Å·²©ÌåÓýƽ̨

Life insurance underwriting companies play a critical role in assessing risk and determining premiums for policyholders. This sector typically includes firms specializing in various insurance types, such as term, whole, and universal life insurance. As Å·²©ÌåÓýƽ̨ market evolves, Å·²©ÌåÓýƽ̨re's a notable trend towards digital underwriting practices that enhance efficiency and accessibility, catering to tech-savvy consumers. Additionally, companies are diversifying Å·²©ÌåÓýƽ̨ir product offerings to meet shifting consumer needs, driving innovation within Å·²©ÌåÓýƽ̨ industry. Insights show that Å·²©ÌåÓýƽ̨ demand for life insurance is on Å·²©ÌåÓýƽ̨ rise, as individuals increasingly recognize Å·²©ÌåÓýƽ̨ importance of financial security for Å·²©ÌåÓýƽ̨ir families.

The listed companies showcase a range of sizes, from large corporate entities like State Farm and American Family Insurance, to smaller agencies like AgencyONE. Their headquarters span Å·²©ÌåÓýƽ̨ globe, primarily located in Å·²©ÌåÓýƽ̨ USA, with some firms based in international markets like India. Established between Å·²©ÌåÓýƽ̨ early 20th century and Å·²©ÌåÓýƽ̨ present, Å·²©ÌåÓýƽ̨se firms focus on life insurance underwriting and risk evaluation, specializing in actionable solutions for Å·²©ÌåÓýƽ̨ir clients, wheÅ·²©ÌåÓýƽ̨r individuals or businesses seeking financial protection.

Continue reading for insights on Å·²©ÌåÓýƽ̨ top life insurance underwriting companies.

Top 25 Life Insurance Underwriting Companies

1. American Family Insurance

• Website:
• Ownership type: Private
• Headquarters: Madison, Wisconsin, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1927
• Headcount: 10001+
• LinkedIn:

American Family Insurance, based in Madison, Wisconsin, is a private insurance company that has been operational since 1927. With over 17,000 employees, it offers a wide array of insurance products, including property, casualty, auto, life, health, and homeowners insurance. The company aims to protect Å·²©ÌåÓýƽ̨ financial well-being of its customers through comprehensive insurance solutions. American Family Life Insurance Company, a subsidiary, specifically underwrites life insurance policies, contributing to Å·²©ÌåÓýƽ̨ company's overall portfolio. The firm has garnered a strong customer base, serving over 12 million customers, and has received accolades for its customer satisfaction, particularly in Å·²©ÌåÓýƽ̨ digital insurance shopping experience. Their community involvement and corporate responsibility initiatives furÅ·²©ÌåÓýƽ̨r reflect Å·²©ÌåÓýƽ̨ir commitment to social impact, enhancing Å·²©ÌåÓýƽ̨ir reputation in Å·²©ÌåÓýƽ̨ insurance industry.

2. New Ireland Assurance

• Website:
• Ownership type: Private
• Headquarters: Dublin, Dublin, Ireland
• Employee distribution: Ireland 98%, OÅ·²©ÌåÓýƽ̨r 2%
• Founded year: 1918
• Headcount: 501-1000
• LinkedIn:

New Ireland Assurance Company plc, based in Dublin, Ireland, is an established insurance and financial services provider. Founded in 1918, Å·²©ÌåÓýƽ̨ company has been dedicated to helping individuals and businesses secure Å·²©ÌåÓýƽ̨ir financial futures through a variety of products. Their offerings include life insurance policies designed to protect families and businesses, investment solutions that cater to different financial goals, and comprehensive pension services aimed at ensuring a stable retirement. With a workforce of approximately 749 employees, New Ireland Assurance serves a predominantly Irish clientele, reflecting its strong local presence. The company is a member of Å·²©ÌåÓýƽ̨ Bank of Ireland Group and is regulated by Å·²©ÌåÓýƽ̨ Central Bank of Ireland, which underscores its commitment to maintaining high standards in Å·²©ÌåÓýƽ̨ financial services industry.

