NonCaptiveLife
The Smarter Way to Get Life & Annuities
Independently State Licensed Agents.
Appointed Under
The Authority of Your State Department of Insurance.
Partnered
A+ Rated
Life & Annuity Providers Nationwide.
Compare Carriers
To find you the best rate.
Carrier Hall of Excellence
America’s most trusted independent Life and Annuity providers.
Life Insurance vs. Annuity Investment Policy
Understand the difference between protecting your family and protecting your income — both designed to give you financial peace of mind.
Independent Trust Index
Every carrier we represent meets the highest financial and client-service standards.
How NonCaptiveLife Works
Compare
We scan all A+ non-captive independent carriers to find you the best rate within your needs, budget & health.
Customize
Choose the coverage that you need, not what an agent who can only offer you a single product within a single insurance provider thinks you need.
Covered
E-applications and transparent updates until your policy is in force through our client portal.
Real Stories. Real Protection.
Clients choose NonCaptiveLife for clarity, savings, and confidence.
“NonCaptiveLife found me a plan that saved me over $70 monthly on my life insurance premium and explained everything clearly.”
— Maria K., Michigan
A Century of Protection. Modernized for Today.
Our partner carriers have protected families for generations. We bring that strength into a modern, independent experience.
National Life Group founded — among the first to issue modern life insurance in America.
Pacific Life begins, now recognized for strength in life and annuity solutions.
Mutual of Omaha starts serving families with community-first values.
NonCaptiveLife makes independent insurance digital — empowering clients nationwide.
Our Mission Is Simple
Find Americans the most affordable policy rate based on your needs across all
A+ Rated
Life & Annuity Providers
in the United States.
Tailored specifically to your current Age, Health, & Lifestyle.
Our agents work for your needs, not for the insurance carriers needs.
That means:
- no bias
- no markups
- no one-size-fits-all rate
We give you the best value you actually qualify for.
Life & Annuity Providers
CAPTIVE INSURER
- One Company Product Menu
- One Health Tier (Policy Rate)
- One Uniform Policy Rate Across All Individuals
- Results in Higher Premiums
NON-CAPTIVE INSURER
- Multiple Carriers Compared for Your Needs
- 3 Health Tiers (Policy Rate)
- HIPAA + MIB Protected
- Tailored Pricing Based on Health & Lifestyle
- Results in Lower Premiums