Carrier Access for Every Client Need
Transcend provides access to a diversified portfolio of life, annuity, final expense, disability, retirement, and supplemental solutions. Carrier and product availability depends on state, licensing, appointment, suitability, production, and carrier approval.
Featured partners below — additional carriers available on request across every product line, subject to eligibility.
Carriers Your Clients Already Recognize
Plus 25+ additional carriers across final expense, term, IUL/GUL, and annuities — all under one contracting process.
Products You Can Help Place
A broad portfolio designed to support a range of client needs.
Term Life Insurance
Long-term coverage for mortgage protection and income replacement. Terms and coverage amounts vary by carrier and applicant.
Indexed Universal Life (IUL)
Permanent coverage with cash accumulation tied to an index. Tax treatment depends on structure and use.
Fixed Indexed Annuity (FIA)
Principal protection with market-linked growth options. Riders and terms vary by carrier.
MYGA — Fixed Annuities
Multi-year guaranteed annuities. Rates and availability change frequently and vary by state and carrier.
Final Expense / Burial
Simplified and guaranteed issue whole life for end-of-life costs. Ages and limits vary by carrier.
Guaranteed Issue Whole Life
No-exam, limited-questions coverage for clients who may not qualify elsewhere. Coverage limits apply.
Guaranteed Universal Life (GUL)
Permanent coverage with no-lapse guarantee features. Pricing and guarantees vary by carrier.
Disability Insurance
Income protection options. Features and definitions vary by carrier and occupation class.
Our Carrier Partners
Filter by product type to explore potential case strengths for your client conversation.
Showing 23 representative carriers. Additional carriers are available on request across every product line.
Carrier appointments, products, features, underwriting guidelines, ratings, compensation, and availability may change. AM Best ratings shown are for reference only and represent the carrier, not Transcend. Agents should confirm current information through approved carrier materials before making any recommendation.
When to Reach for Which Carrier
Field-informed starting points — subject to carrier guidelines, state availability, and suitability review.
Guaranteed issue — no exam, limited questions, ages 50–80. When impairment blocks other paths, this can be a starting point. Limits and terms apply.
Competitive term with long term-length options. A common starting point for 'protect the paycheck' conversations, subject to underwriting.
IUL and term under one carrier, with index cash-accumulation features. Lead with the index story once suitability is confirmed.
MYGA and FIA options with principal-protection features. Availability and rates vary by state and carrier.
Recognized FIA brands with income-rider options. Pair based on the client's income goals once suitability is reviewed.
GUL with no-lapse guarantee features. Estate attorneys often work with GUL; pricing and guarantees vary by carrier.
Flexible underwriting on a range of tough cases. A common second look — not a guarantee of approval.
Relationship-oriented service in Midwest markets. Some clients respond to service as much as product terms.
A widely recognized final expense name. Familiarity can support the conversation; product terms still drive the close.
Current Rates and Availability
MYGA and annuity rates change frequently and vary by carrier, term, state, premium amount, age, and suitability. We don't display static rates on this page because they go stale quickly. Contact us for current carrier availability and rates appropriate to your client and state.
Explore Available Carrier Appointments
Our team helps coordinate eligible carrier appointments based on your licensing, market, product needs, production, state availability, and carrier approval.
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Insurance products are issued by unaffiliated insurance carriers. Product availability, features, rates, underwriting, compensation, appointments, and eligibility vary by carrier, state, licensing, production, and individual circumstances. Transcend IMO supports independent insurance professionals and does not issue insurance products. Nothing on this website constitutes legal, tax, investment, underwriting, or individualized insurance advice.
Technology and AI tools are designed to support licensed insurance professionals — not replace professional judgment, carrier requirements, suitability review, supervision, legal advice, or compliance approval. AI-generated outputs should be reviewed before being used with clients or the public.
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