Symmetry Financial Group

What Symmetry Financial Group does

Symmetry Financial Group is the primary distribution channel for parent company Quility, recruiting and supporting independent life insurance agents across the continental United States. Founded in 2009 and headquartered in Swannanoa, North Carolina, the firm sells life, disability income, critical illness, and annuity products from more than 30 insurance carriers and offers proprietary products developed or co-developed by Quility. Agents operate as independent contractors who build their own agencies, working remotely with non-resident licenses that allow multi-state selling. The company's stated scale includes 5,000+ agents attending its annual Engage conference, 80+ carrier partnerships, and a workforce between 1,001 and 5,000.

Revenue is generated almost entirely through insurance commissions on policies placed by the agent network, supplemented by ancillary streams including subsidized lead sales via Quility LeadStream and Quility Leads Marketplace and recurring referral economics tied to Quility Financial Advisors. The technology stack is anchored by HQ, an agent-facing hub that consolidates CRM, marketing templates, training, and lead distribution; supplemented by Navigator for quoting, Switchboard for dialing and funnel execution, Summit for virtual training, and Quility Financial Advisors for investment-management referrals. Operations are coordinated around the annual Engage conference in Denver and a calendar of in-person and virtual training events (Agency Owner Academy, Summer Tour, Advanced Markets Bootcamps).

Name

Symmetry Financial Group

Legal name

Symmetry Financial Group, LLC

Website

https://sfglife.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Symmetry Financial Group is an insurance marketing organization founded in 2009 that recruits, trains, and supports a remote network of 5,000+ independent life insurance agents across the United States, distributing products from 30+ carriers through proprietary Quility technology.

Ownership category

akta.pro rank

Product category

Life Insurance Distribution

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

Keywords

• Life insurance distribution
• Insurance marketing organization
• Independent insurance agents
• Term life insurance
• Annuity sales

Headquarters

HQ city

Swannanoa

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

Revenue model

1. Insurance Product Distribution: Symmetry agents sell life insurance, disability income insurance, critical illness insurance, and annuity products from 30+ well-known insurance companies. Agents earn commissions on policies sold, with commission splits between agents and advisors for Quility Financial Advisors products.
2. Lead Sales to Agents: Symmetry generates and sells leads to agents through Quility LeadStream. Unlike typical lead companies, Symmetry does not profit from leads - it subsidizes them for agents. Leads fall into three categories: direct mail, call-in postcards, and digital ads.
3. Investment Management Referral: Quility Financial Advisors generates passive income for Symmetry agents through investment and annuity referrals. Agents receive commission splits (80% for annuities under $250k, 70% for $250k-$750k, 60% for above $750k) when advisors help their clients with financial planning and annuity products.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Symmetry Financial Group is a life insurance marketing organization that recruits, trains, and supports a nationwide network of independent remote agents who sell life insurance, disability income, critical illness, and annuity products from 30+ to 80+ carrier partners. The company operates as the primary distribution channel for parent insurtech Quility, providing agents with proprietary tools (HQ, Navigator, Switchboard, Summit), subsidized leads through Quility LeadStream, proprietary products (Quility Term Plus, Debt Free Life, IUL with F&G), and the Quility Financial Advisors platform for fiduciary financial planning referrals.

Product overview

Symmetry Financial Group is a life insurance distribution company powered by its parent company Quility, an industry-leading insurtech. The product ecosystem consists of a proprietary technology platform (HQ) as the central hub, with integrated tools for lead generation (Quility LeadStream, Quility Leads Marketplace), insurance sales (Quility Navigator, Switchboard), training (Summit, Agency Owner Academy), and proprietary insurance products (Quility Term Plus, Debt Free Life, IUL with F&G). Quility Financial Advisors extends the portfolio with fiduciary financial planning services. The company offers access to 80+ carrier partnerships and proprietary products, enabling agents to find customizable solutions for clients. The platform is designed for remote life insurance agents with comprehensive workflow support from lead acquisition through policy management.

