BDLife212, LLC has in excess of fifty life insurance carriers available, some of which are listed here. 

Our mission is to understand your preferences and align your client’s need with the best financial solution – product design – premium strategy – and ultimately, specific product and carrier selection. The best financial solutions are a result of selective product design, experience in advanced markets and effective underwriting.

These Product Guides are designed to provide you with easy, instant access to product details and features such as minimums, age requirements and riders.

Life Insurance Rating Agencies
Term
Whole Life
Universal Life
First-To-Die
First-To-Die
Second-To-Die
Indexed Universal Life
Variable Life
Life Insurance Rating Agencies

A.M. Best Ratings

  • A+/Superior: insurer has superior ability to meet obligations
  • A/Excellent: insurer has excellent ability to meet obligations
  • B+/Good: insurer has good ability to meet obligations
  • B/Fair: insurer has fair ability to meet obligations and is vulnerable
  • C+/Marginal: insurer has marginal ability to meet obligations and is vulnerable
  • C/Weak: insurer has weak ability to meet obligations and is very vulnerable
  • D/Poor: insurer has poor ability to meet obligations and is extremely vulnerable

Moodys Ratings

  • Aaa, Aa, A: Highest quality to Upper-medium grade and are subject to low level of credit risk.
  • Baa: Medium-grade and subject to moderate credit risk and as such may possess certain speculative characteristics.
  • Ba: Speculative and are subject to substantial credit risk.
  • B: Speculative and are subject to high credit risk.
  • Caa: Speculative of poor standing and are subject to very high credit risk.
  • Ca: Highly speculative and are likely in, or very near, default, with some prospect of recovery of principal and interest.
  • C: Are typically in default, with little prospect for recovery of principal or interest

Standard & Poor’s

  • AAA, AA+, AA, AA-: Very High Capacity to Repay Loans
  • A+, A, and A- : Strong Capacity to Repay Loans
  • BBB+, BBB, BBB-: Adequate Capacity to Repay Loans
  • BB+, BB, BB-: Less Vulnerable Speculative Grade Bonds
  • B+, B, B-: More Vulnerable Speculative Grade Bonds
  • CCC, CC, C: Currently Vulnerable Speculative Grade Bonds
  • D: Default

Fitch

  • AAA, AA+, AA, AA-: Very High Capacity to Repay Loans
  • BBB, BBB BB: Adequate Capacity to Speculative to Repay Loans
  • BB+, BB, BB-:Less Vulnerable Speculative to Repay Loans
  • CCC, CC, C: Currently Vulnerable and near default
  • D: Default

