Best Final Expense Insurance Carriers for Agents in 2025
October 15, 2025 2:18:11 PM
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The secret to earning six figures in final expense sales isn’t just about how hard you work — it’s who you work with.
In 2025, independent agents have more carrier options than ever. That also means more noise, more trial and error, and more wasted time chasing contracts that may not even get you any sales.
Top producers don’t guess.
They align with carriers that make every application faster, every policy more profitable, and every client conversation smoother.
At Final Expense Brokerage (FEB), we’ve spent years tracking the carriers that actually help agents grow their business and succeed.
Our rankings below are based on what matters most in real life — not marketing hype.
We compared price competitiveness, underwriting leniency, policy limits, payout speed, agent experience, and client satisfaction to determine which final expense carriers will lead the market in 2025.
How We Chose the Best Final Expense Carriers
This isn’t a popularity contest. It’s a performance test.
We asked one simple question:
If you were building your business from scratch, which carriers would help you scale fastest and serve your clients best?
We measured:
Premium Competitiveness: Are the rates strong enough to win the quote war?
Underwriting Flexibility: Do they approve tough cases without endless back-and-forth?
Policy Maximums and Age Ranges: Can you help clients at any stage of life?
Digital Simplicity: How fast can you take a policy from quote to issued?
Agent Support and Payout Speed: Do they respect your time and pay you quickly?
Lead Co-Op Eligibility: Are they part of FEB’s exclusive lead program?
Financial Stability: Are your clients protected by a carrier built to last?
When the dust settled, these five stood above the rest.
Transamerica Premier Life – Best Overall Value for 2025
The difference between average and elite producers often comes down to time.
Transamerica remains one of the strongest carriers in the industry for speed and client satisfaction.
With instant decision underwriting that can approve clients in under 10 minutes, it allows agents to quote, apply, and get paid faster — without paper applications or waiting weeks for review.
That said, agents often report that Transamerica can be difficult to reach for service and contracting questions. It’s an ideal carrier for experienced producers who value efficiency and autonomy, while newer agents may benefit from brokerage-level support when writing this product.
Why agents like it:
Real-time underwriting decisions with minimal wait times
Clean, mobile-friendly e-app that supports telesales
Daily commission payouts for steady cash flow
Trusted brand that builds instant credibility with clients
Quick Stats:
Issue Ages: 18–85
Face Amounts: $1,000–$50,000
Riders: Accelerated Death, Nursing Home, Children’s
A.M. Best: A
American Amicable – Best for Agent Flexibility
If reliability had a name in final expense, it would be American Amicable.
This carrier has built its reputation on being agent-first, offering smooth e-apps, simple contracting, and first-day coverage for many hard-to-place conditions.
Why agents stay loyal:
Flexible underwriting and straightforward applications
Consistent, high commissions
No policy fees or tobacco question
Responsive underwriting support with real humans who answer
Quick Stats:
Issue Ages: 0–85
Face Amounts: Up to $50,000
A.M. Best: A-
Part of FEB’s Co-Op. Write, earn, and grow faster with subsidized leads.
Corebridge (AIG) – Best for Financial Strength and Product Variety
Corebridge (AIG) brings the strength and scale of AIG into the final expense space, combining brand trust with a diverse portfolio of solutions for seniors and families.
Their simplified issue whole life product offers affordable premiums, e-app capabilities, and reliable payouts, making it ideal for agents who want a big-name carrier with long-term dependability.
While some agents mention occasional delays in communication between departments, Corebridge’s stability, reputation, and multi-product potential make it a cornerstone carrier for sustainable business.
Why agents write Corebridge (AIG):
Backed by AIG’s financial power and global recognition
Simplified issue whole life with level premiums and quick e-apps
Great for cross-selling into term, IUL, annuities, & GI
Excellent long-term client trust factor
Quick Stats:
Issue Ages: 50–80
Face Amounts: $5,000–$35,000
A.M. Best: A+
Ideal for agents who value brand credibility, client retention, and scalable income potential.
CICA Life – Best for Personalized Service and Underwriting Support
CICA Life has earned a quiet but loyal following among agents who appreciate hands-on service and consistent underwriting communication.
While smaller in scale than some national brands, their responsiveness and one-on-one agent relationships make them stand out — especially for brokers who want to feel like more than a number.
Why agents choose CICA:
Direct access to underwriters and service staff
Competitive pricing with simplified issue options
Personal-level communication that’s rare in the industry
Solid financial backing and customer trust
Quick Stats:
Issue Ages: 0–85
Face Amounts: Up to $30,000
A.M. Best: A-
Perfect for agents who value strong relationships and consistent underwriting feedback.
United of Omaha – Best for Brand Trust and Stability
When your client recognizes the name, half your sale is already made.
United of Omaha combines brand trust with decades of reliable performance and predictable processing.
Why agents depend on it:
Household-name recognition creates instant credibility
Fast, predictable underwriting
Excellent agent portal and service team
Backed by Mutual of Omaha’s financial strength
Quick Stats:
Issue Ages: 45–85
Face Amounts: Up to $40,000
A.M. Best: A+
Clients feel secure, agents look professional, and retention stays strong. Qualifying carrier for FEB's Lead Co-Op.
Best for Clients vs. Best for Agents — 2025 Snapshot
| Carrier | Best for Agents | Best for Clients | FEB Lead Co-Op | A.M. Best |
|---|---|---|---|---|
| Transamerica Premier | Overall #1 | Overall #1 | Yes | A |
| American Amicable | #2 | #3 | Yes | A- |
| Corebridge (AIG) | #3 | #2 | No | A+ |
| CICA Life | #4 | #5 | No | A- |
| United of Omaha | #5 | #4 | Yes | A+ |
| GPM Life | #6 | #7 | Yes | A- |
| Liberty Bankers / Capitol Life | #7 | #6 | Yes | B++ |
| Others | — | — | — | — |
Evaluations are based on pricing, underwriting leniency, digital tools, commissions, and client satisfaction as of October 2025.
The FEB Advantage
You could represent dozens of carriers on your own, but why go it alone?
At Final Expense Brokerage, we help agents:
Access top-rated final expense carriers under one umbrella, all from the comfort of your home (remote)
Earn money toward leads through our Lead Co-Op Program
Receive real-time support for underwriting and contracting
Use free quoting tools and mobile apps to sell faster
Qualify for production bonuses and higher commissions
The agents who grow faster in 2025 won’t be the ones chasing leads with carrier products that don't convert. They’ll be the ones partnered with a support system that helps them scale, simplify, and sustain growth.
Let’s make sure that’s you.
Get Contracted with FEB Today or Join the Lead Co-Op
Final Thoughts
The best carriers make your business predictable, your income scalable, and your clients protected.
In 2025, agents who master the right mix of carriers, technology, and training will be the ones writing consistent $10,000–$15,000 months while others keep waiting on underwriting.
You don’t need to sell harder.
You just need to sell smarter — and with the right partners behind you.
At Final Expense Brokerage, we make that part easy.
Contract with confidence, sell with support, and grow with FEB.