Empower Brokerage
Empower Brokerage is a privately held Field Marketing Organization that contracts with 130+ insurance carriers and supports 8,000+ independent agents distributing Medicare, health, life, and ancillary insurance products across the United States.
- Company typePrivate
- Founded1975
- HeadquartersSouthlake, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Empower Brokerage does
Empower Brokerage, Inc. is a privately held, family-owned Field Marketing Organization (FMO) headquartered in Southlake, Texas, that recruits, contracts, trains, and supports independent insurance agents distributing health, Medicare, life, and ancillary insurance products across the United States. The company was founded in 1975 (one source lists 2003) and operates from 6+ offices with an internal staff of 101-250 employees; its contracted independent agent network exceeds 8,000. Empower's core platform comprises proprietary tooling — LeadServ CRM for lead management, Lead Maximizer for lead generation and prospecting, SunFire for multi-carrier quoting (MAPD/PDP, Medicare Supplement, SNPs, ancillary), iPipeline for instant quote and policy management, WinFlex for permanent life illustrations, and iGo e-App for electronic application submission with smart e-signature — supported by Empower University, a 24/7 self-paced training program with 200+ live trainings annually. The company holds contracts with 130+ insurance carriers including United Healthcare, Humana, Blue Cross Blue Shield, Aetna, Kaiser Permanente, Aflac, Transamerica, Mutual of Omaha, Lincoln Financial, and others.
Empower's revenue model is transaction-based: the FMO earns carrier-funded commissions and overrides when contracted agents sell policies, which are then shared with agents through override structures. Secondary revenue comes from agent contracting, back-office support services, and underwriting assistance. Pricing is quote-based and not publicly disclosed; agent compensation is negotiated through carrier contracts. The go-to-market motion is exclusively through channel partners — Empower does not sell directly to consumers but rather equips agents who then sell to Medicare beneficiaries, individual health shoppers, and small-business employers. Recent product and partnership moves include the launch of Individual Coverage Health Reimbursement Arrangement (ICHRA) training and support targeting small-business employers, and a strategic partnership with Aflac Incorporated to distribute supplemental insurance products through the agent network. The company has received recognition including CMS Circle of Champions (2022) and Humana Customer Satisfaction awards (2018), and engages in community philanthropy as part of its brand-building in core markets.
Empower Brokerage firmographics
Firmographics- Name
- Empower Brokerage
- Legal name
- Empower Brokerage, Inc.
- Website
- https://empowerbrokerage.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Empower Brokerage is a privately held Field Marketing Organization that contracts with 130+ insurance carriers and supports 8,000+ independent agents distributing Medicare, health, life, and ancillary insurance products across the United States.
- Ownership category
- akta.pro rank
Empower Brokerage industry classification
Industry- Product category
- Insurance Distribution Services
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD), Insurance Program Administration & MGA/MGU Services (FSAEADAK), Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
Keywords
Where Empower Brokerage is headquartered
LocationHeadquarters
- HQ city
- Southlake
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Empower Brokerage business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Commissions: Empower Brokerage earns commissions from insurance carriers when agents sell policies. These commissions are shared with agents through override structures. The FMO model is funded through carrier-funded overrides which are shared with agents.
- Agent Contracting and Support Services: Revenue generated from contracting independent agents with insurance carriers, providing back-office support, underwriting assistance, and processing services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Commission-based model for independent insurance agents |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
Empower Brokerage product offering
Product offeringCore offering
Empower Brokerage operates as a Field Marketing Organization (FMO) that recruits, contracts, and supports independent insurance agents. It provides agents access to 130+ insurance carrier contracts, proprietary technology tools (LeadServ CRM, SunFire, iPipeline, iGo e-App, Lead Maximizer, WinFlex), lead generation programs, back-office underwriting and processing support, and 24/7 training through Empower University. The company enables agents to sell Medicare, health, life, ancillary, and specialty insurance products across the United States.
Product overview
Empower Brokerage operates as a Field Marketing Organization (FMO) providing independent insurance agents with access to a multi-carrier insurance platform. The core offering consists of proprietary technology tools (LeadServ CRM, Lead Maximizer, SunFire quoting platform, iPipeline, WinFlex, iGo e-App) combined with access to 130+ insurance carriers offering health, Medicare, life, and ancillary products. The platform is complemented by Empower University training resources and marketing support services. Agents can quote and submit business for MAPD/PDP, Medicare Supplements, SNPs, ACA plans, ICHRA, life insurance, short-term medical, hospital indemnity, dental/vision/hearing, travel medical, and occupational accident products.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Products Medicare insurance offerings including Medicare Advantage and Part D prescription drug plans (MAPD/PDP), Medicare Supplement (Med Supp), and Special Needs Plans (SNPs), facilitated through 130+ carrier partnerships and sold to Medicare beneficiaries by independent agents.
