RYKERFINANCIAL

An independent life insurance company. We protect families — and build the agents who protect them.

San Diego, California
Who We Are

Independent means we answer to your family, not a carrier.

Ryker Financial is not owned by an insurance carrier. We partner with the nation's top-rated companies and shop them against each other on your behalf — so the policy you sign is the one that actually fits your life, your health, and your budget. One advisor, every option on the table.

San Diego skyline lit up at night across the bay
Headquartered in San Diego. Licensed in all 50 states.Photo: Sayan Palui / Unsplash

Carrier Choice

Contracted with A-rated carriers nationwide. When companies compete for your policy, you win on price and terms.

Advice First

We start with your situation, not a product sheet. If the right answer is a smaller policy, that's the one we recommend.

Here After the Sale

Annual policy reviews, beneficiary updates, and a real person on the phone when your family needs us most.

What We Offer

Coverage for every stage of life.

Four products, four different jobs. Compare them side by side or read any one in full.

No. I

Term Life

Maximum protection per dollar for the years that matter most — the mortgage, the kids, the career build.

10 – 40 Year TermsNo. II

Whole Life

Permanent coverage with guaranteed cash value that grows every year you hold it.

Guaranteed GrowthNo. III

Indexed Universal Life

Protection linked to market upside with a floor at zero — growth potential without volunteering for losses.

0% FloorNo. IV

Final Expense

Simplified-issue coverage that settles the last bill quietly, so grief is the only thing your family carries.

No Medical Exam
See All Coverage
Careers at Ryker

Build a career that outearns your old one.

Ryker is growing, and we hire for hunger — not resumes. No insurance experience required. We'll guide you through licensing, train you in our San Diego office, and put a proven system behind you. Agents here own their book, their schedule, and their ceiling.

Get Licensed

We walk you through pre-licensing and your state exam with study support and a clear timeline. Most new agents are licensed within weeks.

Train With Producers

You learn from agents who are actively writing business — live calls, real appointments, and scripts that hold up in the field.

Plug Into the System

Qualified leads, a full carrier lineup, and back-office support so your time goes to clients, not paperwork.

Own Your Growth

Uncapped commissions with a transparent promotion track. Top producers build and lead their own teams.

Start Your ApplicationTakes two minutes. We reply within one business day.
The Wins Channel

Every policy gets posted. Here are a few.

Annual premium on single policies written in our San Diego office. See the full production board →

Charles: $481.12, $852.48, and $1,096.08 policies — 100 dials, hat trick on the dialer
Matthew: $1,112.64 policy on the third dial — beat her existing rate
Charles: $595.32 immediate approval; Justin: $2,682.48 IUL, effective same day
Charles: $2,546.04 policy from the outbound dialer
Charles: $1,666.68 policy — the client called back to get covered
Samer: $2.4k annual premium on a Saturday for two veterans

Figures are submitted annual premium — the yearly premium on applications sent to carriers — not agent income. Agents earn a commission on issued policies that varies by carrier, product, and contract level. Boards show only the top producers in each window; most agents produce less, and results are not typical or guaranteed.

The Record
25+A-rated carrier partners
4,800Families protected and counting
120+Licensed agents building with Ryker
Two Doors In

Protect a family.
Or build with us.

One form. Pick the door that fits and tell us where you are.

Protect a family.

A fifteen-minute call, every carrier on the table, and a number your family can plan a life around. No pressure, no obligation.

  • 25+ A-rated carriers shopped
  • Quotes in one business day
  • No medical exam options