Asurgo compares 25 top-rated carriers across final expense, term life, mortgage protection, and retirement plans. Pick your starting point on the right.
We compare 25 carriers in under 60 seconds, then show you the best three for your situation.
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Honest advisors
Licensed advisors, not call-center pressure. We answer your questions and let you decide.
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Locked-in rates
Once approved, your rate never goes up. Coverage that lasts as long as you pay.
Same coverage. Different prices.
Real client comparison · same coverage, five carriers
Carrier A$74 / mo
Carrier B$61 / mo
Carrier C$54 / mo
Carrier D$49 / mo
Best rate found$42 / mo
Save $384 / year vs. the highest quote
The Difference
Why an independent broker wins.
Captive agents sell one company. Online-only tools show a limited panel. We work for your family across 25 carriers.
What you get
Asurgo
Captive agents
Online-only tools
Compare 25 A-rated carriers
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One company
Limited panel
A licensed advisor calls you
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Maybe
Almost never
No medical exam where eligible
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Varies
Varies
Same-day coverage
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Days to weeks
Days
No fees, ever
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✓
✓
Works for you, not a carrier
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Real Families
From real families.
★★★★★
My current company quoted me $74. Asurgo found the same coverage for $42. Saved $384 a year.
Patricia M.
Phoenix, AZ · age 71
★★★★★
They didn't try to sell me. They asked questions, compared carriers, and gave me the cheapest one that approved me.
Dorothy R.
Tampa, FL · age 68
★★★★★
Two carriers turned me down for my heart condition. Asurgo found one that approved me the same day.
Earnestine W.
Birmingham, AL · age 66
Common Questions
Honest answers.
We compare final expense (burial insurance), term life, mortgage protection, and retirement plans like indexed universal life and annuities. Tell us your goal and we match you to the right one.
No. You pay the same rate as if you went straight to the carrier. The carrier pays us. Going through us gets you 25 carriers compared instead of one.
Often no. Many plans use simplified approval, which means a few health questions and no exam. Your advisor will confirm what applies to your plan.
Almost always. With diabetes, heart disease, COPD, or a history of cancer, you usually qualify with at least one of our 25 carriers. If one turns you down, we have 24 more.
Many policies are approved the same day. Coverage often begins within 24 hours, depending on the plan.
None. The comparison is free. The advisor call is free. If you like the rate, take it. If not, walk away.