PolicySolutionsWe don't work for one insurance company. We work for you.
PolicySolutions is an independent agency — appointed with multiple carriers rather than tied to a single one. We compare their rates and underwriting side by side, prioritize financial strength, and are paid by the carrier rather than by you. So the recommendation is built around your situation, not one company's lineup.
In short: PolicySolutions is an independent agency — appointed with multiple carriers rather than tied to a single one. We compare their rates and underwriting side by side, prioritize financial strength, and are paid by the carrier rather than by you.
Why comparing carriers matters
The same applicant can be priced very differently from one carrier to the next. Shopping the market is the entire advantage of an independent agency.
Underwriting isn't one-size-fits-all
Each carrier sets its own rules for health conditions, tobacco use, height and weight, and occupation. A situation one company rates up, another may treat as standard — so the "best" carrier depends entirely on who's applying.
No added cost to shop around
Agent commission is paid by the carrier and already built into the premium rather than added to it. You pay the same price through us or direct — comparing options through us costs you nothing extra. See the full independent vs. captive vs. direct comparison.
Independent by design
We're not owned by any insurer and we're not limited to one company's products. We compare rates and requirements across our carriers and recommend what actually fits.
Financial strength comes first
A life insurance policy is a promise that may be claimed decades from now. Before price, we look at whether a carrier is built to keep that promise — which is what the ratings below measure.
Not in perfect health? You still have options
The reason to work with an independent, multi-carrier agency is simplest here: whatever your health or age, there's almost always a path to protect your family. From the healthiest applicant to someone who's been declined before — we look for the carrier and product most likely to approve you.
Great health → top rate classes
Fully underwritten Preferred / Preferred Plus coverage for the lowest premiums and the highest amounts. If you're healthy, we make carriers compete for you.
A health condition → still insurable
Diabetes, high blood pressure, weight, sleep apnea, a past diagnosis in remission — these are routinely covered. Because carriers rate the same condition differently, matching you to the right one can move you a full tier. See health-condition coverage →
Rather skip the exam → simplified issue
Health questions, but no medical exam — faster to approve and forgiving of some conditions. A strong middle path when full underwriting isn't ideal. See no-exam options →
Serious health or older age → guaranteed issue
Final-expense whole life that accepts everyone within its age range — no health questions, no exam. In exchange the death benefit is graded: if death is from natural causes in the first two to three years, the policy returns the premiums paid plus a margin rather than the full face amount. Accidental death is covered in full from day one. No family should be left without a way to cover final costs. See final expense →
That's the independent advantage in one line: we take the hardest cases to the carrier most likely to say yes — so your family has a real path to coverage either way.
What a carrier's rating actually tells you
A financial-strength rating is an independent opinion of an insurer's ability to pay claims on time — the single most important thing behind a policy you may not claim for 30 years. — Insurance Information Institute (III)
Stock, mutual, and fraternal insurers
The way a carrier is owned shapes how it's run — and whether it can pay dividends. None is automatically "better"; they're built for different priorities.
Stock insurers
Owned by shareholders. Profits flow to investors, and these carriers generally don't pay policyholder dividends. Often large, with broad product lineups and competitive term pricing.
Mutual insurers
Owned by their policyholders. Mutual companies are the primary issuers of participating policies, which may return profits to policyholders as dividends (some stock insurers offer participating lines too). — Western & Southern
Fraternal benefit societies
Member-owned, mission-driven organizations (like Polish Falcons of America) that provide life insurance and annuities alongside community and member benefits — structured around members, not shareholders.
About dividends — the honest part
Even on a participating policy, dividends are never guaranteed. The insurer decides each year whether to declare one, based on its investment, claims, and expense experience — no matter how consistently it has paid them before. — New York Life
Carriers we compare
We match you to the carrier whose product and underwriting fit your goal. Our roster spans these categories:
Term life
Guaranteed level term for 10, 20, or 30 years — convertible to permanent coverage later, with riders like waiver of premium, accidental death, and a children's term rider.
Whole life & cash value
Permanent coverage with guaranteed premiums and guaranteed cash value, plus flexible pay options — single-pay, 10- or 20-pay, or pay for life — so you can own it outright faster.
Final expense & senior
Whole life sized for funeral and final costs — no medical exam, level guaranteed premiums, and a graded option for applicants with health conditions.
Annuities & retirement
Fixed and multi-year guaranteed annuities for savers who want principal protection and predictable, tax-deferred growth toward retirement. Tax-deferred is not tax-free — withdrawals are taxed as ordinary income to the extent of gain, surrender charges can apply, and withdrawals before age 59½ can carry a 10% federal penalty on the taxable portion (IRC §72(q)). Not tax advice.
