Freedom Life Insurance Company of America

What Freedom Life Insurance Company of America does

Freedom Life Insurance Company of America is a Texas-domiciled, wholly-owned life and health insurance subsidiary of USHEALTH Group, Inc., a privately-held Fort Worth-based insurance holding company. The entity underwrites a modular portfolio of supplemental insurance products — including portable PPO health plans (PremierAdvantage, PremierChoice, SecureAdvantage), a no-medical-underwriting fixed indemnity plan (HealthAccess Plus), specified-disease lump-sum coverage (MedGuard), excess accident medical (Accident Protector), short-term accident disability income protection (Income Protector), 10-year renewable term life (LifeProtector), PPO dental (SecureDental), and vision coverage (PremierVision) — distributed to self-employed individuals, families, and small-business owners across 33 U.S. states.

The technology stack is a conventional digital insurance platform supporting online quote generation, a HIPAA-compliant customer self-service portal (MyUSHG.com), a provider portal, and integration with contracted PPO networks including Spectera Eyecare Networks (100,000+ access points for PremierVision) and EyeMed Insight. There is no disclosed proprietary AI/ML, no patents, and no SDK or public API surface; the architecture is differentiated primarily by integration interoperability with vision and dental networks and by configurable plan design rather than by core technology novelty.

Freedom Life operates as one of three licensed underwriters inside USHEALTH Group (alongside National Foundation Life and Enterprise Life), with USHEALTH Advisors, L.L.C. acting as the wholly-owned captive distribution arm of 3,600 licensed agents. Revenue is generated almost entirely through recurring insurance premiums collected on subscription/monthly-billed policies, supplemented by fixed indemnity benefit payments and lump-sum accident/disability payouts. Pricing is overwhelmingly quote-based (driven by age, geography, and selected coverage) with limited public rate disclosure; only LifeProtector's $10-$50 premium increments in $5 steps and PremierVision/SecureDental plan-design details are explicitly published. The captive-agent go-to-market model, combined with HIPAA, GLBA, and multi-state CCPA-grade privacy compliance, defines the operational footprint.

Name

Freedom Life Insurance Company of America

Legal name

Freedom Life Insurance Company of America

Website

https://ushealthgroup.com

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

51–100 employees

Short description

Freedom Life Insurance Company of America is a Texas-domiciled underwriter that issues supplemental health, dental, vision, accident, disability, and term-life insurance, distributed exclusively through its parent USHEALTH Group's captive agent force of 3,600 licensed professionals to self-employed individuals and small-business owners across 33 U.S. states.

Ownership category

akta.pro rank

Product category

Supplemental Health Insurance

NAICS

Direct Life Insurance Carriers (524113), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Guaranteed Issue Term Life Insurance (FSAIAAAG), Standalone Critical Illness Insurance (FSAIAKAA)

Keywords

• Supplemental health insurance
• Fixed indemnity plans
• Term life insurance
• Dental PPO coverage
• Vision insurance plans

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Supply Chain, Infrastructure, Others

Revenue model

1. Insurance Premiums: Recurring insurance premiums collected from policyholders across health, accident, dental, vision, life, and disability products underwritten by Freedom Life Insurance Company of America. Products include specified disease, accident, fixed indemnity, dental PPO, vision, term life, and short-term disability plans.
2. Fixed Indemnity Benefit Payments: Fixed dollar amount payments for covered healthcare services regardless of in-network or out-of-network provider status, with fixed copay/coinsurance structure such as $10 copay per insured for PremierVision lenses.
3. Lump-Sum Accident & Disability Benefits: Lump sum payouts from MedGuard (specified disease), Accident Protector (excess medical expense coverage), and IncomeProtector (monthly short-term accident disability benefits for up to 12 months).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Freedom Life Insurance Company of America underwrites a portfolio of supplemental insurance products — portable PPO health coverage plans, fixed indemnity health plans, accident and disability insurance, term life insurance, dental PPO coverage, and vision coverage — distributed to self-employed individuals, small business owners, and families across 33 U.S. states via the captive agent force USHEALTH Advisors and online/phone channels. The products are designed as affordable, customizable, portable coverage that can be layered to fill gaps left by major medical insurance.

Product overview

Freedom Life Insurance Company of America, a wholly-owned subsidiary of USHEALTH Group, Inc. based in Fort Worth, Texas, underwrites a modular portfolio of supplemental health, accident, dental, vision, life, and disability insurance products distributed across 33 U.S. states to self-employed individuals, families, and small business owners. The core offering centers on a family of portable PPO-based health coverage plans — PremierAdvantage, PremierChoice, SecureAdvantage, and the no-medical-underwriting HealthAccess Plus Fixed Indemnity Plan — that customers can combine with supplemental lump-sum and specialty benefits (MedGuard, Accident Protector, Income Protector short-term accident disability, and LifeProtector 10-year renewable term life insurance) and ancillary SecureDental PPO dental coverage and PremierVision vision plans built around the Spectera Eyecare Networks.