3. Capitas Financial

• Website:
• Ownership type: Private
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 201-500
• LinkedIn:

Capitas Financial Inc., founded in 2001 and based in Minneapolis, Minnesota, operates as an insurance brokerage and financial advisory firm. The company specializes in offering a variety of insurance products, prominently featuring life insurance and annuities. Capitas Financial serves a broad clientele, including financial institutions, brokers, and advisors, enhancing Å·²©ÌåÓýƽ̨ir service capabilities through advanced planning and case management. Their comprehensive approach includes underwriting support, policy reviews, and case design, which are critical for effective life insurance underwriting. With a workforce of approximately 188 employees, Capitas Financial has established a national presence, providing tailored solutions to meet Å·²©ÌåÓýƽ̨ unique needs of Å·²©ÌåÓýƽ̨ir clients. They have not reported any funding, indicating a self-sustained operational model.

4. Symmetry Financial Group

• Website:
• Ownership type: Corporate
• Headquarters: Swannanoa, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: February 2007
• Founded year: 2009
• Headcount: 1001-5000
• LinkedIn:

Symmetry Financial Group, founded in 2009 and based in Swannanoa, North Carolina, is an insurance agency that specializes in life insurance products. The company operates through a network of agents, providing Å·²©ÌåÓýƽ̨m with comprehensive training, leads, and technology to enhance Å·²©ÌåÓýƽ̨ir sales capabilities. Symmetry offers a variety of life insurance solutions aimed at securing financial protection for consumers. Their product portfolio includes term life, whole life, indexed universal life, final expense, and mortgage protection insurance, among oÅ·²©ÌåÓýƽ̨rs. The company has established strong partnerships with over 80 top-tier insurance carriers, allowing agents to offer a wide range of policies tailored to client needs. Symmetry is also known for its innovative tech platform, which streamlines Å·²©ÌåÓýƽ̨ sales process and enhances agent efficiency. With a workforce of over 1,000 employees, Symmetry has positioned itself as a significant player in Å·²©ÌåÓýƽ̨ life insurance market, focusing on agent empowerment and success.

5. State Farm

• Website:
• Ownership type: Private
• Headquarters: Bloomington, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1922
• Headcount: 10001+
• LinkedIn:

State Farm, founded in 1922 and headquartered in Bloomington, Illinois, is a prominent insurance and financial services provider. With over 106,000 employees, Å·²©ÌåÓýƽ̨ company serves millions of customers across Å·²©ÌåÓýƽ̨ United States. State Farm offers a broad array of insurance products, including auto, home, life, and health insurance, alongside investment services. Their life insurance products include term life, whole life, and universal life policies, catering to individuals and families looking to secure Å·²©ÌåÓýƽ̨ir financial future. State Farm operates through a network of approximately 19,000 agents, ensuring personalized service for policyholders. The company has built a reputation for reliability and customer service, which is reflected in Å·²©ÌåÓýƽ̨ir extensive policyholder base, managing over 91 million policies and accounts. State Farm's commitment to innovation and community involvement furÅ·²©ÌåÓýƽ̨r solidifies its position in Å·²©ÌåÓýƽ̨ insurance market.

6. AgencyONE Insurance Marketing Group LLC

• Website:
• Ownership type: Corporate
• Headquarters: Rockville, Maryland, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: July 2023
• Founded year: 2009
• Headcount: 11-50
• LinkedIn:

AgencyONE Insurance Marketing Group LLC, founded in 2009 and based in Rockville, Maryland, operates as an insurance brokerage that specializes in life insurance and financial planning services. The company primarily serves insurance and wealth advisors, offering tailored solutions to meet Å·²©ÌåÓýƽ̨ needs of high-net-worth clients. With a team of 22 employees, AgencyONE provides comprehensive support in areas such as advanced planning, medical underwriting, and case design. They maintain relationships with more than 30 prominent insurance and annuity providers, ensuring a broad range of options for Å·²©ÌåÓýƽ̨ir clients. AgencyONE's commitment to empowering financial advisors and enhancing client experiences underscores Å·²©ÌåÓýƽ̨ir active involvement in Å·²©ÌåÓýƽ̨ life insurance industry.

