Our Carriers

Columbian Financial Group

The Columbian Financial Group of companies includes our parent company, Columbian Mutual Life Insurance Company, along with Columbian Life Insurance Company, Columbian Financial Services Corporation, New Vision Service Corporation of New York and other affiliated companies within our corporate family. We conduct operations from our administrative corporate offices located in Binghamton, New York.

For over 130 years, Columbian Mutual has been providing value through quality, affordable life insurance protection:

  • protection through consumer-oriented products that are designed for family and business life insurance needs
  • protection through financial stability
  • protection through prompt, accurate and friendly service to our policyholders

We design our products with you in mind. From our Company’s beginning, we have had a commitment to providing value to our policyholders. We strive to meet the everyday, as well as the long-term needs of our clients and those close to them. Your Columbian agent can help you accomplish your goals by designing coverage that suits your specific needs.

Columbian also offers you supportive customer service. We understand that when you call, you need answers to your questions. Our knowledgeable staff is prepared to offer you the assistance you need at the time you need it. Our objective is client satisfaction.

You have over a century of experience behind you when you choose Columbian.

American-Amicable Life Insurance Company

Tracing its roots back to 1910, American-Amicable Life Insurance Company of Texas is a progressive special markets insurer. The Company offers innovative life insurance and annuity products developed to target the individual needs of protection, wealth creation and estate preservation.

The Company continues to grow and prosper and has consistently maintained a solid financial position. American-Amicable Life Insurance Company of Texas is a part of the American-Amicable Group, which was acquired by Industrial Alliance Insurance and Financial Services, Inc. in 2010.

A Excellent, the third highest rating out of 15 categories, was assigned by A.M. Best to American-Amicable Life insurance Company of Texas on February 13, 2015.

Mutual of Omaha / United of Omaha

United of Omaha Life Insurance Company was founded in 1926 and offers a diversified portfolio of life insurance, fixed annuities, and other insurance and financial services products through Mutual of Omaha’s agency sales force, group sales offices and independent agent networks. It is licensed nationwide except for New York.

For more than a century –through recessions and a Great Depression, through two World Wars, through the Roaring ’20s, Pschedelic ’60s, and Go-Go ’80s — Mutual of Omaha Insurance Company has been there to keep our promises to our customers. That will not change. Today, Mutual of Omaha is strong, stable, secure, and ready to meet your insurance and financial needs.

Mutual of Omaha Insurance Company and United of Omaha Life Insurance Company have earned strong ratings from three major rating services: A.M. Best, Moody’s and Stand & Poor’s.


Foresters is not your traditional life insurance provider. We are not driven by the demands of outside investors. Instead, we are a membership-based fraternal benefits organization. We invest in our members, their families and their communities.

What does this mean for you?

At Foresters, you are part of an organization that offers you and your family an opportunity to live for today, plan for tomorrow and make a difference along the way—through affordable life insurance and financial products, unique member benefits like scholarships and legal counseling, and inspiring community activities.

With over one million members across the United States, Canada and the United Kingdom, and a rich 135-year history, Foresters is founded on championing the well-being of families. Our stability and financial strength ensure that we can deliver the lifestyle protection, innovative benefits and community support that serve our families and their neighborhoods. It’s all about putting you first.

United Home Life / United Farm Family Life

United Home Life Insurance Company and its parent company, United Farm Family Life Insurance Company, are family-oriented companies founded in 1948 and 1937, respectively. Both companies were founded with a philosophy of providing quality, personal service to our policyholders and agents. We’re here to serve you.
Our primary focus is providing affordable, flexible life insurance solutions for our policy holders. Our ultimate pledge is to meet our financial obligations to our policy holders.

A.M. Best, a leading independent analyst of the insurance industry since 1899, has assigned the financial strength rating of A- (Excellent) to United Home Life and the financial strength rating of A (Excellent) to United Farm Family Life. The A- (Excellent) rating is the fourth highest of 16 ratings and the A (Excellent) rating is the third highest of 16 ratings.


At Transamerica, we believe that everybody deserves to feel confident and secure in their tomorrow. That’s why we offer smart financial tools and products to help make it easier to build a future you can count on. We’re much more than an insurance or financial services company — we’re your partner in tomorrow.

Performance you can count on today. Transamerica’s insurance companies have received high ratings from the industry’s most respected independent rating services ‐ A.M. Best Company, Fitch Ratings, Moody’s Investors Service and S&P Global Rating Services. As a measurement of our financial strength and performance, these ratings are a direct reflection of the care with which we manage our business.