Differentiator

Problem solved

Functional benefit

Products and services

• PremierAdvantage

Quantifiable outcome

• Up to 90% savings on glasses and 72% savings on contact lenses for PremierVision in-network members
• +3 more outcomes

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered flagship / core, core and minor.

• USHEALTH Advisors, L.L.C.flagship / coreChannel Partner/ Reseller/ DistributorUSHEALTH Advisors is the wholly-owned national health insurance distribution arm of USHEALTH Group, Inc. The company sells individual health coverage and supplementary products underwritten by Freedom Life Insurance Company of America, Enterprise Life Insurance Company and National Foundation Life Insurance Company — all wholly-owned subsidiaries of USHEALTH Group, Inc. The captive Agent sales force focuses on serving America's self-employed, business owner and individual insurance market.
• Spectera Eyecare NetworkscoreTechnology or IntegrationSpectera Eyecare Networks provides over 100,000 access points for the PremierVision plan. Members choose from independent or retail providers to find the provider that best fits their needs and schedule. PremierVision provides insurance benefits plus negotiated non-insurance discounts through the Spectera network (e.g., 30% discount off retail balance on frames).
• EyeMed Insight networkcoreTechnology or IntegrationEyeMed Insight network is referenced as the network used for PremierVision eyecare plan in Wyoming, providing in-network and out-of-network vision coverage for glasses and contact lenses.
• Phoenix of New Orleans (PNOLA)minorOthersFirst HOPE project after Hurricane Katrina: company leaders partnered with PNOLA to rebuild homes in the lower Mid-City area of New Orleans, contributing hundreds of man-hours toward razing and restoration efforts.
• The Crisis NurseryminorOthersIn 2011, USHEALTH Advisors continued its mission of HOPE by providing thousands of dollars' worth of new shoes, clothing, baby formula and other needed supplies to The Crisis Nursery, a non-profit children's shelter serving the Phoenix/Scottsdale metropolitan area.
• H.O.P.E. Kids ArizonaminorOthersNon-profit support community for families of children with cancer and other life threatening illnesses. USHEALTH Advisors presented a check for more than $25,000 at its 2012 Leaders Meeting, and donated another $45,000+ when H.O.P.E. Kids opened a chapter near USHA's North Texas headquarters.
• Semper Fi and America's FundminorOthersMilitary support organization that has benefited from dedicated efforts of USHEALTH Group employees and agents through the Mission of HOPE charitable activities.
• Wounded Warriors ProjectminorOthersMilitary support organization supported through USHEALTH Group's Mission of HOPE charitable activities.
• Trinity Habitat for HumanityminorOthersHabitat for Humanity affiliate benefiting from dedicated efforts of USHEALTH Group employees and agents through the Mission of HOPE.
• Toys for TotsminorOthersCharitable organization supported by USHEALTH Group employees and agents through the Mission of HOPE.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Globe Life: Globe Life operates a captive-agent life and supplemental health insurance model targeting middle-income American families, closely mirroring USHEALTH Advisors' 3,600-agent distribution philosophy and Freedom Life's term life plus supplemental health product mix.
• Aflac: Aflac is the U.S. leader in supplemental accident, specified disease, and fixed indemnity insurance sold through captive agent groups, directly comparable to Freedom Life's MedGuard, Accident Protector, and Income Protector offerings.
• HealthMarkets: HealthMarkets distributes individual and family health insurance products — including fixed indemnity and supplemental coverage — through a national agent network targeting self-employed and small business buyers, matching USHEALTH Group's go-to-market approach.
• Allstate Health Solutions: Allstate Health Solutions (formerly National General) sells supplemental health, accident, and short-term medical products through agent and direct channels, comparable to Freedom Life's portable PPO and fixed indemnity lineup.
• United American Insurance Company: United American underwrites supplemental health, accident, and life products distributed through captive agents, directly competing with Freedom Life in the individual and small employer supplemental insurance segment.
• National Western Life Insurance: National Western Life specializes in life insurance and annuity products for niche individual markets, sharing Freedom Life's focus on life insurance underwriting and individual policyholder distribution.

Broad incumbents

• Cigna: Cigna is a national health carrier offering major medical plus supplemental benefits, much larger and broader than Freedom Life but overlapping in the supplemental health, dental, and vision product categories.
• Humana: Humana is a major health insurer with supplemental product offerings and significant individual market presence; broader than Freedom Life but competes for the same self-employed and individual buyer.
• Mutual of Omaha: Mutual of Omaha underwrites individual supplemental health, life, and disability products distributed through captive agents and direct channels — comparable product set and distribution philosophy to USHEALTH Group's portfolio.

Emerging players

• eHealth: eHealth operates an online marketplace for individual and family health insurance including supplemental and short-term plans, representing the digital distribution alternative to Freedom Life's captive agent channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/freedomlifeins
• Facebookfacebook.com/ushealthdirect
• LinkedInlinkedin.com/company/ushealthgroup
• Instagraminstagram.com/ushealth_group

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Freedom Life Insurance Company of America