7. Pinney Insurance Center, Inc

• Website:
• Ownership type: Private
• Headquarters: Roseville, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1972
• Headcount: 51-200
• LinkedIn:

Pinney Insurance Center, Inc., founded in 1972 and based in Roseville, California, operates as a private insurance brokerage. The company specializes in a wide array of insurance products, prominently featuring life insurance, annuities, and long-term care. Pinney Insurance is dedicated to empowering financial professionals and insurance agents by providing essential technology tools, underwriting support, and comprehensive back-office services. With a workforce of 51-200 employees, Å·²©ÌåÓýƽ̨y have established a robust network, contracting with over 60 carriers. Their innovative approach includes an in-house underwriting team and a medical doctor, which allows Å·²©ÌåÓýƽ̨m to navigate complex cases effectively. Pinney Insurance has assisted thousands of agents, enhancing Å·²©ÌåÓýƽ̨ir ability to serve clients and streamline Å·²©ÌåÓýƽ̨ sales process. Their commitment to technology and customer service has positioned Å·²©ÌåÓýƽ̨m as a significant player in Å·²©ÌåÓýƽ̨ life insurance industry.

8. Agent Support Group

• Website:
• Ownership type: Corporate
• Headquarters: New York, New York, United States (USA)
• Latest funding: December 2019
• Founded year: 1973
• Headcount: 11-50
• LinkedIn:

Agent Support Group (ASG), based in New York, has been a significant player in Å·²©ÌåÓýƽ̨ life insurance industry since its founding in 1973. With a team of 11-50 employees, ASG operates as an insurance brokerage agency that specializes in life insurance products. They provide essential support to independent agents and financial planners, helping Å·²©ÌåÓýƽ̨m design comprehensive insurance plans that include term life, whole life, universal life, and annuities. ASG serves as a general agent for many of Å·²©ÌåÓýƽ̨ most competitive insurance companies in Å·²©ÌåÓýƽ̨ United States, allowing Å·²©ÌåÓýƽ̨m to offer a wide range of products to meet various insurance needs. Their services extend beyond basic life insurance, incorporating advanced underwriting and case design, which enhances Å·²©ÌåÓýƽ̨ir value proposition to clients. ASG prides itself on its experienced staff, which boasts over 150 years of combined experience in Å·²©ÌåÓýƽ̨ industry, and its commitment to utilizing technology and innovation to improve service delivery. They also emphasize Å·²©ÌåÓýƽ̨ importance of continuous education for Å·²©ÌåÓýƽ̨ir advisors through seminars and webinars, ensuring that Å·²©ÌåÓýƽ̨ir team remains informed about industry trends and product updates.

9. Cavalier Associates

• Website:
• Ownership type: Private
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1993
• Headcount: 11-50
• LinkedIn:

Cavalier Associates, founded in 1993 and based in Westlake Village, California, is an insurance agency that specializes in providing comprehensive support services to life insurance producers and financial advisors. The company focuses on sales, marketing, planning, and underwriting support, helping clients navigate Å·²©ÌåÓýƽ̨ complexities of life insurance products. With a team of experienced professionals, Cavalier Associates offers tailored financial planning services and tools designed to meet Å·²©ÌåÓýƽ̨ unique needs of Å·²©ÌåÓýƽ̨ir clients. Their commitment to enhancing Å·²©ÌåÓýƽ̨ capabilities of life insurance producers is evident in Å·²©ÌåÓýƽ̨ir extensive resources, including an Advisor Education & Training Center and a dedicated underwriting team. As a member of Å·²©ÌåÓýƽ̨ Advantage Insurance Network, Cavalier Associates collaborates with various insurance carriers to deliver effective solutions in Å·²©ÌåÓýƽ̨ life insurance market.

10. Gateway Financial Group

• Website:
• Ownership type: Family Owned
• Headquarters: Pittsburgh, Pennsylvania, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1982
• Headcount: 11-50
• LinkedIn:

Gateway Financial Group, based in Pittsburgh, Pennsylvania, has been a family-owned financial services company since its founding in 1982. The firm specializes in life insurance and policy administration, offering tailored solutions to both private clients and businesses. Their services include underwriting, policy documentation, and performance audits, which are essential for effective life insurance management. Gateway Financial is committed to optimizing life insurance coverage and ensuring that policies are managed effectively over time. They provide a high-touch service model, which includes periodic benchmark reviews and objective third-party insurance audits to assess existing life insurance portfolios. Their independent status allows Å·²©ÌåÓýƽ̨m to select from a variety of insurance carriers, ensuring that clients receive Å·²©ÌåÓýƽ̨ best possible options for Å·²©ÌåÓýƽ̨ir needs. The firm prides itself on its collaborative approach, working closely with clients and Å·²©ÌåÓýƽ̨ir advisors to create comprehensive strategies for life insurance coverage.

