best
Final Expense Term Life Medicare Supp

Over 115 years in business. Industry leader in final expense life insurance — simplified underwriting, no medical exam options, and guaranteed acceptance products.

Global Atlantic
A AM Best
FIA IUL Annuities

Backed by KKR. Consistently competitive FIA caps and spreads, with strong accumulation and income options for 401k rollover clients.

Protective Life
A+ AM Best
Term Life GUL Annuities

Known for highly competitive term life rates and guaranteed universal life (GUL) products. Excellent for clients looking for straightforward, affordable death benefit coverage.

Specialists for California's Hard Market

California homeowners face non-renewals, wildfire exclusions, and FAIR Plan pricing. We access E&S carriers that others can't — including wildfire-exposed and hard-to-place properties.

Bamboo Insurance
E&S Specialist
HO3 Wildfire Up to $2.5M

Technology-driven CA specialist writing wildfire-exposed and hard-to-place homes up to $2.5M. Data-driven underwriting with HazardHub scoring. Strong capacity where standard carriers won't go.

Advantage Now
Demotech A
HO3 HO6 DP1/DP3

Demotech A-rated (Exceptional). Writes HO3, HO6, and landlord dwelling fire across California. Coverage A up to $2M. Competitive discounts and multiple payment plan options.

Lightspeed Specialty
E&S Specialist
Wildfire Hard-to-Place CA Specialist

E&S wildfire specialist bringing capacity to CA homes that standard admitted carriers won't touch. ISO FireLine 0–2 auto-eligible. Scores 3–30 submitted for underwriter approval.

Slide Insurance
E&S — New to CA
HO Landlord Surplus Lines

NASDAQ-listed (SLDE) technology-enabled carrier that entered the California market in May 2026. Writing homeowners and landlord policies through surplus lines brokers.

Why Carrier Selection Matters
Not All Insurance Companies Are Equal

The carrier behind your policy determines whether claims get paid, premiums stay stable, and coverage lasts when you need it most.

Financial Strength Ratings

Every life and annuity carrier we recommend holds an A- or better AM Best rating — the industry standard for long-term solvency.

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Principal Protection

Our annuity and IUL products have a 0% floor — your money cannot lose value due to market downturns. Contractual guarantee, not a promise.

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CA State Protection

California's Life & Health Insurance Guarantee Association (CLHIGA) provides an additional safety net on top of each carrier's own financial strength.

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Product-Fit First

We don't push one carrier. We match your age, balance, timeline, and goals to the product and carrier combination that serves you best.

Ready to See Your Numbers?

Free 30-minute consultation. We'll show you exactly what your money can do — protected, growing, and guaranteed.

Book a Free Consultation Call (714) 829-9108