Term

Carrier Name of Product Issue Ages Minimum Face Amount Riders Carrier Ratings
Transamerica Trendsetter LB
(includes living benefits)
10 Yr Term: 18-80
15 Yr Term: 18-78
20 Yr Term: 18-70
25 Yr Term: 18-65
30 Yr Term: 18-58
$25,000 Chronic Illness Accelerated Death Benefits
Critical Illness Accelerated Death Benefits
Terminal Illness Accelerated Death Benefits
Waiver of Premium
Children’s Insurance
Accidental Indemnity
Monthly Disability Income
AM Best A+
S&P AA-
Moodys A1
Transamerica Super Series 10 Yr Term: 18-80
15 Yr Term: 18-78
20 Yr Term: 18-70
25 Yr Term: 18-65
30 Yr Term: 18-58
$25,000 Income Protection Option
Accelerated Death Benefit
Waiver of Premium Rider
Accident Indemnity Rider
Children’s Insurance Rider
AM Best A+
S&P AA-
Moodys A1
Symetra Level Term 10 Yr Term: 15-75
15 Yr Term: 15-70
20 Yr Term: 15-65
30 Yr Term: 15-50
$250,000 Terminal Illness Accelerated Death Benefit
Children’s Protection Rider
Waiver of Premium Benefit for Disability
Accidental Death Benefit
Guaranteed Insurability Option
Additional Term Rider
AM Best A
S&P A
Moodys A1
Prudential Term Elite 10 Yr Term: 18-75
15 Yr Term: 18-70
20 Yr Term: 18-65
30 Yr Term: 18-50
$100,000 Waiver of Premium
Living Needs Benefit
Children’s Protection Rider
Accidental Death Benefit
AM Best A+
S&P AA-
Moodys A1
Prudential Term Essential 10 Yr Term: 18-75
15 Yr Term: 18-70
20 Yr Term: 18-65
30 Yr Term: 18-55
$100,000 Waiver of Premium
Living Needs Benefit
Children’s Protection Rider
Accidental Death Benefit
AM Best A+
S&P AA-
Moodys A1
Protective Survivorship
(Based on Joint Equal Age)
10 Year: 50 – 75
20 Year: 40 – 65
30 Year: 25 – 50
$250,000 Terminal Illness Accelerated Death Benefit
Split Option Endorsement
AM Best A+
S&P AA-
Moodys A1
Protective Protective
Custom Choice UL
10 Yr Term: 18-70
15 Yr Term: 18-70
20 Yr Term: 18-65
25 Yr Term: 18-55
30 Yr Term: 18-55
$100,000 Accidental Death Benefit Rider
Children’s Term Rider
Disability Benefit Rider
Income Provider Option
Terminal Illness/Accelerated Death Benefit
AM Best A+
S&P AA-
Moodys A1
Protective Protective
Classic Choice
10 Yr Term: 18-70
15 Yr Term: 18-70
20 Yr Term: 18-65
25 Yr Term: 18-55
30 Yr Term: 18-52
$100,000 Accidental Death Benefit Rider
Children’s Term Rider
Income Provider Option
Terminal Illness/Accelerated Death Benefit
Waiver of Premium Rider
AM Best A+
S&P AA-
Moodys A1
Principal Term Life 10 Yr Term: 20-75
15 Yr Term: 20-70
20 Yr Term: 20-65
30 Yr Term: 20-55
$200,000 Accelerated Benefits Rider
Aviation Exclusion
Children Term Insurance
Hazardous Sports Exclusion
Waiver of Premium Rider
AM Best A+
S&P A+
Moodys A1
Pacific Life Promise 10 Yr Term: 18-80
15 Yr Term: 18-75
20 Yr Term: 18-65
25 Yr Term: 18-60
30 Yr Term: 18-55
$50,000 Accelerated Death Benefit Rider
Children’s Level Term Insurance Rider
Waiver of Premium Rider
A.M. Best A+
S&P AA-
Moodys A1
North American ADDvantage 10 Yr Term: 18-75
15 Yr Term: 18-70
20 Yr Term: 18-65
30 Yr Term: 18-55
$100,000 Children’s Term Insurance
Waiver of Term Premium -Disability Rider
Accelerated Death Benefit – Terminal Illness
A.M. Best A+
S&P A+
Nationwide YourLife Guaranteed Level 10 Yr Term: 18-70
15 Yr Term: 18-65
20 Yr Term: 18-65
30 Yr Term: 18-50 (males)
30 Yr Term: 19-55 (females)
$100,000 Children’s Term Insurance
Spouse Rider
Waiver of Premium Disability
Accelerated Death Benefit
AM Best A+
S&P A+
Moodys A1
Mutual of Omaha Term Life
Express
(No Exam Required, no conversion options available)
15 Yr Term: 18-65
20 Yr Term: 18-60
30 Yr Term: 18-50
$25,000 Accelerated Benefit Rider
Children’s Level Term Insurance Rider
Waiver of Premium Rider
AM Best A+
S&P AA-
Moodys A1
Minnesota Life
(Securian)
Advantage Elite 5 Yr Term: 16-60
10 Yr Term: 16-80
15 Yr Term: 16-70
20 Yr Term: 16-65
30 Yr Term: 16-50
$50000 ? (10 & 20 yr)
$100000 (515 & 30 yr)
Accelerated Benefit Rider
– Terminal Illness
– Critical Illness
– Chronic Illness
Children’s Term Rider
Disability Waiver of Premium Rider
A.M. Best A+
S&P AA-
Moodys Aa3
Mutual of Omaha Term Life Answers 10 Yr Term: 18-80
15 Yr Term: 18-74
20 Yr Term: 18-68
30 Yr Term: 18-55
$100,000 Accelerated Death Benefit
Waiver of Premium
Term Rider
Children’s Rider
AM Best A+
S&P AA-
Moodys A1
Lincoln Financial TermAccel 15 Yr Term: 18-50
20 Yr Term: 18-50
30 Yr Term: 18-50
$100,000 Accidental Death Benefit
Child Rider
Terminal Illness Rider
Waiver of Premium
AM Best A+
S&P AA-
Moodys A1
Banner OPTerm 10 Yr Term: 20-75
15 Yr Term: 20-75
20 Yr Term: 20-70
25 Yr Term: 20-60
30 Yr Term: 20-55
$100,000 Accelerated Death Benefit
Waiver of Premium
Term Rider
Children’s Rider
A.M. Best A+
S&P AA-
Columbus Nautical 10 Yr Term: 18-75
15 Yr Term: 18-70
20 Yr Term: 18-65
30 Yr Term: 18-50
$150000: 10 yr term
$100000: 15, 20 & 30 yr term
Accelerated Benefit Rider
Accidental Death Benefit Rider
Children’s Level Term Insurance Rider
Other Insured Term Rider
Waiver of Premium Rider
AM Best A+
S&P AA-
Moodys Aa3
Lincoln Financial Life Elements 10 Yr Term: 18-80
15 Yr Term: 18-75
20 Yr Term: 18-70
30 Yr Term: 18-5
$250,000 Accelerated Benefit Rider
Children’s Level Term Insurance Rider
Waiver of Premium Rider
AM Best A+
S&P AA-
Moodys A1
American National Signature Term 1 Yr Term: 18-65
10 Yr Term: 18-70
15 Yr Term: 18-65
20 Yr Term: 18-60
30 Yr Term: 18-50
$50,000 Accelerated Benefit Rider
– Terminal Illness
– Critical Illness
– Chronic Illness
Children’s Term Rider
Disability Waiver of Premium Rider
AM Best A
S&P A
American General Select A Term 10 Yr Term: 20-80
15 Yr Term: 20-7520
Yr Term: 20-70
25 Yr Term: 20-63
30 Yr Term: 20-55
$50,000 Accidental Death Benefit
Child Rider
Terminal Illness Rider
Waiver of Premium
A.M. Best A
S&P A+
Moodys A2″

Whole Life

Description Comming Soon!

Universal Life

Description Comming Soon!

First-To-Die

Description Comming Soon!

First-To-Die

Description Comming Soon!

Second-To-Die

Description Comming Soon!

Indexed Universal Life

Description Comming Soon!

Variable Life

Description Comming Soon!