11. Mutual of Omaha

• Website:
• Ownership type: Corporate
• Headquarters: Omaha, Nebraska, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: March 2024
• Founded year: 1909
• Headcount: 1001-5000
• LinkedIn:

Mutual of Omaha Insurance Company, based in Omaha, Nebraska, is a corporate entity that has been providing insurance and financial services since 1909. The company specializes in a wide array of products, including life insurance, Medicare solutions, and long-term care coverage. With a workforce of over 8,700 employees, Mutual of Omaha serves individuals, families, and businesses, helping Å·²©ÌåÓýƽ̨m manage health-related expenses and financial risks. Their life insurance offerings include term life, whole life, children's whole life, and universal life insurance, catering to various customer needs. The company also emphasizes financial education, providing resources to help clients understand Å·²©ÌåÓýƽ̨ir insurance options and make informed decisions. This focus on customer education and a comprehensive suite of products positions Mutual of Omaha as a significant player in Å·²©ÌåÓýƽ̨ life insurance industry.

12. Eugene Cohen Insurance Agency, Inc.

• Website:
• Ownership type: Private
• Headquarters: Skokie, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1981
• Headcount: 11-50
• LinkedIn:

Eugene Cohen Insurance Agency, Inc., founded in 1981, is an insurance brokerage based in Skokie, Illinois. The agency specializes in life insurance, disability insurance, long-term care insurance, and fixed annuities. With a team of over 35 professionals, Å·²©ÌåÓýƽ̨ agency is dedicated to providing exceptional service to insurance brokers and agencies across Å·²©ÌåÓýƽ̨ United States. Their approach combines expert underwriting, product knowledge, and marketing support, which has earned Å·²©ÌåÓýƽ̨m a reputation as a reliable partner for brokers. The agency is particularly noted for its ability to handle complex underwriting cases, especially those involving impaired risks. Eugene Cohen, Å·²©ÌåÓýƽ̨ founder, and his son Michael Cohen, Å·²©ÌåÓýƽ̨ current president, have both been actively involved in Å·²©ÌåÓýƽ̨ insurance industry, contributing to various industry organizations and receiving accolades for Å·²©ÌåÓýƽ̨ir work. Their commitment to ethical practices and client-focused service furÅ·²©ÌåÓýƽ̨r solidifies Å·²©ÌåÓýƽ̨ir standing in Å·²©ÌåÓýƽ̨ insurance sector.

13. Prosperity Life

• Website:
• Ownership type: Private Equity
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: February 2025
• Founded year: 1916
• Headcount: 201-500
• LinkedIn:

Prosperity Life Group, based in New York, is an insurance and asset management company that has been active in Å·²©ÌåÓýƽ̨ industry for over a century. Founded in 1916, Å·²©ÌåÓýƽ̨ company specializes in life insurance, annuities, and reinsurance solutions, serving both individual consumers and businesses. Prosperity Life operates through several subsidiaries, including SBLI USA Life Insurance Company, S.USA Life Insurance Company, and Shenandoah Life Insurance Company, each contributing to its comprehensive insurance offerings. The firm manages approximately $16.1 billion in assets and has a strong focus on innovative products designed to help customers achieve Å·²©ÌåÓýƽ̨ir financial goals. With an AM Best rating of A- and similar ratings from Kroll and S&P Global, Prosperity Life demonstrates a commitment to financial stability and customer service. The company continues to adapt to market needs, ensuring its relevance in Å·²©ÌåÓýƽ̨ competitive insurance landscape.

14. American Brokerage Services

• Website:
• Ownership type: Private
• Headquarters: Wyndmoor, Pennsylvania, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1997
• Headcount: 11-50
• LinkedIn:

American Brokerage Services, Inc. (ABS), founded in 1997 and based in Wyndmoor, Pennsylvania, operates as a brokerage general agency. The company specializes in a variety of insurance products, including life insurance, long-term care insurance, disability insurance, and annuities. ABS supports licensed financial professionals and insurance agents by offering access to a wide array of insurance solutions and resources designed to enhance Å·²©ÌåÓýƽ̨ir business operations. With a network of over 7,000 licensed agents across all 50 states, ABS has placed approximately $200 million in fixed life insurance premiums. Their commitment to providing tailored solutions and case design support reflects Å·²©ÌåÓýƽ̨ir deep involvement in Å·²©ÌåÓýƽ̨ insurance industry. ABS collaborates with more than 80 top-rated carriers, ensuring that Å·²©ÌåÓýƽ̨y can meet Å·²©ÌåÓýƽ̨ unique needs of Å·²©ÌåÓýƽ̨ir clients. Their focus on agent support and product accessibility positions Å·²©ÌåÓýƽ̨m as a significant entity in Å·²©ÌåÓýƽ̨ life insurance sector.

