Zander Insurance
Zander Insurance is a privately held Nashville-based independent insurance brokerage that shops hundreds of carriers for U.S. consumers and SMBs across term life, auto, home, disability, business, and identity theft products, acquiring customers primarily through its exclusive Dave Ramsey endorsement.
- Company typePrivate
- Founded2007
- HeadquartersNashville, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Zander Insurance does
Zander Insurance is a privately held, Nashville-based independent insurance brokerage that aggregates and shops policies from hundreds of carriers on behalf of U.S. consumers and small/mid-sized businesses. Its product portfolio spans term life insurance, auto, home, long-term disability, long-term care, employee benefits, property & casualty, workers' compensation, and a recurring subscription identity theft protection service (Zander Identity Theft Solutions) offered in Essential and Elite tiers. Underlying technology is a web-based quoting and policy management platform, supplemented by a mobile app, with no developer-facing API and no documented AI/ML components.
The company's go-to-market is anchored by an exclusive, approximately 20-year national endorsement from Dave Ramsey and The Ramsey Show, which functions as its primary customer acquisition channel via radio, podcasts, and live events. Revenue is generated through insurance brokerage commissions on placed policies and recurring subscription fees on identity theft protection plans (priced from $6.75/month for individuals to $21.99/month for Elite Family coverage). Zander is privately held with no disclosed external institutional investors, operates a single Nashville headquarters, and serves customers exclusively in the United States.
Zander Insurance firmographics
Firmographics- Name
- Zander Insurance
- Legal name
- Zander Insurance Group
- Website
- https://zanderins.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Zander Insurance is a privately held Nashville-based independent insurance brokerage that shops hundreds of carriers for U.S. consumers and SMBs across term life, auto, home, disability, business, and identity theft products, acquiring customers primarily through its exclusive Dave Ramsey endorsement.
- Ownership category
- akta.pro rank
Zander Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Network Security & Privacy Liability (Third-Party) (FSAJAOAE)
- akta.pro secondary industry
- Business Overhead Expense (BOE) Disability Insurance (FSAIAIAJ)
Keywords
Where Zander Insurance is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Zander Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Operations, Technology or R&D, Supply Chain
Revenue model
- Insurance Brokerage Commissions: Zander Insurance acts as an independent insurance broker/agency earning commissions from insurance carriers when policies are sold. The company shops hundreds of top insurance companies to find the best rates for customers. Revenue is generated through commissions on term life, disability, auto, home, and business insurance products.
- Identity Theft Protection Subscriptions: Monthly and annual subscription plans for identity theft protection services. Plans include Essential and Elite tiers for individuals and families, with coverage starting at $6.75/month for individuals and providing recurring revenue through automatic renewals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Essential Individual plan covering all types of ID theft with basic monitoring and recovery services |
| Subscription | Monthly | Essential Family plan covering two adults and children under 18 at no additional cost |
| Subscription | Monthly | Elite Individual comprehensive protection with home title monitoring, VPN, antivirus, and credit lock |
| Subscription | Monthly | Elite Family comprehensive protection for two adults and children with enhanced device coverage |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels5 records
Zander Insurance product offering
Product offeringCore offering
Zander Insurance is an independent insurance broker that shops and places policies with hundreds of top-rated insurance carriers on behalf of individual consumers, families, and business owners. Its core offerings center on term life insurance, identity theft protection (Essential and Elite subscription plans), auto, home, and disability insurance for individuals, plus employee benefits, property & casualty, workers' compensation, and business ID theft protection for business clients.
Product overview
Zander Insurance is a multi-line insurance broker endorsed by Dave Ramsey, operating as a single-platform brokerage rather than a modular software architecture. The company aggregates quoting and policy management for multiple insurance types through a unified web platform and companion mobile app. The core product portfolio centers on identity theft protection (offered in Essential and Elite tiers), supplemented by term life insurance, auto insurance, home insurance, disability insurance, and business insurance products (employee benefits, property & casualty, workers' compensation, business ID theft, and long-term care). All products are offered directly to consumers and businesses through Zander's digital quoting platforms, call center, and agent-assisted application process, with the company's value proposition anchored in comparative shopping across carrier networks and annual policy reviews.