- Health Insurance Products Individual and group health insurance products including ACA-compliant marketplace plans, short-term medical coverage, and ancillary options, sold by agents through carrier partnerships.
- Life Insurance Products Life insurance solutions including term life, whole life, indexed universal life (IUL), and final expense products sold by agents through carrier partnerships.
- Ancillary Products Supplemental insurance products including dental, vision, hearing (DVH Plus), hospital indemnity, and other supplemental coverage sold by agents.
- Individual Coverage Health Reimbursement Arrangement (ICHRA) Health reimbursement arrangement providing employers, especially small businesses, with a flexible, tax-free health insurance reimbursement solution that allows employees to choose their coverage with job portability.
- Travel Medical Insurance (Patriot) Travel medical insurance product for individuals traveling domestically or internationally.
- Discount Medical Plan Discount medical plan offering reduced rates on medical services and prescriptions for members.
- Commercial Occupational Accident Insurance Occupational accident insurance coverage for commercial workers and contractors.
- Empower University 24/7 access training platform offering in-depth, self-paced courses on insurance products, sales strategies, and certifications, complemented by nationwide seminars, 200+ live trainings annually, and six-day-a-week phone and email support.
Quantifiable outcome
- Access to 130+ insurance carriers
- +5 more outcomes
Companies that use Empower Brokerage
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
Empower Brokerage technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Empower Brokerage partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered core and minor.
- AflaccorePartnership with Aflac Incorporated enabling over 8,000 agents to sell Aflac insurance products. The collaboration provides agents with access to sales support, contracting, commissions, and bonuses, expanding Aflac's reach in the U.S. insurance market.
- WellcareminorCommunity partnership for Thanksgiving food drive benefiting families in the Dallas-Fort Worth area. Charitable collaboration supporting local communities.
- Me Squared Cancer FoundationminorDonated $15,000 to assist newly-diagnosed cancer patients. Company supports this foundation through ongoing financial contributions as part of community philanthropy.
- Pat Green FoundationminorOngoing financial contributions to support the foundation's mission. Part of Empower Brokerage's commitment to pairing insurance business success with charitable giving.
- HealthSpring (Cigna)coreCarrier partner providing Medicare Advantage and Part D prescription drug plans through Empower's agent network.
- United HealthcarecoreMajor health insurance carrier partner offering Medicare Advantage, individual health, and employer-sponsored plans through Empower's agent platform.
- HumanacoreKey carrier partner for Medicare Advantage and Medicare Supplement products, recognized for customer satisfaction awards to Empower.
- Blue Cross Blue ShieldcoreNational carrier partnership providing health insurance products across multiple states through Empower agents.
- AetnacoreMajor health insurance carrier offering Medicare and individual health products through Empower's distribution network.
- Kaiser PermanentecoreHealthcare carrier partner offering health maintenance organization plans through Empower agents.
- TransamericacoreLife insurance and financial services carrier partner for life insurance products, IUL, and retirement solutions.
- Mutual of OmahacoreMedicare Supplement and life insurance carrier offering products through Empower's agent network.
- WellabecoreCarrier partner for short-term care and health insurance products, also involved in community giving initiatives.
- AmbettercoreHealth insurance marketplace carrier partner offering individual health plans through Empower agents.
- Centene (Allwell)coreMedicare Advantage brand under Centene Corporation (Fortune 500), offering national brand products through Empower's agent network.
- Alignment HealthminorMedicare Advantage carrier partner offering specialized health plans through Empower agents.
- Zing HealthminorMedicare Advantage carrier partner providing health plan options through Empower's distribution.
- Lincoln FinancialcoreLife insurance and retirement solutions carrier for annuity and life insurance products.
- ANICO (American National)coreLife insurance carrier offering life insurance and annuity products through Empower agents.
- American AmicableminorLife insurance carrier providing final expense and life insurance products.
- North American CompanycoreLife insurance carrier with enhanced underwriting solutions and life insurance products for Empower agents.
