40+ carriers. Zero favorites.
We are paid roughly the same by every carrier we represent, which is precisely the point: the only reason to pick one over another is that it fits you better.
Which insurance carriers does Impact Financial Group work with?
We place business with more than forty carriers, every one of them rated A- or better by AM Best, and the carriers we work with most are named on this page rather than hidden behind the phrase top-rated partners. Because we are independent, no carrier sets a quota for us and none of them pays us more for steering you their way.
These are carriers we place business with today. Appointments vary by state and change over time, so ask your agent to confirm which of them can quote you before you apply.
How a carrier earns a spot on our shelf
- Financial strength first. A- or better from AM Best. A guarantee is only as good as the balance sheet behind it.
- Claims behavior. We track how carriers actually treat beneficiaries, not just what the brochure says.
- Underwriting niches. The best carrier for a diabetic differs from the best for a pilot. Breadth is the product.
- Policyholder track record. For IUL and annuities, we weight how carriers have treated existing customers' caps and rates over time.
Common questions
What does an AM Best rating actually mean?+
AM Best grades an insurer's ability to pay claims, from A++ down. We hold our shelf to A- or better, the range regarded as excellent or superior financial strength.
Is my policy with you or with the carrier?+
With the carrier. They issue the contract, hold the reserves and pay the claim. We are your agent of record: your advocate for service, changes and claims for the life of the policy.
What happens if a carrier fails?+
It is rare at the rating levels we require, and state guaranty associations provide a further backstop up to state-specific limits. Diversifying large amounts across carriers is a strategy we will discuss when relevant.
Why not just show me all 40 quotes?+
Because 38 of them will be wrong for you, and a wall of numbers hides the two that matter. We shortlist based on underwriting fit first, then price. You always see more than one option.
Let the carriers compete for you
One conversation puts your profile in front of the whole shelf. May the best offer win.