LAD does not treat a general carrier list as proof that a producer can write a particular product. Availability can depend on the producer’s license, appointment, training, contract, client state, product approval, and current carrier rules.
What LAD confirms for a proposed case
Before a carrier or product is presented as available, the responsible person should verify:
- The relationship between LAD and the carrier is active for the proposed line of business.
- The producer holds the required license and training and has the required appointment.
- The product is approved and currently available in the client’s state.
- The current carrier materials support the product terms being discussed.
- The applicable compensation terms have been confirmed from primary records.
The result may differ by producer and case. A carrier name shown in a system, document, or earlier case is not enough on its own.
Products
LAD may support annuity or life-insurance business when the required carrier relationship and case-specific conditions are confirmed. Product categories, features, guarantees, risks, and suitability considerations must be described from current, approved carrier materials and reviewed by an appropriately licensed professional.
Carrier relationships confirmed by LAD
As of October 5, 2026, LAD’s team confirmed active carrier relationships with:
- Athene
- Symetra
- Protective Life
- American National
- North American
- American Equity
- Fidelity Life
- Securian
- Foresters
- Ethos
- Banner Life
This roster describes LAD’s confirmed relationships. It does not establish that an individual producer is appointed or that a particular product is available in a state. Confirm those conditions for each case before presenting a product as available.
Need to check a specific carrier or product?
Insurance professionals can submit a broker inquiry with the relevant state, license, carrier, and product. Do not include client personal information in the initial inquiry.
For insurance professionals. Carrier and product availability are not guaranteed.