40+ carriers.
One standard: A-rated.
Checkmate is independent. No carrier owns us, so no carrier’s product gets forced on you. A licensed agent compares the market and shows you what fits.
Names you know. Ratings we checked.
A sample of our carrier lineup. Product and carrier availability varies by state; your agent will only present options available where you live.
What A-rated actually means.
AM Best is the rating agency that grades insurance companies on one thing: claims-paying ability. The rating measures whether a carrier’s balance sheet is strong enough to keep the promises it has written.
That matters here more than almost anywhere. A life insurance policy is a decades-long promise. The company you choose today has to be there when your family needs it, which could be 30 or 40 years from now. So every carrier on our shelf meets the same bar: rated A or higher by AM Best.
And when a policy has to do its job, the issuing carrier reviews, decides, and pays the claim under the policy’s terms. We stay on the claim with your family the whole way. See how claims work.
Why independent beats captive.
A captive agent has one shelf
A captive agent represents a single company and can only sell that company’s products. Whatever your health, budget, or goals, the answer is always the same brand.
We compare the market
Checkmate agents are independent. We put your profile against 40+ A-rated carriers and bring you the ones that fit, in English, Spanish, or Portuguese.
Comparing costs nothing extra
Premiums are state-filed rates. A carrier’s price is the same whether one agent shows it to you or forty, so shopping the market adds options, not cost. There is no fee for quotes.
Behind every carrier, your state.
Strong ratings come first, but they are not the only layer. Every state runs a guaranty association that backstops policies up to state limits if a carrier fails. Limits and rules vary by state; ask your agent or your state insurance department how it applies where you live.
And before any of that: every state provides a free-look period, typically 10 to 30 days, when you can cancel a new policy for a refund of premium. Your policy documents state the exact window.
Four checks before a carrier makes the wall.
- Financial strength: rated A or higher by AM Best
- Claims reputation: how the carrier treats families at the moment that matters
- Product breadth: term, whole life, IUL, final expense, and annuities across the shelf
- Underwriting fit: real appetite for real health histories, not just perfect applicants
Coverage is subject to underwriting approval. Carriers issue policies and set rates; a licensed agent will confirm what is available in your state.
40+ carriers. One conversation.
A licensed agent compares the market and walks you through the fits. No fee, no obligation. (833) 997-6934 · M–F, 9am–8pm ET.