Our Carriers

This page is dedicated to our partners/carriers and includes more information about each company. If you would like to reach out about partnering click here.

United States Fire


Today, throughout the Heartland distribution network, annual sales surpass $100 million, making Heartland Financial Group one of America’s leading Senior Health/Life Insurance distributors.

With an eye focused on the future and a no-nonsense conservative approach, Heartland National Life looks forward to providing quality insurance products and unsurpassed service. We welcome the opportunity to earn your business.

Take a look at HNL’s Benefits:

  • Guarantee Issue from ages 64 1/2 to 65 1/2
  • 7% household discount
  • Dual applications
  • Issue ages 18 to 85
  • Choose from 3-31 days payable*
  • Customize the plan with additional riders**
  • Lump Sum Cancer
  • Dental, Vision and Hearing
  • Skilled Nursing Facilities
  • and Much More!


American Financial Security Life Insurance Company (“AFSLIC”) was organized in Missouri in January 1957, under the name of Survivor’s Benefit Insurance Company.

In 1981, the name was changed to Penn Diversified Insurance and Annuity Company, and in May 1989, changed to its current name of American Financial Security Life Insurance Company.

The company has been under current ownership since 2008, and now provides a broad range of insurance services in over 25 States.

Core offerings include Short Term Medical, Fixed Indemnity, Accident, Critical Illness and Medical Stop-Loss Insurance products, in both individual and group markets.

With corporate headquarters located in southern Florida, a regional office in New York City, and a nationwide network of distributors and agents, AFSLIC is able to meet and better serve the needs of our members throughout the country.

Through our plans, members receive health benefits customized to their insurance needs, becoming better equipped to meet the financial demands of ever-rising healthcare costs.

royal arcanum

The Royal Arcanum is the only surviving founding member of the American Fraternal Alliance (formerly the National Fraternal Congress of America), an organization representing 70 fraternal benefit societies and millions of fraternalists.

Founded with unselfish motives on the part of its creators, conducted upon sound business principles, and improved by an experience of over One Hundred and Thirty Five years, it has all the facilities for successfully promoting its objectives. Those objectives include:

Uniting fraternally all eligible male and female persons of sound bodily health and good moral standing, who are socially acceptable.

Giving moral and material aid within its power to its members and those dependent on them.

Teaching morality without religious distinction, patriotism without partisanship, and brotherhood without creed or class.

Educating the members socially, morally and intellectually.

Assisting the families of deceased members.

Establishing funds for the payment of Death Benefits, Educational Loans and Annuities.


Founded in 1965, Pekin Life Insurance Company is currently rated A- (Excellent) by A.M. Best. In this uncertain world, Pekin Insurance is able to still stand strong because of their foundation of values. We are people-focused. Pekin believes in building solid relationships. Only by taking a genuine interest, and remaining responsive and caring to our policyholders and agents, can we stay strong … and grow.

Take a look at Pekin’s Benefits:

  • Pekin benefits will go here
Preferred Whole Life

  • Accelerated Death Benefit Rider
  • Accidental Death Benefit
  • LTC Rider
  • Children’s Term Rider
  • Guaranteed Insurability Rider
  • Waiver of Premium Rider
Term to Age 95

  • Accelerated Death Benefit Rider
  • Accidental Death Benefit
  • Children’s Term Rider
  • Waiver of Premium Rider
Transitional Life

  • Accelerated Death Benefit Rider
  • Accidental Death Benefit
  • Children’s Term Rider
  • Waiver of Premium Rider
  • Waiver of Premium Rider

Mutual of omaha

Mutual of Omaha is a Fortune 500 mutual insurance and financial services company based in Omaha, Nebraska. Founded in 1909 as Mutual Benefit Health & Accident Association, Mutual of Omaha is a multi-line organization providing insurance, banking, and financial products for individuals, businesses and groups throughout the United States.

Take a look at Mutual of Omaha’s Benefits:

  • Take your coverage coast to coast
  • Your coverage renews as long as you pay the premiums on time and make no material misrepresentations on the application
  • No provider, No referrals
  • 12% Household Premium Discount Available. You may be eligible for our household premium discount.
  • Low out-of-pocket costs


Aetna offers a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities and health care management services for Medicaid plans.


Pan-American Life has delivered reliable, flexible and quality products based on our deep knowledge and understanding of both the U.S. and Latin American markets in which we do business.

Take a look at Pan-American’s Benefits:

  • Great Competitive Rates
  • 100 years of experience in the Health Insurance industry
  • “A” (Excellent) rating from A.M.Best
  • 12% Household Discount Available in most states
  • Agents -all state appointment fees waived.


For over 30 years, Humana has been developing and expanding Medicare Advantage options to meet the evolving needs of their members. In 2019, more than 8.4 million current and newly enrolled Humana plan members have chosen us to be their partner in health.


The roots of the Americo family of companies date back more than 100 years. Our growth has been built on the successful acquisition of several insurance entities… Americo Financial Life and Annuity Insurance Company (formerly known as The College Life Insurance Company of America, founded in 1946); The Ohio State Life Insurance Company, founded in 1906; and Great Southern Life Insurance Company, founded in 1909. We have a long history of innovation.

Take a look at Americo Benefits:

  • Exceptional Incentives
  • Rated “A” (Excellent) by AM BEST
  • Excellent Rates, Plans F, G, and N
  • e-application offering Instant Underwriting Decision


Cigna Corporation is a global health service company dedicated to improving the health, well-being, and peace of mind of those we serve.

