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Medicare Supplement Carriers

Senior Benefit Services Inc. is a Independent Marketing Organization working with the top Medicare Supplement carriers in the country. Our Marketing Department compares Medicare Supplement plans, rates, commissions, and AM Best ratings to find our Producing Partners the best carriers for their portfolios. With over 30 years in the Medicare Supplement business, we have the tools to make our agents successful in the Medicare Supplement and Senior Insurance Market.

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Aetna Senior Supplemental Insurance: Aetna was founded in 1853 and has grown into one of the most well-known insurance carriers in the country. They have since made their mark in Medicare Supplements, offering competitively priced plan options in most states. In 2019 they were acquired by CVS Health, opening new avenues to the future of Medicare Supplement sales. Even with all the big changes, Aetna Senior Supplemental Insurance and its subsidiaries still hold an “A” (Excellent) rating from A.M. Best Company and provides affordable benefits along with service held to highest standards.

Aetna Senior Supplemental Subsidiaries:

  • Aetna Health Insurance Company
  • Aetna Health and Life Insurance
  • Aetna Life Insurance Company
  • American Continental Insurance Company
  • Continental Life Insurance Company of Brentwood, Tennessee


Atlantic Coast Life Insurance Company: Atlantic Coast Insurance Company was originally founded in 1925, focusing on life insurance and annuity solutions. The company was family owned for generations until 2015 when they were purchased by Advantage Capital. From then on, growth, expansion, and success have multiplied expanding nationwide into 34 states with more pending! In 2019 Atlantic Coast released their brand new Medicare Supplement plan (sister company of Sentinel Security Life) offering point of sale underwriting decision and easy-to-use eApp.


Bankers Fidelity Life Insurance/Assurance: For over 60 years, Bankers Fidelity Life Insurance Company® has provided tens of thousands of Americans with a source of confidence and security. After joining the Medicare Supplement market, Bankers Fidelity still offers that same confidence with competitive rates in multiple states and over 250 collective years of insurance experience by their customer service professionals. Bankers Fidelity understands and focuses on the needs of seniors and provides them with the security and peace of mind they deserve.

Cigna: Since 1972, Cigna Medicare Supplement plans have helped your senior clients cover their health care costs, including deductibles and coinsurance payments. Today, Cigna’s name recognition and competitive rates have kept them one of the most popular Medicare Supplement options for both agents and clients. With an “A” Rating from A.M. Best, Cigna and their subsidiaries are able to retain their superior reputation and offer insurance in 38 states.

Cigna Subsidiaries:

  • Cigna Health and Life
  • Loyal American
  • American Retirement Life Insurance

Combined Insurance: Combined Insurance Company of America is a leading provider of individual and group supplemental accident, disability, health, and life insurance products. They are committed to making the world of supplemental insurance easy to understand. With nearly 100 years of success and an “A” Rating by A.M. Best you can expect personalized services and products that give you the edge you need to be successful.


Accendo Insurance Company (CVS Health): Accendo Insurance Company, a new (2020) CVS Health insurance provider and partner with Aetna Senior Supplemental Insurance, is now available to provide some of the greatest benefits for Medicare Supplement beneficiaries. After the merger in 2018 that included a major pharmacy, CVS Health, and one of the biggest health care providers, Aetna, both companies have been working together to build a network among pharmacies and health care providers for the best benefits available.


Great Southern Life Insurance Company (Americo): Great Southern Life Insurance Company has been providing insurance needs for over 100 years and makes it their mission to provide the highest level of services to all stakeholders. With great care, Great Southern is invested in their clients, employees, and producers to ensure innovative products and solutions.


Guarantee Trust Life (GTL): Guarantee Trust Life is one of the most competitive providers insurance carriers on the market with quality products and excellent customer service. For 80+ years, GTL has made it their mission to bring timeless virtues with highly held values and provide one-on-one customer service while being friendly and open to help.


Heartland National Life Insurance Company: Heartland National, created in Independence, MO in 1994, is one of the leading distributors of Long Term Care Insurance and one of the biggest front-runners in the senior insurance market. Now providing Medicare Supplements across 21 states in the south to south-west regions of the country, Heartland National is focused on the future while also producing quality insurance.


