Compare All Options
Not every carrier offers their coverage online, many industry leading companies can be compared with a licensed advisor. This option usually provides the best overall price.
RateShop Life™
A veteran & family-owned independent life insurance agency founded through years of industry experience among the nation's largest insurance companies, with the purpose of making life insurance simple, honest, and client-focused — so families can protect what matters most without the confusion, pressure, or weak carriers that are too common in this business.
We specialize in Burial/Funeral & Final Expense insurance. We offer traditional Whole Life plans along with more flexible options like IULs and Term. Our insurance policies do not require medical exams. We are licensed and appointed with insurance carriers that carry a minimum A (Excellent) rating from AM Best, including Mutual of Omaha, Transamerica, Corebridge Financial (formerly AIG), Gerber, and a select group of other financially strong companies.
Whether you want to get your life coverage 100% online, or have us shop the market for you and take care of the rest, you are working with an independent agency — not a national call center. Licensed in 31 states, fully credentialed, and backed by E&O indemnity.
Securing the best rate for your life insurance coverage, and ensuring your loved ones are financially secure during life's most difficult transitions, is only the first part of the assistance we provide to our clients. They know (along with their family), that they have direct access to a 1on1 client focussed team ready to help indefinitely moving forward. Welcome, we're glad you stopped by!
Owner, RateShop Life™
- Brandon Bonner
After finishing school, Brandon served six years in the United States Air Force, where he traveled extensively and advanced ahead of his peers — earning E-4 six months early, making Staff Sergeant on his first cycle, and receiving an Achievement Medal for his contributions supporting critical overseas missions. He holds a Bachelor's degree in Organizational Management, graduating on the Dean’s List.
After the military he built and later sold a real estate company that specialized in helping military members and veterans relocate during permanent change of station or separation. The company was acquired by one of the largest real estate organizations in the industry.
Drawing on extensive experience working inside one of the country’s largest life insurance agencies, Brandon saw firsthand how often families were pushed toward the cheapest option instead of the coverage that actually fit their situation from a financially strong company. That experience is why he founded RateShop Life™ — so clients get honest guidance, strong carriers, and the right policy for their specific goals, not just the lowest price someone can put in front of them.
Insurance can look complicated from the outside. It doesn’t have to be. When someone takes the time to understand your unique situation, the right solution becomes clear.
When he’s not working with clients, Brandon runs his family’s cattle farm and is a proud husband and father of four, including triplets born on Christmas morning — a daily reminder that the most important things in life are built to last across generations.
100% Online
If you want to skip the phone call and get your life coverage 100% on your own, this option will provide the convenience to do so.
License #3004296809
Alabama (AL) • Arizona (AZ) • Arkansas (AR) • California (CA) • Colorado (CO) • Florida (FL) • Georgia (GA) • Illinois (IL) • Indiana (IN) • Iowa (IA) • Kentucky (KY) • Louisiana (LA) • Maryland (MD) • Massachusetts (MA) • Michigan (MI) • Minnesota (MN) • Mississippi (MS) • Missouri (MO) • Nevada (NV) • New Jersey (NJ) • North Carolina (NC) • Ohio (OH) • Oklahoma (OK) • Oregon (OR) • Pennsylvania (PA) • South Carolina (SC) • Tennessee (TN) • Texas (TX) • Virginia (VA) • Washington (WA) • Wisconsin (WI)
Life Insurance Coverage Options:
Whole Life / Final Expense
Lifelong Protection: Covers you for your entire life as long as you pay the required premiums.
Guaranteed Growth: Features fixed, unchanging premiums and a guaranteed, predictable cash value growth rate.
Conservative Stability: Acts as a safe, low-risk asset, making it ideal for final expenses and legacy planning.
Term Life
Temporary Coverage: Lasts for a set period (like 10, 20, or 30 years) and expires once the term ends.
Affordable Rates: Offers the highest death benefit for the lowest initial cost because it is pure protection.
No Cash Value: Does not build savings or investment value; it pays out only if death occurs during the active term.
Indexed Universal Life
Market-Linked Returns: Ties cash value growth to the performance of a stock market index (like the S&P 500) with upside caps.
Downside Floor: Includes a 0% floor to protect against market losses, meaning your cash value won't drop if the market falls.
Flexible Structure: Allows you to adjust premiums and death benefits, though internal fees can rise as you age.
