The variable universal life insurance industry operates in the realm of personal finance and wealth protection, offering tailored insurance coverage across a broad range of risks. Companies within the industry, such as Northwestern Mutual and Tippett Moorhead & Haden, provide comprehensive financial solutions including life insurance policies, wealth preservation, career planning, and more. With advances in financial technology and changing customer needs, the industry is moving toward more flexible and personalised insurance solutions.


Top 26 Variable Universal Life Insurance Companies

1. Tippett Moorhead & Haden, an Alera Group Company

  • Website: tmhllc.com
  • Headquarters: Costa Mesa, California, United States
  • Founded: 2012
  • Headcount: 11-50
  • LinkedIn

TMH LLC is a company that specializes in life insurance and wealth preservation techniques. They offer various types of life insurance policies, including term, whole life, universal life, indexed universal life, variable universal life, and no-lapse guarantee universal life. Their services also include career planning, long-term care planning, and retention plans for companies. TMH LLC is dedicated to providing long-term service and transparency in helping clients with their life insurance options.


2. Northwestern Mutual

Northwestern Mutual is a financial services company that provides life insurance, investment management, and financial planning services. They offer a wide range of products and solutions to help individuals and businesses achieve their financial goals.


3. Protective Life

  • Website: protective.com
  • Headquarters: Birmingham, Alabama, United States
  • Founded: 1907
  • Headcount: 1001-5000
  • Latest funding type: Acquired
  • LinkedIn

Protective is an insurance company that offers a range of insurance and annuity products. They provide coverage for individuals and families, helping them protect their financial future. With over a century of experience, Protective is known for its strong financial strength and commitment to customer service.


4. Sammons Financial Group Companies

Sammons Financial Group is a privately held financial company that offers life insurance, annuity, and retirement planning products. With a focus on long-term value, they prioritize customer commitments and provide reliable financial solutions for individuals and businesses. Their member companies, including Midland National Life Insurance Company and North American Company for Life and Health Insurance, have a history of strength and longevity.


5. LifeQuotes.com

lifequotes.com is a website that provides information and quotes for various insurance policies, including life, auto, health, homeowners, long term care, disability, medical supplements, and travel insurance. They offer a wide range of insurance options to cater to different needs.


6. INSOMIS Corp.

  • Website: imms.com
  • Headquarters: Big Bear Lake, California, United States
  • Founded: 1973
  • Headcount: 11-50
  • LinkedIn

IMMS.com offers variable life insurance policies that provide policyowners with access to cash value through policy loans. These policies have adjustable life policy recast options and provide full disclosure of expenses, investment options, benefit provisions, and policyowner rights.


7. The Copeland Group

The Copeland Group is an independent insurance agency that offers a wide range of insurance products to individuals, families, and businesses. They represent multiple insurance carriers, allowing them to find the best coverage and cost options for their clients. Their in-house customer service and claims representatives provide personalized assistance and guidance throughout the insurance process.


8. Amplify Life Insurance

Amplify Life is a life insurance company offering tax advantaged policies with moderate growth and downside protection. They provide access to funds while the policyholders are alive.


9. Insurance Designers of Dallas

Insurance Designers of Dallas is a Brokerage General Agency in Dallas, Texas, providing pre- and post-sale support to financial service professionals. They offer a range of insurance products, including life insurance, annuities, and long-term care protection.


10. United Assurance, Inc.

United Assurance is a company that offers a wide range of insurance services, including business insurance, personal insurance, life and health insurance, and group insurance. They provide coverage for various types of properties, vehicles, liability, and more. Their website allows customers to obtain quotes and manage their insurance policies easily.


11. Cambridge Guarantee Group

Cambridge Guarantee Group is a company that works with blue-chip partners to offer a range of products and services in the life settlement, life insurance, and alternative asset markets. Their services include policy optimization, valuation, analysis, due diligence, and software design and development.


12. Bfi Insurance Services, INC.

BFI Insurance Services is an insurance broker offering a wide range of insurance services including general liability, home, automobile, life, and commercial insurance options, as well as wedding and event insurance.


13. Camas

Camas Advice provides customized wealth management strategies to help clients grow, access, and protect their wealth based on their unique needs, goals, and circumstances.


14. Sequoia Premier Partners Inc

Sequoia Premier Partners specializes in providing insurance products such as term, whole, indexed universal, and variable life insurance, annuities, and disability and long-term care insurance, as well as offering underwriting guides, case management, and contracting services.


15. Insurance Forums

Insurance-forums.com is a forum-based website that provides online discussion platforms, articles, and news coverage on various types of insurance, including life, health, disability, group, and long-term care insurance.


16. The Gilbert Group Insurance For Wealth Transfer Planning

Gilbert Group of Beverly Hills is a renowned insurance advisory firm offering specialized coverage options for athletes and entertainers. They provide a wide range of insurance products, including disability insurance, life insurance, and annuities.


17. Global Insurance Solutions Group

Global Insurance Solutions Group is an independent partner to professional advisers who serve high net worth individuals and corporate clients, providing life insurance-based estate and business planning solutions. They strive for efficient wealth protection and transfer using tax-advantaged tools.


18. TFG Financial, LLC

TFG Financial is a financial services company offering wealth management, financial planning, and group benefits to individuals and businesses. Founded in 1985, TFG focuses on providing outstanding client service and building personal relationships.


19. Elite Benefits Group NC

  • Website: ebgnc.com
  • Headquarters: Monroe, North Carolina, United States
  • Headcount: 11-50
  • LinkedIn

Elite Benefits Group is an independent agency that helps individuals and companies obtain health and life insurance in North Carolina, South Carolina, Georgia, and Virginia.


20. Agent Sourcing Directory

Agent Sourcing Directory is a leading online platform designed for life, accident, health and property and casualty insurance agents, brokers, and FINRA registered representatives. It connects producers with over 2,500 suppliers, providers, and vendors across the US.


21. Brandon Brokerage Group

  • Website: brandonbrokerage.com
  • Headquarters: Usa Brandon Brokerage Group 300 Sevilla Ave, Florida, United States
  • Founded: 1960
  • Headcount: 11-50
  • LinkedIn

Brandon Brokerage Group is a leading Tellus/Crump firm offering nationwide services and full access to over thirty top-rated life insurance carriers.


22. PolicyCheck

PolicyCheck is a professional review solution that evaluates and compares insurance policies. It offers reports that show survival probabilities and internal rate of return to help clients make informed decisions.


23. Rocky Mountain Insurance Network

Rocky Mountain Insurance Network (RMIN) is a premier brokerage general agency that provides excellence, expertise, and professionalism to clients. They offer a variety of policy review processes, sales concepts, estate planning, and business planning services for both individuals and businesses.


24. Sunset Life

Sunset Life Insurance Company of America is a subsidiary owned by Kansas City Life Insurance Company. The company offers life insurance policies, including term, universal, indexed universal, variable life insurance, and annuities.


25. Americans for Financial Independence

  • Website: afibenefits.net
  • Headquarters: Elmsford, New York, United States
  • Founded: 1997
  • Headcount: 11-50

Americans for Financial Independence (AFI) specializes in providing health insurance benefits to individuals & small business owners.


26. Access Life Insurance LLC

Access Life Insurance provides life insurance policies to customers to ensure the financial security of their dependents in case of their untimely death.


Want to find more variable universal life insurance companies?


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