Humana: Humana was founded in 1961 as a nursing home company that moved into hospitals in 1974. By the early 1980’s, Humana switched gears to create its own health insurance plans, growing and focusing on group health insurance and Medicare products. Most agents working in the senior market recognize Humana as a carrier of Medicare Advantage and Rx plans. But Humana also offers Medicare Supplement plans at competitive rates in most states. Even better for the agent, certifications are not required to sell their Medicare Supplement product. With the name recognition, competitive rates, and an “A-” rating by A.M. Best, Humana has become an increasingly popular Medicare Supplement for most agents in the senior market. 


 Lumico: As an “A” rated insurance provider, Lumico is committed to providing an experience for buying insurance that is timely, while creating an ideal experience for their insurance buying process with user friendly language and great customer support. Combine this with competitive prices and Lumico has become a top choice when writing Medicare Supplement policies.


Manhattan Life: Manhattan Life Insurance Company’s Medicare Supplement plans are designed to give your client choices to help cover today’s health care costs. Manhattan Life’s diverse portfolio allows your client to choose a Medicare Supplement plan to suit their life situation, budget, and needs. Most agents in the senior market recognize the subsidiary, Western United Life Insurance Company, which became part of Manhattan Life family in 2013. Western United Life has been providing competitive rates since 1963 and is recognized as a “B+” rated insurance provider by A.M. Best along with Manhattan Life.

Manhattan Life Subsidiaries:

  • Manhattan Life Insurance Company
  • Western United Life Insurance Company


Medico Medicare Supplement plans: Medico Insurance Company Medicare Supplement plans are among some of the most competitive plans in the market for clients in their late 60s and early 70s. They also offer a higher compensation to appointed agents/brokers. Medico Insurance Company began operations in 1930 and they are proud to call America’s heartland their home for over 80 years.


Mutual of Omaha: Mutual of Omaha Insurance Company Medicare Supplement plans are very well known along with their subsidiaries listed below. Founded in 1909, Mutual of Omaha Insurance Company is a multi-line provider of insurance and financial services to offer their clients a variety of benefits. Mutual of Omaha has been selling Medicare Supplement plans since the birth of Medicare in 1966 and currently their subsidiaries provide Medicare Supplement insurance in all 50 states.

Mutual of Ohmaha Subsidiaries:

  • Mutual of Omaha
  • Omaha Insurance
  • United of Omaha
  • United World

Oxford Life Insurance Company: Oxford Life offers products and services that promote financial security and insures your clients live with dignity during their retirement years.  Oxford Life employees work to ensure quality service because of their commitment to their customers and work to expand and improve their programs.  They strive to provide a quality, affordable insurance product.


Pan American Life Insurance Group: Pan American has been in business for over 100 years with an “A” Rating by A.M. Best. They strive to create a trusting relationship between Pan American and their customers by providing nationwide insurance and proving that they are able to maintain a steady performance which allows them to focus on innovation and talent.


Prosperity Life Group: This leading insurance organization provides financial security to individuals and their families through innovative protection, supplemental insurance, and asset accumulation products. They primarily operate through their subsidiaries Shenandoah, SBLI USA, and S.USA, but Prosperity Life Group is able to maintain their leading provider title for supplemental insurance through servicing over 300,000 policies and helping customers cover out-of-pocket expenses since 2009.


Thrivent Independent: With an astonishing “A++” rating and a 99/100 Comdex score, Thrivent provides insurance needs along with financial guidance, which allows them to be ahead of the competition. Since 1902, Aid Association for Lutherans has been providing substantial benefits, and in 2001 when Aid Association for Lutherans and Lutheran Brotherhood merged, Thrivent (a not-for-profit company) was created.


Transamerica Premier Life Insurance Company: Transamerica was founded in 1904 as a financial services company focusing on life insurance, pension, and asset management groups. Eventually, Transamerica Premier spread their influence throughout the insurance industry to include Medicare Supplements plans and even achieved an “A” Rating by A.M. Best. Transamerica Premier has provided competitive rates in most states and has become a staple product for an agent’s portfolio.


United American Insurance Company: United American Insurance Company has been providing insurance coverage since 1947 and now provides coverage in all 50 states. Since United American opened their doors for Medicare Supplements in 1966, they have received an A+ (Superior) A.M. Best rating for over 40 years.



Want to find out more about the Medicare Supplement carriers we offer? Simply give us a call at (800) 924-4SBS and ask for Marketing.

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