Appointed and placeable today. These are the five carriers we hold appointments with — the ones we can actually place your coverage with right now. A description is not a recommendation; the right carrier depends on your situation.
Americo
A privately held family of insurance companies based in Kansas City, Missouri, with roots going back more than a century — its oldest member company was established in 1909. Its life insurance lineup spans whole life, term, and universal life, with products used for needs like final expenses and mortgage payoff protection.
AM Best financial strength rating: A (Excellent) — as published by Americo (dated January 2026); checked August 11, 2026.
Mutual of Omaha
A mutual insurance company founded in 1909 and headquartered in Omaha, Nebraska — owned by its policyholders rather than by shareholders. Its retail products include term life, indexed universal life, final-expense whole life, and annuities.
AM Best financial strength rating: A+ (Superior) for Mutual of Omaha Insurance Company — as published by the carrier; checked August 11, 2026.
American Amicable
American-Amicable Life Insurance Company of Texas has been protecting families since 1910, with its home office in the Alico Building in downtown Waco, Texas. It offers whole life, term life, and universal life coverage.
AM Best financial strength rating: A (Excellent) — as published by the carrier; checked August 11, 2026.
Polish Falcons of America
A not-for-profit fraternal benefit society headquartered in Pittsburgh, Pennsylvania: the first Falcons group formed in 1887, and Polish Falcons of America was established as a fraternal benefit society in 1928. It provides life insurance and annuities to its more than 20,000 members nationwide.
American Home Life
A mutual insurance company founded in 1909 in Topeka, Kansas — owned by its policyholders, with no shareholders. Its products include whole life, term, final expense, Medicare supplement, and annuities.
Appointments in progress. These three carriers are part of the lineup we're building, but our appointment with each is still in contracting — we can't place your coverage with them yet, and they're shown here for transparency, not as an offer:
Corebridge Financial
A Houston-based, NYSE-listed provider of retirement solutions and insurance products; its individual life insurance is issued by member insurers including American General Life Insurance Company.
AM Best financial strength rating: A (Excellent) for American General Life Insurance Company — per Corebridge's investor ratings page, which lists the AM Best outlook as "under review with developing implications" as of April 8, 2026; checked August 11, 2026.
Transamerica
A U.S. life insurance group that has been part of the Aegon group since 1999; its policies are issued by carriers including Transamerica Life Insurance Company, domiciled in Iowa.
AM Best financial strength rating: A (Excellent), stable outlook, for Transamerica Life Insurance Company — Best's Company Report effective February 13, 2026; checked August 11, 2026.
Chubb (Combined Insurance)
Our contracting in progress is with Combined Insurance Company of America — a Chicago-based Chubb company serving customers since 1922, offering individual supplemental accident, disability, health, and life insurance.
AM Best financial strength rating: A+ (Superior) for Combined Insurance Company of America — as published by the carrier; checked August 11, 2026.
We only ever place coverage with carriers we're actually appointed with. The carriers marked "appointment in progress" are shown for transparency because they're part of the lineup we're building — we won't place your coverage with any of them unless and until that appointment is active. Product availability, features, issue ages, and financial-strength ratings vary by carrier and by your state, age, and health. Each rating above shows the date we checked it; where a carrier publishes no effective date of its own, that check date is all we can state. Ratings can change; we'll confirm a carrier's current rating with you when we recommend it.
The guaranty-association safety net
Educational, not a sales pitch: here's the last line of protection behind every licensed carrier — and why we still put financial strength first.
What it is
Every state has a life & health guaranty association. If a licensed insurer becomes insolvent, it provides a backstop for policyholders, coordinated across states by NOLHGA. — NOLHGA
Limits vary by state
Coverage is capped, and the limits differ by state and product. It's a safety net with a ceiling — not a substitute for choosing a strong carrier. Confirm your state's specific limit. — NOLHGA; ACLI
Why we lead with strength anyway
The goal is never to need the guaranty association. That's why our first filter is a carrier's independent financial-strength rating and claims-paying track record — so the backstop stays a backstop.
How we're paid — plainly
Being upfront about compensation is part of being independent.
What's true
- The carrier pays the agent commission; it's already priced into the premium
- For the same policy from the same carrier, going through us doesn’t raise your price
- We represent several carriers, so we can place you with the one that fits rather than the only one we carry
What to always ask any agency
- Are you independent, or captive to one carrier?
- How many carriers did you actually compare for my case?
- What's this carrier's financial-strength rating, and from which agency?
- Why this carrier and product for my specific situation?
Let us compare carriers for your situation
No obligation. A licensed agent shops your case across our carriers, checks their financial strength, and explains why one fits better than another — in real numbers.
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