Cigna delivers choice, predictability, affordability and access to quality care through connected, personalized solutions that advance whole person health, both in body and mind.

With more than 170 million customer and patient relationships in more than 30 countries and jurisdictions, Cigna is able to harness actionable insights that drive better health care results.


Puritan Life is dedicated to helping folks with their financial future from ensuring they are ready for retirement to helping take care of their loved ones through estate planning. Puritan Life focuses on using insurance and financial products for income planning and wealth transfer.


CSO is a mutually owned insurance company based in Omaha, Nebraska employing a team of dedicated individuals focused on the needs of the company’s client institutions, agents, customers and policyholders. CSO conducts business in every state (except New York), as well as Guam and Saipan. The company strives to be the provider of choice in the markets they serve with its motto, “To Care is To Grow” the guiding philosophy behind how business is done.


Union Security Insurance Company (USIC) is a national provider of Medicare Supplement insurance solutions that help customers manage and budget for their health care needs. Coverage that fits your life. Take the steps to ensure your medical needs don’t impact your financial future.


At Lumico we are out to solve two big problems – that people don’t have enough life and supplemental health insurance and that they find purchasing these products confusing.

We are committed to providing you with the products that you need at affordable prices and with an easier process. More than 75% of Lumico consumers say that their experience buying life insurance from Lumico was better than they expected.** We aim not only to exceed your expectations but to leave you feeling confident and clear in your choice.

Lumico – insurance made clear.

US Fire

With a proud history going back to 1822, Crum & Forster provides specialty and standard commercial lines insurance products through our admitted and surplus lines insurance companies. Our vision is to create a culture of community, fairness and dedication to those we serve, including shareholders, employees, policyholders, producers, local communities and charities.


Atlantic Coast Life Insurance Company is a premier provider of life insurance and annuity products for families throughout the nation. We have flexible and competitive products that are able to meet the changing needs of our clients. Additionally, we listen to each individual, priding ourselves on staying attuned to the needs of our clients and providing choices that best fit their unique situations.

This honest and refreshing approach to business is what has made Atlantic Coast Life a driving and respected force in the Southeast since 1925 and the reason for our success and continued growth throughout the country.


ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your retirement years.

united american

United American has been a prominent Medicare Supplement insurance provider since Medicare began in 1966. Additionally, we’ve been a long-standing participant in the task forces working on Medicare Supplement insurance policy recommendations for the National Association of Insurance Commissioners.

shenandoah life

From providing protection for your family to covering unexpected health costs and meeting your retirement goals, we’re grounded in giving you what you need to plan with confidence and protect what matters most.


Retirement planning can be difficult and confusing, often making you feel left in the dark to find the right path. Seeing this need, Sentinel has worked to light the way to greater financial security for individuals and families since 1948. Whether your needs lie with Final Expense, Medicare Supplement, Hospital Indemnity or Annuities, Sentinel can help you find a way to protect yourself and those you care about most.
We invite you to explore our new website and discover how Sentinel can help you achieve peace of mind. Welcome to Sentinel Security Life.


Prosperity Life GroupSM is a marketing name for products and services provided by one or more of the member companies of Prosperity Life Insurance Group, LLC, including SBLI USA Life Insurance Company, Inc., S. USA Life Insurance Company, Inc., and Shenandoah Life Insurance Company.

national general

We’ve helped more than 350,000 people find health insurance — and more are joining the National General family each day.

For over 75 years, National General Insurance has been helping people protect their health, homes, and vehicles. We’ve been a valued and reliable partner, providing protection for the unexpected bumps along the road of life.


american national

We believe in providing coverage options that are right for you, not everyone else. We have a clear purpose, values instilled in our company and a long, rich history that can offer our clients longevity, stability and a sense of security.

liberty bankers

For over 60 years, we’ve made sure our policyholders are taken care of with our service-first approach. Our focus is relationships – taking care of the people we employ and serve is what we do best and care about most.

southern life

Since its founding in 1909, Great Southern Life Insurance Company (GSL) has responded to the ever changing marketplace by continuously offering new and innovative insurance services. Today, GSL is a member of the Americo Life, Inc. family of insurance companies, where first class service continues to be of paramount importance.


We help individuals, families and employers through challenging times. Our policies pay cash benefits for covered accidents and illnesses — to help you out with your everyday costs while you get back on your feet.

capitol life

Medicare Supplement insurance from Capitol Life Insurance Company can help supplement Original Medicare. It helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles).

bankers fidelity

Bankers Fidelity’s® Medicare Supplement insurance plans are setting the standard in senior protection. We recognize that navigating your options for critical health care decisions can be confusing and complicated—but, it doesn’t have to be. We take the time to understand your needs and concerns and clarify your options so you can live your best life knowing you’ve got the right coverage.

gpm health

GPM Health and Life is committed to helping individuals and families find the right coverage. We believe in helping you reach your life goals by providing quality products, sound advice, helpful customer service, and working with you to understand your unique needs.

Why Choose Us?

We partner with some of the most well respected carriers in the industry. We value the relationship we have with our partners.

HFG is a full service marketing organization and has been operating in the senior market for over 30 years. With HFG’s expertise in Medicare Supplement product development, FMOs, agencies, and independent agents across the country can count on us for the highest level of customer service and efficiency with our product lines. Because of our recent progressions in technology and innovation, HFG also has a dedicated vision for call centers operating in several states. Call us now and get started with a leader in the business!

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