Differentiator
Problem solved
Functional benefit
Brands
- Zander Identity Theft Solutions: Identity theft protection and restoration services including monitoring, stolen funds reimbursement up to $1 million, and recovery services.
- Zander Concierge Service
Products and services
- Term Life Insurance Level term life insurance offered in 10, 15, 20, or 30-year terms with coverage amounts typically recommended at 10-12 times annual income; the only life insurance product Zander sells, focused on affordability over cash-value alternatives.
- Auto Insurance Auto insurance quoting and brokerage service covering cars, trucks, vans, and motorcycles, representing top independent auto insurers with annual policy reviews to maintain competitive rates.
- Home Insurance Homeowners insurance brokerage representing over two dozen home insurers across the United States, with annual policy reviews to ensure rates remain competitive.
- Disability Insurance Long-term disability insurance providing income replacement (60-70% of monthly income) if unable to work due to illness or injury, with recommended benefit periods of at least 5 years or to age 65.
- Essential Identity Theft Protection Plan Individual identity theft protection plan covering personal information dark web monitoring, Social Security number monitoring, change of address monitoring, data breach updates, lost wallet service, and 24/7 customer and recovery services, with up to $1,000,000 stolen funds and expense reimbursement.
- Elite Identity Theft Protection Plan Comprehensive identity theft protection bundle including all Essential Plan features plus home title monitoring, bank and retirement account monitoring, debit/credit card and loan account takeover monitoring, new account monitoring, UltraVPN, UltraAV antivirus, Experian CreditLock, and password manager, with up to $1,000,000 ($2,000,000 family) stolen funds and expense reimbursement and protection for up to 20 devices.
- Employee Benefits Business employee benefits including medical insurance, dental and vision, life and disability, identity theft protection, and voluntary benefits, with cost control, compliance (ACA, ERISA, COBRA, HIPAA), and communication services.
- Property & Casualty Insurance (Business) Business property and casualty coverage including commercial property, general liability, automobile liability, professional liability/E&O, cyber liability, management liability (employment practices, D&O, fiduciary, crime, kidnap and ransom), and risk management services.
- Workers' Compensation Insurance Workers' compensation insurance covering workplace illnesses and injuries, with multiline carrier relationships, accident prevention, loss control, claims management, and return-to-work programs.
- Business Identity Theft Protection Business identity theft protection combining personal Elite family membership with business-specific surveillance and monitoring services, including data breach response, cyber insurance, breach readiness, and employee benefit group ID theft protection plans.
- Long-Term Care Insurance Long-term care insurance planning service provided through a partnership with LTC Consumer, offering access to top nationwide plans customized to individual needs and budgets.
Quantifiable outcome
- Save up to 15% when bundling home and auto insurance
- +2 more outcomes
Companies that use Zander Insurance
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Zander Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Zander Insurance partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered flagship, core and minor.
- Dave Ramsey / The Ramsey Show / Lampo GroupflagshipDave Ramsey nationally endorses Zander Insurance and has been their personal agent for approximately 20 years. Zander is the only insurance company endorsed by The Ramsey Show. Dave recommends Zander to his millions of radio listeners and podcast audience. This endorsement represents Zander's primary customer acquisition channel, with Dave promoting their term life, disability, and identity theft protection products.
- AssurantcoreAssurant provides the insurance protection component of Zander Identity Theft Solutions, specifically the stolen funds and expense reimbursement benefits up to $1,000,000. Zander provides the identity theft protection and recovery services while Assurant underwrites the financial reimbursement coverage.
- LTC ConsumerminorZander partners with LTC Consumer to offer long-term care insurance quotes to their customers. LTC Consumer provides advisors who help customers compare and select long-term care insurance plans nationwide.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Zander Insurance competitors and assessment
Company assessmentDirect peers
- Policygenius: Policygenius is an online insurance marketplace aggregating life, disability, home, and auto coverage from multiple carriers. Directly comparable to Zander's independent broker model and cross-sell approach, with a younger/urban customer mix but identical product breadth and revenue model.
