Page 13 - Lasting Mark : Life Book 2025

CARRIERS

Tier 1 Carriers

Tier 1 carriers offer top-level compensation and scalable distribution through the hierarchical structure,
enabling overrides at all levels. They are known for providing high-quality service and fostering strong
relationships. Additionally, these carriers offer flexible underwriting, a straightforward client application
process, and a comprehensive range of products. By prioritizing Tier 1 carriers, you position yourself, your
clients, and any future agents for success.

American Amicable, SBLI, MOO, Foresters, TransAmerica

Tier 2 Carriers

Tier 2 carriers offer specialized or niche products that provide competitive compensation. Their distribution
model is designed for scalability and includes overrides at all hierarchy levels, which supports agency
growth. Although product offerings may be more limited, they typically feature flexible underwriting and a
straightforward client application process. Having these carriers in your portfolio is beneficial as they serve
as valuable secondary options for various scenarios.

Aetna, Americo, Baltimore Life, Liberty Bankers Life, Royal Neighbors of America, American Home
Life, F&G, John Hancock, and National Life Group

Tier 3 Carriers

Tier 3 carriers offer products that primarily serve niche underwriting needs. Compensation is generally
lower, and distribution scalability is limited, meaning overrides are not available at all levels. This tier also
includes Guaranteed Issue carriers, which are used when there are no viable options in Tier 1 or Tier 2.

Aflac, American Home Life, All-State, AIG, CICA Life, Ethos, Gerber, Guarantee Trust Life (GTL), Kansas
City Life, Pekin, Royal Arcanum, Trinity Life

DOING LIFE WITH LASTING MARK | 13