RateShop Life
RateShop Life
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RateShop Life™

RateShop Life™ is an independent, veteran-owned life insurance agency based in rural North Alabama. We were founded here with one job: make life insurance simple, honest, and client-focused — so Alabama families can protect what matters most without the confusion, pressure, or weak carriers that are too common in this business.


We specialize in Burial & Final Expense insurance. We also offer traditional Whole Life for wealth preservation, plus more flexible options like IUL and Term. Many policies require no 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 want to handle it by phone or have us shop the market and take care of the rest, you are working with an Alabama agency — not a national call center. We are licensed in 31 states, fully credentialed, and backed by E&O indemnity. No pressure. Strong carriers. The right policy from a company that can actually pay the claim.

Owner - Brandon Bonner | Welcome to RateShop Life™

Brandon Bonner

After finishing school in Jefferson County, he 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 in Winston County, AL 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.

Compare ALL Options

Not every carrier offers their coverage online, many industry leading companies can be compared with a licensed advisor. This option often provides the best overall price.

Compare ALL Options with A licensed advisor

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.

100% Online

RateShop Life™ is based in Alabama and licensed in 31 States. Agency 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) …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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