A.M. Best: A+ is 2nd highest of 16 ratings (as of June 24, 2016)
Fitch: A+ is 5th highest of 19 ratings (as of September 26, 2016)
Moody’s: A1 is 5th highest of 21 ratings (as of May 27, 2016)
S&P Global: AA‐ is 4th highest of 21 ratings (as of May 12, 2016)

Assurant Solutions / American Memorial Life

Assurant Solutions is a part of Assurant, a premier provider of specialized insurance products and related services in North America and selected other markets. Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has over $25 billion in assets and $8 billion in annual revenue.

American Memorial Life Insurance Company (AML) is a legal entity of Assurant Solutions located in Rapid City, SD. AML is licensed in 49 states and rated “A-” (Excellent) by the A.M. Best Company, a leading provider of insurance ratings. Assurant Solutions is partnered with the largest funeral home organization in North America, Service Corporation International (SCI).

Gerber Life Insurance Company

As a financially separate affiliate of the Gerber Products Company, “the baby food people,” our two companies share a common goal: to help parents raise happy, healthy children.

At Gerber Life Insurance, we have an additional goal. It is our mission to be the brand that parents trust to help them achieve financial security and protection for their families. By providing affordable, industry-leading child life insurance plans in addition to other adult life insurance policies, we strive to give our customers the comfort and peace of mind they deserve.

Today, Gerber Life Insurance is licensed to provide life insurance throughout the United States, Canada and Puerto Rico. We have more than $45 billion of life insurance in force and help provide financial security through over 3.3 million policies. Gerber Life has insurance products available for people at every age and every stage of life.

In May 2016, A.M. Best—the impartial reporting firm that rates insurance companies on financial stability, management and integrity has awarded Gerber Life an “A” (Excellent) rating.


Kemper Corporation brings a high level of personalized service to their customers. Here are a few things you should know about us:

  • Our focus is on meeting the needs of our policyholders. With our finger on the pulse of the ever-changing healthcare industry we continue to develop new and innovative solutions for our clients’ needs.
  • More than 6 million policyholders have their basic insurance and financial needs met by our nationwide network of career and independent agents.
  • With over $8 billion in assets, we employ over 6,500 associates.
  • We are led by a seasoned management team that values ethical behavior and no-nonsense business results.

Reserve National Insurance Company is a Kemper Life and Health company.

Financial Rating – Reserve National Insurance Company has held a prestigious “A-Excellent” rating for our overall financial stability, by A.M. Best Company, one of the leading insurance rating companies in the country.

National Life Group / Life of the Southwest

Established in 1955, Life Insurance Company of the Southwest (LSW) based in Addison, Texas is a wholly-owned subsidiary of National Life Insurance Company and recognized as an industry leader in annuity and life insurance products. LSW offers single premium and flexible premium annuities in versions designed for both the qualified and non-qualified markets. The company is a leading writer of indexed annuities, one of the most dynamic and innovative insurance products in many years. In addition to its annuity products, LSW also offers universal life, indexed universal life and term insurance. A hallmark of LSW’s life products are their living benefits, including terminal, chronic, and critical illness riders.* Frequently referred to as “life insurance you do not have to die to use,” LSW’s combination of sound life insurance products and comprehensive riders can help provide financial security to individuals, families, and business owners.

National Life Group, a Fortune 1000 company, serves 799,000 customers. With 2012 revenue of $1.7 billion and net income of $124 million, members of National Life Group employ roughly 900 employees, with most located at its home office in Montpelier, Vermont. Group companies also maintain offices in Addison, New York, and San Francisco.

The Group is made up of its flagship company, National Life Insurance Company, founded in Montpelier, Vermont in 1848; Life Insurance Company of the Southwest, founded in 1955, Addison, Texas, and Sentinel Investments and Equity Services, Inc., all based in Montpelier.

Aetna / American Continental

American Continental Insurance Company (ACI), along with CLI, is headquartered in the Nashville, Tennessee area. ACI was established in 2005 on a solid foundation of experience in the health/life insurance industry and senior market – from Continental Life Insurance Company of Brentwood, Tennessee. ACI became an Aetna Company in 2011. ACI is rated “A” (Excellent) by A.M. Best Company (as of June 12, 2015).

Our supplement insurance and other health and life insurance products are now sold by over 30,000 licensed agents nationwide. Our commitment will always be to provide the best plan of protection possible at an affordable premium, as well as, provide unsurpassed claims payment and customer service for policyholders and agents.