Our Handpicked
Carriers
We do the research to find the strongest protection on the
market. Here's how they're picked, and why.
How We Pick Our Carriers
Every carrier on our platform passed a four-part evaluation.
AM Best Rating
We only work with carriers rated A or higher by AM Best, the gold standard for insurance company financial strength.
Competitive Pricing
We compare rates across carriers to make sure you get real value, not inflated premiums from a limited selection.
Industry Reputation
We evaluate how long they’ve been in business, their track record paying claims, and how the industry views them.
Customer Experience
We look at J.D. Power data, complaint ratios, and real customer feedback to make sure policyholders are treated right.
AM Best Rating
We only work with carriers rated A or higher by AM Best, the gold standard for insurance company financial strength.
Competitive Pricing
We compare rates across carriers to make sure you get real value, not inflated premiums from a limited selection.
Industry Reputation
We evaluate how long they’ve been in business, their track record paying claims, and how the industry views them.
Customer Experience
We look at J.D. Power data, complaint ratios, and real customer feedback to make sure policyholders are treated right.
Our Platform at a Glance
A snapshot of the carriers Ozzo handpicked.
Vetted Carriers
A+
Avg. AM Best Rating
Years Avg. in Business
Paid Placements
Our Promise:
You come first. We never pick carriers based on commission. No one can buy a spot on our platform.
Meet Our Carriers
Out of the entire market, these are the ones that made the cut. Here's what sets them apart.
Legal & General America
- AM Best: A+
- Est. 1836
Market Position
#2 Term Life Provider in the U.S.
Pricing
Consistently among the most competitive
Term Length
Up to 40 years, longest level term available
Scale
1.8M+ policyholders served
- Top Rated for Value
- Multiple Industry Awards
Mutual of Omaha
- AM Best: A+
- Est. 1909
Customer Satisfaction
#1 in J.D. Power 2025 Life Insurance Study
Pricing
Term rates below national average
Ownership
Mutual company, owned by policyholders
Retention
100% of surveyed customers plan to renew
- #1 J.D. Power 2025
- Fortune 500
Prudential
- AM Best: A+
- Est. 1875
Customer Satisfaction
#1 in J.D. Power 2025 Life Insurance Study
Pricing
Term rates below national average
Ownership
Mutual company, owned by policyholders
Retention
100% of surveyed customers plan to renew
- #1 J.D. Power 2025
- Fortune 500
Nationwide
- AM Best: A+
- Est. 1926
Scale
Fortune 100 company
Standout Benefit
Living benefit riders built in at no extra cost
Complaints
Low complaint volume, strong digital tools
Ownership
Mutual company, policyholders come first
- Built In Living Benefits
- Smooth Underwriting
National Life Group
- AM Best: A+
- Est. 1848
History
175+ years, one of the oldest in the country
IUL Ranking
#2 indexed universal life provider in the U.S.
Recognition
WSJ ranked #2 for best whole life insurance
Bonus
Living benefit riders included at no extra cost
- #2 IUL Provider
- Policyholder Owned
Protective
- AM Best: A+
- Est. 1907
Pricing
Among the most competitive premiums in the market
Term Length
Up to 40 years for younger families
Complaints
Very low NAIC complaint index
Backing
Owned by Dai-ichi Life, one of Asia's largest
- Very Competitive Rates
- Low Complaint Index
Principal
- AM Best: A+
- Est. 1879
Consistency
75 consecutive years rated A or better
Ethics
Ethisphere World's Most Ethical Companies
Underwriting
No exam required for coverage up to $5M
Scale
Fortune 500, tens of millions served
- Most Ethical Company
- No Exam Up to $5M
Pacific Life
- AM Best: A+
- Est. 1868
Ratings
Top marks from all 4 agencies: AM Best, S&P, Moody's, Fitch
History
150+ years in business
Products
Standout for guaranteed universal life and annuities
Stability
One of the strongest financial profiles in the industry
- Top Ratings All 4 Agencies
- Strong GUL Options
John Hancock
- AM Best: A+
- Est. 1862
Standout Program
Vitality rewards healthy living with premium savings
Backing
Owned by Manulife, a global financial leader
History
160+ years of service
Underwriting
Flexible on complex health histories
- Vitality Wellness Rewards
- Flexible Underwriting
