Carrier Placement Finder

Permanent life insurance. Maximum face and the fastest underwriting path, by carrier.

01Client

Client age * Expected rate class * Set by the Underwriting section. Pick a class to override. Earned income per year * Wages, bonus, commission, net business income. Any amount counts as still working. Social Security and pensions Plus other unearned income. Only Columbus Life counts it.

Current coverage (optional). Coverage with a carrier counts toward its no-exam limit.

Coverage kept, all carriers No group coverage. No policies being replaced.

National Life Group Nationwide Placed in the past 3 years. Columbus Life Mutual of Omaha

02Underwriting (optional)

Every field here is optional. The more you fill in, the more accurate the class, path and requirements will be.

Nicotine use Includes vaping, pouches, gum and patches. Cancer history

Height and weight

Latest blood pressure

Routine physical in the past 12 months

Health conditions

None High blood pressure (treated) Diabetes Heart disease AFib or irregular heartbeat Sleep apnea Depression Anxiety

03Target policy (optional)

Desired death benefit Shows each carrier's path and likely requirements at this amount. Yearly premium Checks each carrier's premium-to-income limit.

04Purpose of policy

Income / Retirement Estate Planning Business Planning

By carrier, fastest underwriting first

Based on four carriers' published underwriting guides. | September 26, 2026

A general guide to sizing and underwriting, not an offer. No-exam and instant paths are possible, not promised. The carrier's underwriter makes the final call. Confirm the current guide before quoting. Columbus Life figures come from its January 2020 guide.

We help you find money you didn't know you had, then put it to work forever.

888-768-9667
[email protected]
zoopbenefits.com

RESOURCES · TRAINING · QUICK LINKS · THE PROBLEMS · SUPPORT