- HealthMarkets: HealthMarkets is a national insurance agency distributing health, life, and supplemental products via a phone-based agent network. Comparable to Zander's agent-assisted multi-line distribution model and SMB group benefits focus.
- SelectQuote: SelectQuote is a direct-to-consumer insurance brokerage that distributes life, auto, home, and health products through call-center and online channels. Closely comparable to Zander — both operate national DTC brokerage models targeting high-intent insurance shoppers, with similar per-line brokerage economics.
- IdentityForce (TransUnion): IdentityForce is a direct subscription identity theft protection and credit monitoring service. Directly comparable to Zander Identity Theft Solutions — same subscription tiers, monitoring/recovery feature set, and stolen-funds reimbursement product.
- The Zebra: The Zebra is a digital insurance comparison platform for auto and home with national consumer marketing. Comparable to Zander's independent-broker shopping model and direct-to-consumer quoting funnel, though narrower product breadth.
- EverQuote: EverQuote operates an insurance marketplace connecting consumers with carriers and agents across auto, home, and life. Comparable as a comparator/shopping platform competing for the same insurance-purchasing intent that Zander monetizes via the Ramsey endorsement channel.
- SmartFinancial: SmartFinancial is a digital insurance agency offering auto, home, and life quotes from multiple carriers via online and phone channels. Closely comparable DTC brokerage model with similar reliance on third-party carrier commissions.
Broad incumbents
- Norton LifeLock (Gen Digital): NortonLifeLock is the dominant consumer identity theft protection subscription service with bundled security software (VPN, antivirus). Closely comparable to Zander Elite plans in feature set and pricing tiers, but with massive brand and budget advantages.
- State Farm: State Farm is the largest US personal-lines insurer and captive-agent distribution network. Comparable as a household-name distribution competitor for auto, home, and life; operates with a vastly larger agent footprint than Zander's national phone-and-online model.
Emerging players
- Lemonade: Lemonade is a consumer insurtech using a digital-first, AI-driven platform for renters, home, auto, pet, and life. Comparable target customer (DTC individual insurance buyers), though it operates as a carrier (B-Corp) rather than a broker, making it an emerging competitive force in the same consumer bucket.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks1 record
Key highlights7 records
Customer concentration
Zander Insurance social profiles
Digital presenceZander Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zander Insurance leadership team
Management profileNumber of profiles
Profiles1 record
Zander Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zander Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zander Insurance
What does Zander Insurance do?
Zander Insurance is an independent insurance broker that shops and places policies with hundreds of top-rated insurance carriers on behalf of individual consumers, families, and business owners. Its core offerings center on term life insurance, identity theft protection (Essential and Elite subscription plans), auto, home, and disability insurance for individuals, plus employee benefits, property & casualty, workers' compensation, and business ID theft protection for business clients.
Is Zander Insurance a public or private company?
Zander Insurance is a private company. It is classified as family owned and is currently operating.
When was Zander Insurance founded?
Zander Insurance was founded in 2007. It employs 101 to 250 people.
Where is Zander Insurance based?
Zander Insurance is headquartered in Nashville, United States, in the North America region.
How does Zander Insurance make money?
Two revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are identity Theft Protection Subscriptions.
Who are Zander Insurance's main competitors?
Direct peers on record are Policygenius, HealthMarkets, SelectQuote, IdentityForce (TransUnion), The Zebra, EverQuote and SmartFinancial. Broad incumbents are Norton LifeLock (Gen Digital) and State Farm. Lemonade is listed as an emerging player.
Does Zander Insurance have an API?
No public API is recorded for Zander Insurance.
What industry is Zander Insurance in?
Zander Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAJAOAE, Network Security & Privacy Liability (Third-Party), with a secondary code of FSAIAIAJ, Business Overhead Expense (BOE) Disability Insurance. Its NAICS code is 524210 and its SIC code is 6411.