Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Crump Life Insurance Services is a brokerage general agency and does not sell independent insurance policies to individuals
  • Brokerage general agencies sell insurance products to independent brokers, who then sell the products to a client
  • You cannot seek out any type of insurance quote from Crump, but you can purchase a life insurance policy from one of its client brands, including Nationwide, AIG, and Mutual of Omaha

Crump Life Insurance Services is a brokerage general agency. A Crump life insurance policy may not cover you, but it’s possible Crump sold the insurance product to a broker who then sold the policy to you, the client.

Crump doesn’t underwrite life insurance quotes. But read through our review to see what insurance products Crump does offer, what brands work with Crump, and learn more about what general broker agencies do.

You can’t technically buy Crump life insurance, but you can compare rates online from reputable providers near you by entering your ZIP code into our free online tool above.

What is Crump Life Insurance Services?

Crump Life Insurance Services is one of the largest full-service brokerage general agencies in America. Crump currently works for life, annuities, long-term care, linked benefits, and disability insurance companies.

You may also see Crump referred to as a third-party distributor. But what exactly does that mean?

A brokerage general agency, like Crump, works for insurance companies. In this case, Crump sells insurance products from the providers it represents to select independent insurance brokers.

The insurance brokers represent the consumer. The client of an insurance broker can be an individual or a commercial business.

The broker finds multiple insurance quotes for the client to compare and choose from that best fits their needs.

Unlike brokers, insurance agents represent one or more insurance companies. Brokers, not beholden to any specific company, must give the account to an insurer or insurance agent to finalize the policy.

According to the National Association of Insurance Commissioners (NAIC), all agents and brokers must carry a license to sell insurance.

Think of it like this: an insurance company hires Crump to sell its insurance products to independent brokers. Those brokers then offer those types of insurance products to clients like you.

If you select one, the broker hands the policy off to the insurance company or agent to finalize the policy.

On the company website, crump lists TIME as its financial advisor brand, Tellus Brokerage Connections as the independent broker’s network, and RiskRighter as the underwriting service.

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What insurance products does Crump offer?

Crump only sells insurance products to select independent brokers. Currently, Crump’s wide variety of insurance choices includes life, annuities, long-term care, linked benefits, and disability insurance products.

You cannot seek out Crump life insurance quotes, but you might have a policy from a Crump life insurance company.

Crump advertises life insurance products from the top carriers on the company website, listing Nationwide Company and AIG American General as premier plus carrier partners.

It lists Mutual of Omaha and National Life Group as premier carrier partners.

The good news is you can purchase any type of life insurance product through a Crump partner.

However, on the website, Crump claims its partners provide universal life insurance, whole life insurance, and indexed and variable universal life.

While there are no Crump life insurance rates, the company can secure lower rates from its company partners due to its networking connections and massive scale.

Finding a life insurance policy can also feel overwhelming and confusing. Therefore, some people prefer to work with a broker rather than research insurance policies independently.

However, online quote comparison tools make comparison shopping for life insurance policies much easier and more efficient.

Many online quote tools provide you with quotes for free immediately, whereas brokers work slower, have multiple clients, and many people find working with a middle man to be unnecessary.

What are the Crump life insurance ratings and reviews?

The major rating agencies have not evaluated Crump itself. But ratings exist for Truist, the company that now owns Crump.

However, A.M. Best and the Better Business Bureau did not rank Truist or Crump, so the amount of current industry ratings for this company is slim.

Take a look at the available financial rankings below:

  • S&P Global: A- / A-2
  • Moody’s Investor Service: A3
  • Fitch Ratings: A+ / F1

Crump benefits from the financial stability of Truist. Customer and client reviews for Crump online remain neutral to positive.

What is the history of Crump Life Insurance Services?

Established in 1920 in Memphis, Tennessee, Crump Insurance Company rapidly grew into an insurance wholesale provider.

In the early 2000s, Crump expanded markets and partnered with TIME, RiskRighter, and Tellus.

Truist Life Insurance Services acquired Crump in 2012, one of the largest insurance providers in the world.

You might find affordable Crump life insurance under a different name if you work with a broker. Otherwise, you cannot seek out quotes online from Crump directly.

Claims, payments, and changes to your policy all go through whatever company partnered with Crump.

Fortunately, you can easily and quickly compare life insurance quotes from reputable providers near you for free with online comparison tools.

You know there aren’t any Crump life insurance rates to buy and compare, so enter your ZIP code into our free quote tool below to immediately receive life insurance rates from the top companies near you.