Independent. Multi-carrier. Built for you.
Independence means we're not captive to one insurance company. We place policies across a curated set of highly-rated carriers so the recommendation you receive is tuned to your situation — your state, your health class, your age band, and the specific product design that fits your plan.
Every carrier below is chosen for financial strength, product breadth, and consistent claims handling. A.M. Best ratings shown are examples as of recent publication — always verify current ratings with the carrier or at ambest.com before purchase.
Important
The carriers listed represent examples of highly-rated companies within each product category that independent producers commonly work with. Actual carrier appointments, product availability, and rates offered vary by state, agent, and applicant. Lifespan Wealth Partners does not guarantee we currently hold appointments with every carrier listed. During your discovery call we will confirm which specific carriers are available for your situation. A.M. Best ratings shown are examples as of recent publications and are subject to change; consult the individual carrier or ambest.com for current ratings. This page is educational and does not constitute an endorsement, recommendation, or offer of any specific carrier or product.
Life Insurance
| Carrier | A.M. Best | Notable for |
|---|---|---|
| Prudential Financial | A+ | Term, Universal Life, Variable products |
| Lincoln Financial Group | A+ | IUL, VUL, Term |
| Nationwide | A+ | IUL, VUL, Universal Life |
| John Hancock | A+ | Universal Life, Long-Term Care hybrid |
| Pacific Life | A+ | IUL, VUL |
| Symetra | A | IUL |
| Mutual of Omaha | A+ | Term, Whole Life, Final Expense |
| Protective Life | A+ | Term, Universal Life |
| AIG / Corebridge Financial | A | IUL, VUL, Annuities |
| American General | A | Term, Universal Life |
Annuities
| Carrier | A.M. Best | Notable for |
|---|---|---|
| Athene | A+ | Fixed-Indexed Annuities |
| F&G (Fidelity & Guaranty) | A | Fixed-Indexed Annuities |
| Allianz Life | A+ | Fixed-Indexed & Variable Annuities |
| Nationwide | A+ | Variable & Fixed-Indexed Annuities |
| Global Atlantic | A | Fixed-Indexed & Income Annuities |
| North American Company | A+ | Fixed-Indexed Annuities |
| Great American / MassMutual Ascend | A+ | Fixed-Indexed Annuities |
| Corebridge Financial | A | Variable & Fixed-Indexed Annuities |
Disability Income
| Carrier | A.M. Best | Notable for |
|---|---|---|
| Guardian | A++ | Physician-favored own-occupation DI |
| Principal Financial | A+ | Individual DI, business DI |
| MassMutual | A++ | Individual DI, professional-class |
| The Standard | A | Individual & Group DI |
| Ameritas | A | Individual DI |
| Ohio National | A | Individual DI (closed to new; existing service) |
Long-Term Care (Hybrid & Traditional)
| Carrier | A.M. Best | Notable for |
|---|---|---|
| Nationwide | A+ | Hybrid LTC on Life & Annuity chassis |
| OneAmerica | A+ | Asset-Care hybrid LTC |
| Securian Financial | A+ | Hybrid LTC riders |
| Mutual of Omaha | A+ | Traditional standalone LTC |
| National Guardian Life | A | Hybrid LTC |
| Lincoln Financial | A+ | MoneyGuard hybrid LTC |
Health Insurance
Now OnboardingHealth-insurance product offerings are being onboarded. Availability and specific plans vary by state.
| Carrier | A.M. Best | Notable for |
|---|---|---|
| Blue Cross Blue Shield (state entities) | Varies | ACA Marketplace, Group Health, Dental |
| UnitedHealthcare | A | Group Health, Dental & Vision |
| Aetna | A | Group Health, ACA Marketplace (select states) |
| Cigna | A | Group Health, ACA Marketplace |
| Anthem | A | ACA Marketplace, Group Health |
| Kaiser Permanente (select states) | A | HMO, Group Health |
| VSP / EyeMed | N/A | Vision |
| Delta Dental | N/A | Dental |
Medicare
Now OnboardingMedicare product offerings are being onboarded. Content is educational only and does not represent a specific plan offer. Not affiliated with or endorsed by Medicare, CMS, or the U.S. government.
| Carrier | A.M. Best | Notable for |
|---|---|---|
| UnitedHealthcare | A | Medicare Advantage, Medicare Supp, Part D |
| Humana | A- | Medicare Advantage, Part D |
| Aetna (a CVS Health company) | A | Medicare Advantage, Medicare Supp, Part D |
| Cigna | A | Medicare Advantage, Medicare Supp, Part D |
| Blue Cross Blue Shield | Varies by BCBS entity | Medicare Advantage, Medicare Supp |
| Mutual of Omaha | A+ | Medicare Supplement |
| WellCare / Centene | Varies | Medicare Advantage, Part D |
Multi-carrier choice
We compare across a curated set of A-rated carriers instead of pushing one.
No captive incentives
Independence means we don't have quotas tied to a single carrier.
Best-fit, not best-commission
Recommendations map to your situation — not to the carrier paying most that month.
State-appropriate coverage
Product availability and rates vary by state; we align to what's approved where you live.
Lifespan Wealth Partners is a licensed insurance producer, not a registered investment adviser. Nothing on this page constitutes investment, tax, or legal advice. See our Compliance & Disclosures page for full regulatory information.