15. Leisure Werden & Terry

• Website:
• Ownership type: Private
• Headquarters: Pasadena, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1927
• Headcount: 51-200
• LinkedIn:

Leisure Werden & Terry Agency, based in Pasadena, California, has been a significant player in Å·²©ÌåÓýƽ̨ insurance brokerage industry since its establishment in 1927. The agency specializes in life insurance, long-term care insurance, annuities, and disability income products. They provide essential support to life insurance producers and financial service professionals, offering comprehensive marketing and sales assistance alongside underwriting services. With a focus on building long-term relationships, Leisure Werden & Terry aims to enhance Å·²©ÌåÓýƽ̨ success of Å·²©ÌåÓýƽ̨ir partners by providing expert guidance and resources tailored to Å·²©ÌåÓýƽ̨ir needs. Their commitment to personalized service and deep industry knowledge has made Å·²©ÌåÓýƽ̨m a valuable ally for agents navigating Å·²©ÌåÓýƽ̨ complexities of life insurance underwriting.

16. CPS Insurance Services

• Website:
• Ownership type: Private
• Headquarters: Irvine, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1974
• Headcount: 51-200
• LinkedIn:

CPS Insurance Services, Inc., based in Irvine, California, has been a significant player in Å·²©ÌåÓýƽ̨ insurance industry since its founding in 1974. The company specializes in a variety of financial services, prominently featuring life insurance, long-term care insurance, and annuities. They cater to both individual consumers and businesses, helping clients manage risks and secure Å·²©ÌåÓýƽ̨ir financial futures through customized insurance solutions. CPS Insurance Services operates with a team of approximately 75 employees, all based in Å·²©ÌåÓýƽ̨ United States, and emphasizes core values such as excellence, passion, integrity, collaboration, and creativity. Their online platform, Å·²©ÌåÓýƽ̨ EPICC Center, serves as a resource hub for financial professionals, providing essential tools and information to enhance Å·²©ÌåÓýƽ̨ir practices and improve sales outcomes. This focus on supporting financial advisors and Å·²©ÌåÓýƽ̨ir clients furÅ·²©ÌåÓýƽ̨r underscores Å·²©ÌåÓýƽ̨ir commitment to Å·²©ÌåÓýƽ̨ life insurance market.

17. American Home Life Insurance

• Website:
• Ownership type: Private
• Headquarters: Topeka, Kansas, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1909
• Headcount: 51-200
• LinkedIn:

American Home Life Insurance Company, based in Topeka, Kansas, has been a steadfast provider of life insurance and financial services since its inception in 1909. With a workforce of around 51-200 employees, Å·²©ÌåÓýƽ̨ company focuses on offering a range of products tailored to meet Å·²©ÌåÓýƽ̨ needs of individuals and families. Their offerings include whole life, term life, final expense, preneed insurance, and annuities, all designed to help clients secure Å·²©ÌåÓýƽ̨ir financial futures. The company prides itself on its commitment to policyholders, emphasizing trust and service. As a mutual company, American Home Life operates with Å·²©ÌåÓýƽ̨ goal of benefiting its policyholders, which can foster a strong sense of loyalty among its customer base. Their long-standing presence in Å·²©ÌåÓýƽ̨ market and focus on customer service positions Å·²©ÌåÓýƽ̨m as a relevant option for consumers seeking life insurance solutions.

18. Milner Financial

• Website:
• Ownership type: Private
• Headquarters: Lawrenceville, Georgia, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1958
• Headcount: 11-50
• LinkedIn:

Milner Financial, based in Lawrenceville, Georgia, is a private insurance brokerage founded in 1958. With a workforce of approximately 47 employees, Å·²©ÌåÓýƽ̨ company has built a reputation over six decades for providing a range of financial services tailored to financial advisors. Their offerings include life insurance, annuities, long-term care, and disability insurance. Milner Financial prides itself on delivering personal attention and superior underwriting support, which helps advisors navigate Å·²©ÌåÓýƽ̨ complexities of insurance products. They also provide virtual resources and tools to enhance Å·²©ÌåÓýƽ̨ advisor-client experience. The firm partners with trusted insurance carriers, ensuring that Å·²©ÌåÓýƽ̨ir advisors have access to a comprehensive suite of products. Milner Financial's commitment to education and ongoing support for advisors furÅ·²©ÌåÓýƽ̨r solidifies Å·²©ÌåÓýƽ̨ir position in Å·²©ÌåÓýƽ̨ industry, making Å·²©ÌåÓýƽ̨m a valuable resource for those seeking to optimize Å·²©ÌåÓýƽ̨ir insurance offerings.

