Carrier Shelf
Contracted with the carriers that actually pay.
We don't have one carrier we push every client into. Our job is to recommend the right product — and that requires a real shelf. Top-tier contracts, multi-line coverage, and underwriting flexibility that lets you write clients other agencies decline.
Mutual of Omaha
Term, Whole, Final Expense
A+ rated, simplified-issue final expense — quick decisions, broad health acceptance.
Americo
Final Expense, Term
Top-tier final expense underwriter. Day-one coverage on most health classes.
Aetna / CVS Health
Final Expense, Med Sup
Strong final expense product with competitive pricing for healthier clients age 50–85.
Gerber Life
Whole Life, Term, Final Expense
Guaranteed-issue option for clients who would otherwise be declined — important for the senior market.
Liberty Bankers Life
Final Expense, Annuities
Aggressive underwriting on final expense plus a strong fixed annuity shelf for retirement rollovers.
Prosperity Life
Final Expense, Whole Life
Competitive rates and same-day approvals on most simplified-issue applications.
Trans America
Term, IUL, Whole Life
Top IUL product for retirement income planning. Strong term shelf for high-coverage families.
Foresters Financial
Term, Whole, IUL
Fraternal benefits + member discounts that win clients other agents lose.
Why this matters for your paycheck
Top contracts. No splits.
100%
Street-level commission for licensed Full Agents. No house splits, no override skims.
8+
Active carrier contracts. You quote the client, not the carrier you're forced to sell.
4
Product lines on the shelf — Term, Whole, IUL, Final Expense — for full Financial House conversations.
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Everything we offer, in one place.
The System
Non-outbound lead engine, AI dialer, live transfers — the full workflow that runs the business.
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30-minute discovery call. Honest read on whether the system, the math, and the team are a fit.