Life insurance is regulated state by state. This page tells you who we are, where we are licensed, and how to check for yourself.
Our license
NECTAR LEGAL NAME is a licensed insurance agency. Henry Klein, the agent who reviews every application, holds a resident life insurance license in Ohio and non-resident licenses in the other states where Nectar Term is offered. Our National Producer Number and the full list of states appear in the footer of every page.
You can verify any agent or agency through your state's insurance department or through the National Association of Insurance Commissioners, which links to every state's producer lookup.
Who issues Nectar Term policies
Nectar Term is a term life insurance policy issued by one of Nectar's partner insurers and serviced by Nectar. The issuing company for your policy is named on your quote, in your application, and in your policy documents. Each partner is rated A or better by A.M. Best at the time of writing:
| Issuing partner | A.M. Best rating |
|---|---|
| Banner Life Insurance Company | A+ |
| Protective Life Insurance Company | A+ |
| Mutual of Omaha | A+ |
| Transamerica | A |
| Ameritas | A |
| TruStage | A |
| Aetna (Accendo) | A |
Ratings change; the current rating of any insurer is published by A.M. Best.
See what Nectar Term would cost you
Two minutes to a price, with your approval odds up front. No calls unless you ask.
How Nectar is paid
Nectar receives a commission from the issuing insurer when a policy is placed. The commission does not change your premium. We receive no other compensation from any insurer and do not sell leads or customer information.
Not all products in all states
Nectar Term, its riders and its no-exam underwriting are not available in every state, and some features differ by state. Prices shown on this site are estimates based on published rate tables and are not an offer of coverage; the final premium is set by the issuing insurer during underwriting. Nothing on this site is tax, legal or medical advice.
Complaints
If something has gone wrong, write to henry@nectarinsure.com and we will respond within two business days. You may also contact the insurance department of your state at any time.