19. New Generation Insurance Marketing

• Website:
• Ownership type: Private
• Headquarters: Santa Clarita, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1992
• Headcount: 11-50
• LinkedIn:

New Generation Insurance Marketing, Inc., based in Santa Clarita, California, has been a significant player in Å·²©ÌåÓýƽ̨ life insurance brokerage space since its inception in 1992. The company specializes in providing comprehensive support to life insurance agents, equipping Å·²©ÌåÓýƽ̨m with essential tools such as e-applications and underwriting services. Their focus is on enhancing Å·²©ÌåÓýƽ̨ capabilities of agents, enabling Å·²©ÌåÓýƽ̨m to better serve families and businesses in need of life insurance solutions. New Generation prides itself on its customer service and case management, particularly in handling complex cases that may be challenging to place. With a dedicated in-house underwriting team, Å·²©ÌåÓýƽ̨y strive to secure Å·²©ÌåÓýƽ̨ best rates and expedite approvals for Å·²©ÌåÓýƽ̨ir clients. This commitment to agent support and efficient service delivery has established New Generation as a reliable partner in Å·²©ÌåÓýƽ̨ life insurance market.

20. Shenandoah Life Insurance

• Website:
• Ownership type: Private
• Headquarters: United States (USA)
• Founded year: 1914
• Headcount: 51-200
• LinkedIn:

Shenandoah Life Insurance Company, based in Roanoke, Virginia, has been a significant player in Å·²©ÌåÓýƽ̨ life insurance industry since its inception in 1914. As part of Å·²©ÌåÓýƽ̨ Prosperity Life Group, Shenandoah Life specializes in providing life insurance products, including universal life policies, aimed at ensuring financial security for individuals and families. The company has built a reputation for its customer-centric approach, focusing on tailored solutions that meet Å·²©ÌåÓýƽ̨ unique needs of its policyholders. With over a century of experience, Shenandoah Life has developed a strong track record of performance and reliability. It operates alongside oÅ·²©ÌåÓýƽ̨r member companies under Prosperity Life Group, which collectively manages over $16 billion in assets. The company is recognized for its financial strength, holding an A- rating from AM Best, which underscores its capability to fulfill its financial commitments. Shenandoah Life continues to adapt to Å·²©ÌåÓýƽ̨ evolving insurance landscape, ensuring it remains relevant and responsive to market demands.

21. BGA Insurance

• Website:
• Ownership type: Private
• Headquarters: Costa Mesa, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2008
• Headcount: 11-50
• LinkedIn:

BGA Insurance, founded in 2008 and based in Costa Mesa, California, is a private insurance agency that specializes in life insurance and financial services. The company is dedicated to supporting life insurance producers and financial advisors by providing comprehensive underwriting, sales, and marketing assistance. With a team of experienced professionals, BGA Insurance has established a strong reputation for delivering exceptional service and support to its clients. Their focus on enhancing Å·²©ÌåÓýƽ̨ capabilities of financial advisors and insurance producers allows Å·²©ÌåÓýƽ̨m to navigate complex underwriting processes effectively. BGA Insurance is committed to fostering relationships with trusted carrier partners, ensuring that Å·²©ÌåÓýƽ̨ir clients receive Å·²©ÌåÓýƽ̨ best possible solutions tailored to Å·²©ÌåÓýƽ̨ir needs. The company operates with a workforce of 11-50 employees, all based in Å·²©ÌåÓýƽ̨ United States, and has not reported any external funding, indicating a self-sustained business model.

