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Learn the lane, not every rule. Use this page to understand what each of Just Serve's most-used carriers is generally used for, recognize the main products, and know what to verify before presenting a case.

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This is a training and reference guide—not an underwriting promise. Product availability, issue ages, face amounts, health questions, rates, riders, benefit classes, state approvals, and application paths change. Always confirm the current product in the agent portal and use the current carrier materials before quoting or submitting.

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If You Have a Client Right Now

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Before asking “which carrier?”, collect the basics: state, age, coverage need, budget, tobacco use, major diagnoses, medications, recent/pending tests, and existing coverage/replacement details. Then use the carrier lanes below. If the fit is still unclear, bring the complete facts to Discord instead of guessing.

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How to Use This Page

  1. Start with the client's actual need in the table below.
  2. Open only the carrier sections that reasonably fit that need and the client's health/budget.
  3. Confirm the current product, underwriting, state availability, and application path before presenting or submitting.

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You are not expected to memorize this page. Learn what each carrier is generally good for, then use the live carrier materials and the team underwriting process for the actual case.

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Start Here: Which Carrier Lane Am I In?

Client's primary need Good carriers to investigate What matters most
Final expense / burial coverage Americo, American Amicable, Mutual of Omaha, Aetna/Accendo, Foresters, Corebridge, Fidelity Life through Instabrain, Combined/Chubb Immediate vs. graded/modified benefit, health questions, medications, build, issue age, face amount, and affordability
Mortgage or income protection Americo, American Amicable, Corebridge, Mutual of Omaha, Foresters, Transamerica, Fidelity Life through Instabrain Coverage amount, term length, conversion, riders, underwriting class, and whether the coverage lasts as long as the need
Permanent family protection Americo, American Amicable, Mutual of Omaha, Foresters, NLG, Transamerica, Corebridge Guarantees, premium design, cash value, policy charges, loans, and lapse risk
IUL / accumulation-focused planning NLG, Corebridge, Mutual of Omaha, Transamerica, Americo Advanced training, needs analysis, approved illustration, funding design, charges, nonguaranteed values, loans, and lapse risk
Client has significant health concerns Start with the current team underwriting process; possible graded, modified, guaranteed-issue, or accidental-death options may exist Do not guess, hide information, or submit multiple applications just to test carriers
Supplemental accident, cancer, critical illness, or disability need Combined/Chubb Benefits Confirm the product and channel; supplemental coverage is not a substitute for life insurance

The Five Things to Learn for Every Product

Before presenting any product, know:

  1. Purpose — What client problem does it solve?
  2. Coverage structure — Term, whole life, universal life, IUL, guaranteed issue, or supplemental coverage?
  3. Benefit timing — Is the full natural-death benefit available immediately, or is there a graded/modified period?
  4. Underwriting — What health, medication, build, tobacco, age, and eligibility rules matter?
  5. Application outcome — Is the decision instant, referred, subject to an interview/records, or followed by additional requirements?

Carrier Quick Reference