LAD agents are appointed with a broad slate of fixed annuity and life insurance carriers through our master network contract. The list grows as new carriers come online — your appointed agent dashboard shows exactly what you can write at any moment.
Annuity products
MYGA — Multi-Year Guaranteed Annuity
The straightforward one. Fixed interest rate guaranteed for 3, 5, 7, or 10 years. Most competitive on a yield-vs-CD basis. A core product for clients prioritizing principal protection and predictable returns. See current rates →
SPIA — Single Premium Immediate Annuity
Income that starts now. Convert a lump sum into guaranteed income for life or for a fixed period. The classic retirement-income product.
DIA — Deferred Income Annuity
Same as SPIA, but income starts later. Useful for clients who want longevity insurance without giving up flexibility today. Often paired with a 1035 from existing annuities.
FIA — Fixed Indexed Annuity
Principal-protected accumulation linked to an index. Caps, participation rates, and spread fees vary widely across carriers — we surface the differences so you can match the product to the client. Highest volume product in the market for a reason.
Coming soon: RILA (Registered Index-Linked Annuities) and Variable Annuities, once securities licensing pathways are in place.
Life insurance products
Term
Straightforward death benefit for a fixed period. Quoted competitively across our carrier slate via FireLight’s LifePipe engine.
Whole Life
Permanent coverage with guaranteed cash value accumulation. For clients prioritizing lifetime protection and a forced-savings component.
IUL — Indexed Universal Life
Permanent coverage with index-linked cash value growth. Powerful when designed correctly, complex when not. Illustrations through WinFlex.
GUL — Guaranteed Universal Life
Lifetime coverage at minimum cost. The “no-frills permanent policy” — no cash value emphasis, just guaranteed coverage to a target age.
Coming soon: Variable UL, once securities licensing pathways are in place.
Carrier list
Our active carrier list:
Once you’re appointed and logged in, your dashboard shows exactly which carriers you can write through LAD, with current commission grids per product.
If there’s a specific carrier you want to write through us and we don’t already represent them, tell us — our network is broad and additions are common.
Why we don’t just list every carrier publicly
Carrier rates change weekly. Product availability varies by state. Commission grids vary by appointment. Posting a static list would be misleading.
Once you log into the LAD platform, you see exactly what you can quote, in your states, at your commission level, with current rates. That’s the data that matters.