The companies I compare for you
As an independent producer, I don't work for one insurance company. I compare several well-established ones and recommend the one that fits your health, budget and goals. Here's who they are, and how you can check their strength for yourself.
What the ratings mean
A.M. Best is the oldest independent agency that rates insurance companies on their ability to pay claims, from A++ at the top down to D. Every company I recommend is rated A (Excellent) or better.
| Company | What I use them for | A.M. Best | Background |
|---|---|---|---|
| American-AmicableAmerican-Amicable Life Insurance Co. of Texas | Final expense, simplified-issue whole life | A | Since 1910, Waco, Texas. Part of iA Financial Group. |
| TransamericaTransamerica Life Insurance Company | Term, final expense, whole life | A | Over 120 years in business. |
| Corebridge FinancialAmerican General Life Insurance Company | Term, guaranteed-issue whole life, indexed universal life | A | Formerly AIG's life and retirement business. Publicly traded (NYSE: CRBG). |
| F&GFidelity & Guaranty Life Insurance Company | Indexed universal life, annuities | A | Since 1959, Des Moines, Iowa. Publicly traded (NYSE: FG). |
| Allianz LifeAllianz Life Insurance Company of North America | Indexed universal life, annuities | A+ | Minneapolis, Minnesota. Part of Allianz, founded 1890. |
| EthosOnline application platform | Fast term and whole life applications, often without a medical exam | A to A+ | Ethos policies are issued by rated insurers such as Banner Life, Protective, North American and TruStage. |
Ratings shown as of September 2026. Ratings can change, so I check each company's current rating before every recommendation. You can look up any insurer yourself at ambest.com. I also work with other companies when they're a better fit.
How I choose for you
Your health
Each company views health differently. The right one can mean a better price or full coverage from day one.
Your budget
I compare prices across companies for the same coverage, so you're not overpaying for a name.
Company strength
A-rated or better, with a long record of paying claims.
What happens later
How easy they are to reach, how claims are handled, and whether the policy still fits in ten years.
Check my license
I'm a Licensed Life Insurance Producer in New Jersey and Georgia. You can confirm my license in about 30 seconds on the New Jersey Department of Banking and Insurance website. Search for "Gaviria, Kevin".
Verify on NJ DOBIQuestions?
Ask me about any company on this page. Call (908) 560-6700 or book a 10-minute call.