16+ Premier Carriers. One Dedicated Specialist.
Instead of being locked into a single insurer's rate sheet, Sarah Owens (NPN #22361652) shops across 16+ top-rated insurance and financial companies to match your health profile, family goals, and retirement timeline.
Direct 1-on-1 guidance with Sarah Owens • No call centers • No high-pressure sales
Sarah Owens
Independent Insurance Specialist • NPN #22361652
NIPR Verified • 16+ Top-Rated Carriers
"Personalized solutions, trusted carriers, and peace of mind for your future—built by comparing 16+ top-rated insurers side-by-side."
All 16 Flagship Insurance & Financial Companies
Every carrier below is part of Sarah Owens' active independent panel—giving your family direct access to institutional-grade annuities, living-benefit life insurance, simplified final expense, supplemental cash benefits, and senior coverage.
F&G Annuities & Life
Fixed Indexed Annuities & IUL
Foresters Financial
Mortgage Protection, Term & Whole Life
Athene
Retirement Income & Indexed Annuities
Transamerica
Term, Whole Life, Final Expense & IUL
American-Amicable
Family Term, Mortgage & Whole Life
Corebridge Financial
Life Insurance, Final Expense & Annuities
Ethos
Fast No-Exam Term & Whole Life
Aflac
Supplemental Health, Accident & Critical Illness
Ladder
Instant Flexible Term Life Protection
TruStage
Simplified Issue Term & Whole Life
Aetna
Medicare Supplement, Senior Life & Health
National Life Group
Living Benefits Life, IUL & Annuities
Americo
Mortgage Protection, Final Expense & IUL
Mutual of Omaha
Living Promise Final Expense, Term, LTC & Medigap
AIG
Quality of Life Living Benefits & Guaranteed Issue
John Hancock Vitality
Vitality Wellness Rewards Life & Long-Term Care
Fixed Indexed Annuities (FIA), MYGA & Indexed Universal Life (IUL)
Principal-protected 401(k)/IRA rollovers with 0% market-loss floors, guaranteed lifetime income riders, and tax-advantaged cash-value IUL policies with living benefits.
F&G Annuities & LifeAtheneCorebridge FinancialNational Life GroupAmericoTransamericaMutual of OmahaTerm Life, Whole Life & Instant-Decision Underwriting
High-limit income replacement, mortgage payoff protection, return-of-premium options, and wellness-rewarded life insurance (John Hancock Vitality) alongside rapid digital underwriting (Ethos, Ladder).
Foresters FinancialTransamericaAmerican-AmicableAmericoEthosLadderMutual of OmahaCorebridge FinancialJohn Hancock VitalitySimplified-Issue Final Expense & Guaranteed Whole Life
Permanent coverage with locked-in monthly premiums that never increase and benefits that never decrease—designed to cover funeral expenses, medical bills, and family transitions without a medical exam.
Mutual of OmahaAmericoAetnaTransamericaForesters FinancialAmerican-AmicableCorebridge FinancialTruStageAIGSupplemental Health (Aflac) & Senior Medicare Solutions
Direct-to-you cash benefits for accidents, hospitalization, critical illness, and disability through Aflac, alongside trusted Medicare Supplement (Medigap) and Senior Health options from Aetna and Mutual of Omaha.
AflacAetnaMutual of OmahaNational Life GroupForesters FinancialTruStageTransamericaAmericoCorebridge FinancialCarrier & Underwriting Questions
How multi-carrier comparison works to your advantage.
Why does Sarah Owens represent 16+ carriers instead of just one?
Every insurance company has its own underwriting sweet spots, pricing models, living benefit riders, and annuity crediting formulas. By comparing 16+ top-rated carriers side-by-side, Sarah Owens ensures you get the strongest rating class and policy terms for your exact age, health history, and financial goals.
Are all 16 carriers on Sarah's panel established, top-rated institutions?
Yes. Sarah represents nationally recognized, financially strong insurers including F&G Annuities & Life, Foresters Financial, Athene, Transamerica, American-Amicable, Corebridge Financial, Ethos, Aflac, Ladder, TruStage, Aetna, National Life Group (175+ years), Americo, Mutual of Omaha, AIG, and John Hancock Vitality.
Which carriers are best for no-medical-exam or fast-issue life insurance?
Carriers such as Ethos, Ladder, Foresters Financial, Americo, Mutual of Omaha, and TruStage offer streamlined digital underwriting that can approve eligible applicants in minutes or days without requiring a paramedical blood draw.
Which carriers specialize in Fixed Indexed Annuities (FIAs) and IULs?
F&G Annuities & Life, Athene, National Life Group, Corebridge Financial, and Transamerica are industry leaders in principal-protected Fixed Indexed Annuities (FIAs), Multi-Year Guaranteed Annuities (MYGAs), and cash-value Indexed Universal Life (IUL) with living benefits.
Not sure which carrier fits your health or goals best?
You don't have to guess. Tell Sarah Owens what you're looking to protect, and she will run a side-by-side comparison across all 16+ carriers for you.