RateShop Life
RateShop Life
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About RateShop Life™

RateShop Life™ was founded with one clear mission: make life insurance simple, transparent, and truly client-focused — so families can protect what matters most without the confusion, pressure, or weak carriers that are too common in the industry.


RateShop Life™ is an independent, veteran-owned life insurance agency specializing in Burial & Final Expense insurance. We have traditional Whole Life options that are more tailored to wealth preservation and more flexible options like IUL and Term insurance. All products do not require a medical exam. We only work with 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 prefer a fully online experience or want our team to shop the market and handle everything for you, we’re here to make the process fast, secure, and stress-free. 


Founded and headquartered in rural North Alabama, we provide honest, professional guidance to our clients in over 30 states across America. As a fully credentialed, multi-state licensed agency backed by robust E&O indemnity, we prioritize strict regulatory compliance. We eliminate the pressure, offering multiple strong carrier options so you can find the right coverage from a company that actually delivers on its promises.

Meet the Founder & Agency Principal | Welcome to RateShop Life™

Owner, Founder, and Agency Principal - Brandon Bonner

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.

Licensed in 30+ States

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) …and growing

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RateShop Life™ is operated by RateShop Financial LLC, a fully credentialed, multi-state licensed agency. For our clients' ultimate protection, all advisory services and plan placements are securely backed by robust Errors and Omissions (E&O) professional indemnity insurance.🔒Secure 256-Bit Encryption |🛡️Privacy Protected | License #3004296809

© 2026 RateShop Life™ - All Rights Reserved.

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