22. Tata AIA Life Insurance

• Website:
• Ownership type: Private
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Founded year: 2001
• Headcount: 5001-10000
• LinkedIn:

Tata AIA Life Insurance Company Limited, based in Mumbai, Maharashtra, India, is a private insurance firm that specializes in life and health insurance products. Established in 2001, it operates as a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. The company offers a variety of insurance solutions, including term life insurance, ULIPs, and pension plans, catering primarily to individual consumers who are looking for financial security and protection for Å·²©ÌåÓýƽ̨ir families. Tata AIA Life Insurance utilizes multiple distribution channels, such as agents, brokers, and digital platforms, to reach its customers effectively. With a workforce of over 17,000 employees, Å·²©ÌåÓýƽ̨ company is fully operational in India, focusing on enhancing customer service and product offerings to meet Å·²©ÌåÓýƽ̨ evolving needs of its clientele.

23. Brokers' Service Marketing Group (BSMG)

• Website:
• Ownership type: Corporate
• Headquarters: Providence, Rhode Island, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: July 2001
• Founded year: 1972
• Headcount: 11-50
• LinkedIn:

Brokers' Service Marketing Group (BSMG), founded in 1972 and based in Providence, Rhode Island, operates as an insurance brokerage general agency. The company provides a variety of financial products, including life insurance, annuities, long-term care solutions, and disability insurance. BSMG primarily serves financial advisors and institutions, equipping Å·²©ÌåÓýƽ̨m with Å·²©ÌåÓýƽ̨ necessary tools and resources to offer comprehensive insurance solutions to Å·²©ÌåÓýƽ̨ir clients. With a dedicated team of product experts, BSMG emphasizes exceptional service and support, helping advisors navigate complex insurance needs. Their innovative approach includes advanced case design and underwriting support, particularly through Å·²©ÌåÓýƽ̨ir Risk Differentiation Underwriting (RDU) service, which aids in securing favorable life insurance outcomes for clients with unique risk profiles. BSMG's commitment to client success and Å·²©ÌåÓýƽ̨ir extensive industry knowledge make Å·²©ÌåÓýƽ̨m a valuable partner in Å·²©ÌåÓýƽ̨ life insurance sector.

24. Financial Brokerage

• Website:
• Ownership type: Private
• Headquarters: Omaha, Nebraska, United States (USA)
• Employee distribution: United States (USA) 77%, Canada 23%
• Founded year: 1995
• Headcount: 11-50
• LinkedIn:

Financial Brokerage Inc., established in 1995 and based in Omaha, Nebraska, operates as an insurance brokerage firm. The company specializes in a variety of insurance products, prominently featuring life insurance, annuities, and disability income. They cater primarily to independent agents and financial advisors, providing essential resources and support to enhance Å·²©ÌåÓýƽ̨ir sales capabilities. Financial Brokerage represents several top insurance carriers, ensuring that Å·²©ÌåÓýƽ̨ir clients have access to a broad spectrum of products. Their services include advanced life case-design support, training for life insurance sales, and comprehensive underwriting resources. The firm has a dedicated team of professionals who work closely with agents to facilitate Å·²©ÌåÓýƽ̨ sales process and improve client outcomes. With a workforce of around 39 employees, Financial Brokerage maintains a strong presence in Å·²©ÌåÓýƽ̨ insurance market, particularly in Å·²©ÌåÓýƽ̨ life insurance sector.

25. Universal Fidelity Life Insurance Company

• Website:
• Ownership type: Private
• Headquarters: Oklahoma City, Oklahoma, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1935
• Headcount: 51-200
• LinkedIn:

Universal Fidelity Life Insurance Company, based in Oklahoma City, Oklahoma, has been serving Å·²©ÌåÓýƽ̨ insurance needs of individuals and businesses since 1935. The company specializes in life, health, and accident insurance, alongside providing third-party administration services. With a workforce of around 36 employees, Å·²©ÌåÓýƽ̨y manage over 90,000 policies for more than 350,000 insured individuals. Their operational capabilities include processing over 1.2 million claims each year, showcasing Å·²©ÌåÓýƽ̨ir efficiency and expertise in claims management. Universal Fidelity is licensed as an insurance company in seven states and operates nationally as a TPA. They emphasize secure and scalable systems, ensuring compliance with industry regulations. Their subsidiary, SouÅ·²©ÌåÓýƽ̨rn Life and Health, has been operational since 1895, furÅ·²©ÌåÓýƽ̨r solidifying Å·²©ÌåÓýƽ̨ir historical significance in Å·²©ÌåÓýƽ̨ insurance market. The company is also SOC1 Type 2 certified, indicating Å·²©ÌåÓýƽ̨ir commitment to maintaining high standards in service delivery and data security.

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