Differentiator

Problem solved

Functional benefit

Products and services

• Quility Term Plus (QTP)
• Debt Free Life (DFL)
• Index Universal Life (IUL) Product with F&G
• Quility Financial Advisors (QFA)
• Quility LeadStream
• Quility Leads Marketplace
• Agency Owner Academy
• Quility Secure Future Complete
• Carrier Insurance Product Portfolio (30+ to 80+ carriers)
• Quility Strategic Ventures

Quantifiable outcome

• Agents who contact digital leads within one hour are 7x more likely to qualify the client than those who wait even an hour, and 60x more likely than agents who wait a full day.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Advisors ExcelminorStrategic or Co-development Partner · 1 August 2026Partnership for Advanced Markets Bootcamp event in August 2026 in Dallas, TX.
• Charity: waterminorOthers · 1 August 2025Charitable sponsor for Ripple Women+ Event at Engage 2025 conference, supporting clean water initiatives.
• ForesterscoreStrategic or Co-development Partner · 1 August 2023Partnership to offer Debt Free Life (DFL) product - a proprietary insurance product that helps clients eliminate personal debt.
• Legal and General of America (LGA)coreStrategic or Co-development Partner · 1 September 2022Partnership to bring Quility Term Plus (QTP) to agents - one of the most inclusive term life policies on the market with 40-year terms, up to $2 million in coverage, no medical exam for most, and 15-minute decision turnaround.
• Solomon APIcoreTechnology or IntegrationSolomon API powers Quility Financial Advisors platform, providing the technological backbone for algorithmic investment management and fiduciary services for middle America families.
• 7th LevelminorStrategic or Co-development PartnerGlobal sales training company led by Chairman and founder Jeremy Miner. Provides virtual-sales training portal for Symmetry agents to develop skills to overcome objections and reduce sales resistance.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Primerica: Largest publicly traded multi-level distributor of life insurance and investment products in North America, using a 100,000+ independent representative force. Closest publicly traded analog to Symmetry's agent-recruitment, training, and product-distribution model.
• SelectQuote: Publicly traded direct-to-consumer insurance distribution platform focused on term life insurance, selling policies from multiple carriers via call-center agents. Comparable on multi-carrier life distribution, different on owned-media/lead-gen and employed-agent model.
• Policygenius (Zillow): Online insurance marketplace distributing life, disability, and home/auto insurance across multiple carriers through licensed agents. Same multi-carrier life distribution space but digital-first, owned by Zillow.
• World Financial Group (Transamerica): Multi-level insurance marketing organization owned by Transamerica (Aegon), recruiting independent agents to sell life insurance and retirement products. Same agent-distribution model with a captive-carrier angle.
• American Income Life (Globe Life): Captive insurance carrier (subsidiary of Globe Life) distributing life and supplemental health products through a national agent salesforce. Overlaps directly with Symmetry on life insurance distribution via agent channel, with captive-carrier economics.

Emerging players

• Haven Life (MassMutual): Direct-to-consumer term life platform subsidiary of MassMutual offering online underwriting. Comparable to Quility Term Plus in product positioning (no medical exam, fast decision) but bypasses the agent channel.
• Ethos Life: Tech-forward life insurance distributor offering instant-decision term and whole life policies online without medical exams. Disrupts agent-mediated distribution in the segment Symmetry sells heavily.
• Ladder Financial: Digital term life insurance provider (backed by Allianz Life) selling directly online with instant underwriting. Represents the technology-enabled distribution model competing with traditional IMO-sold term life.
• Bestow: Digital term life insurance carrier/distributor using algorithmic underwriting to issue policies without medical exams or agents. Direct competitor to the agent-mediated term-life value proposition, particularly Quility Term Plus.

Broad incumbents

• F&G Annuities & Life: Strategic investor in Quility (2023) and a major carrier partner. Publicly traded carrier and annuity issuer offering life insurance and retirement products through IMO distribution - both a partner and an adjacent business model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sfglife
• YouTubeyoutube.com/@OfficialSymmetryFinancialGroup
• Facebookfacebook.com/SymmetryFinancialGroup
• LinkedInlinkedin.com/company/symmetryfinancialgroup
• Instagraminstagram.com/sfglife

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Symmetry Financial Group