- AssuritycoreLife and disability insurance carrier offering products through Empower agents with incentive programs.
- F&G (Fidelity and Guaranty Life)minorAnnuity and life insurance carrier partner for Empower agents.
- NLG (National Life Group)coreLife insurance carrier offering term life and other life products with agent incentives.
- AmeritasminorDental and vision insurance carrier partner for ancillary products.
- Delta DentalminorDental insurance carrier providing dental coverage products through Empower agents.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Empower Brokerage competitors and assessment
Company assessmentDirect peers
- Ritter Insurance Marketing: One of the largest independent FMOs/IMOs in the U.S., offering multi-carrier Medicare, ACA, and life product access to tens of thousands of agents with proprietary technology and training. Closest direct analog to Empower's FMO model and scale.
- Family First Life: Independent IMO/MGA providing life insurance and retirement products to a national network of agents with carrier contracts, training, and marketing support. Directly comparable FMO/IMO model, primarily in life and annuity lines.
- Symmetry Financial Group: Large independent IMO distributing life, mortgage protection, and retirement products through a national agent network with carrier contracts, lead programs, and training. Directly comparable distribution/agent model to Empower, though skewed toward life products.
Broad incumbents
- AmeriLife: Large, PE-backed insurance distribution platform that owns/operates multiple FMOs and IMOs distributing Medicare, life, and annuity products. Broader portfolio of distribution brands than Empower but operating in the same FMO/intermediary category.
- Integrity Marketing Group: Leading U.S. distributor of life, health, Medicare, and annuity products through a national network of agents and agencies. Acquisitive consolidator in the FMO/IMO space with materially greater scale and capital backing than Empower.
- SelectQuote: Public-facing insurance distribution company focused on term life, Medicare, and senior products. Competes with Empower in the Medicare and life insurance space via a direct-to-consumer agent model with large-scale carrier partnerships.
- eHealth: Online health insurance marketplace distributing Medicare, ACA, and individual/family health plans. Represents a different go-to-market (DTC) but competes for the same Medicare/ACA consumers Empower's agents serve.
- GoHealth: Medicare-focused insurance distribution platform operating a large agent network and proprietary technology. Closest scaled competitor to Empower in Medicare Advantage distribution via agent channels.
Emerging players
- HealthPlanOne: Insurance broker specializing in Medicare and individual health products distributed through call center and online channels. Comparable in product focus (Medicare, ACA) but operates via different distribution channels than Empower.
- Policygenius: Insurtech-enabled insurance broker distributing life, disability, and home/auto coverage through a digital platform with licensed agents. Comparable to Empower in offering multi-carrier life and supplemental products, though with a DTC/tech-led model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Empower Brokerage social profiles
Digital presenceEmpower Brokerage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Empower Brokerage leadership team
Management profileNumber of profiles
Empower Brokerage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Empower Brokerage 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 Empower Brokerage
What does Empower Brokerage do?
Empower Brokerage operates as a Field Marketing Organization (FMO) that recruits, contracts, and supports independent insurance agents. It provides agents access to 130+ insurance carrier contracts, proprietary technology tools (LeadServ CRM, SunFire, iPipeline, iGo e-App, Lead Maximizer, WinFlex), lead generation programs, back-office underwriting and processing support, and 24/7 training through Empower University. The company enables agents to sell Medicare, health, life, ancillary, and specialty insurance products across the United States.
Is Empower Brokerage a public or private company?
Empower Brokerage is a private company. It is classified as family owned and is currently operating.
When was Empower Brokerage founded?
Empower Brokerage was founded in 1975. It employs 101 to 250 people.
Where is Empower Brokerage based?
Empower Brokerage is headquartered in Southlake, United States, in the North America region.
How does Empower Brokerage make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are agent Contracting and Support Services.
Who are Empower Brokerage's main competitors?
Direct peers on record are Ritter Insurance Marketing, Family First Life and Symmetry Financial Group. Broad incumbents are AmeriLife, Integrity Marketing Group, SelectQuote, eHealth and GoHealth. Emerging players are HealthPlanOne and Policygenius.
Does Empower Brokerage have an API?
No public API is recorded for Empower Brokerage.
What industry is Empower Brokerage in?
Empower Brokerage's product category is Insurance Distribution Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of HLAEADAD, Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO). Its NAICS code is 52421 and its SIC code is 6411.