TLC Insurance Group & Wealth

What TLC Insurance Group & Wealth does

TLC Insurance Group & Wealth is a family-owned insurance brokerage and wealth advisory firm headquartered in Warren, Ohio, founded in 1997 by twin brothers Chris and Craig Villwock. The company focuses on the Medicare-eligible and pre-retirement market in the United States, distributing Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D, individual ACA health plans, ancillary products (dental, vision, hospital indemnity), life and final expense insurance, property & casualty coverage, and annuities through a national network of more than 1,000 affiliated managers and agents and dedicated TLC Retiree Service Centers. A meaningful portion of revenue is generated through employer and union group Medicare relationships — including partnerships with IUE-CWA (with Humana as carrier), the International Association of Machinists, NARVRE (retired railroad employees), Hoover retirees, and HVA — which channel captive retiree populations into TLC's broker-of-record arrangements.

The company's technology footprint centers on the proprietary Nomo Smart Care™ system, a privacy-first, app-based AI home-monitoring platform that uses discreet motion sensors (not cameras), wearable tags with fall detection, and a central Wi-Fi Hub to learn daily routines, detect anomalies (missed medications, sleep-pattern changes, falls), and push alerts to a designated Care Circle; the consumer product is offered at $19.99/month after a 60-day free trial, with iOS and Android apps published. TLC also operates TLC Wealth, a wealth and retirement-planning sub-brand delivering income planning, Social Security optimization, estate and legacy planning, and annuity placement, plus an internal TLC Agent Hub for sales enablement and SmartEnroll enrollment tooling. Core operations are supported by 101–250 employees with named directors across compliance, contracting, commissions/finance, client support, marketing, and strategic partnerships.

TLC's business model is commission-based insurance brokerage — the firm represents 46 organizations offering 189 products in a given market and is paid carrier commissions on policies sold and renewed, with Medicare guidance provided to consumers at no direct cost. This is augmented by a small but growing recurring subscription line from Nomo Smart Care, and by wealth-management fees implicit in TLC Wealth's annuity and retirement-planning engagements. The company is private, family-controlled, and has not disclosed outside institutional capital, outside acquisitions, or audited financials; it reports no regulatory actions in the public record.

Name

TLC Insurance Group & Wealth

Legal name

TLC Insurance Group & Wealth

Website

http://tlcinsurancegroup.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

101–250 employees

Short description

TLC Insurance Group & Wealth is a family-owned U.S. insurance brokerage and wealth advisor based in Warren, Ohio, serving Medicare-eligible seniors, pre-retirees, and employer/union groups through 1,000+ affiliated agents, with Medicare, wealth, and AI home-monitoring (Nomo Smart Care) product lines.

Ownership category

akta.pro rank

Headquarters

HQ city

Warren

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Commissions: TLC Insurance Group generates revenue through commissions paid by insurance carriers for policies sold and renewed. The company represents 46 organizations offering 189 products, earning commissions on Medicare plans, life insurance, annuities, property & casualty, and ancillary products.
2. Nomo Smart Care™ Subscription: The Nomo Smart Care™ system generates recurring subscription revenue at $19.99/month after a 60-day free trial, with no contracts required. This smart home monitoring service is sold alongside insurance products to the senior market.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

TLC Insurance Group & Wealth is an insurance brokerage and wealth advisory firm that sells Medicare (Advantage, Supplement, Part D), individual health, life, final expense, property & casualty, and ancillary insurance products to individuals, while also providing group Medicare solutions to employers and unions. The company distributes these products through a national network of 1,000+ affiliated licensed agents and managers, supported by the TLC Retiree Service Center and TLC Wealth division offering retirement income, estate, and annuity planning. It also offers the proprietary Nomo Smart Care™ AI-powered home monitoring subscription ($19.99/month) as part of its aging-in-place technology portfolio.

Product overview

TLC Insurance Group & Wealth offers a comprehensive portfolio of insurance and wealth management products primarily focused on retirees and those approaching retirement. The core insurance offerings include Medicare Insurance (Medicare Advantage, Supplement, and Part D prescription drug plans), Employer/Union/Group Medicare solutions, Individual Health Insurance (ACA and short-term plans), Ancillary Insurance (dental, vision, hospital indemnity), Property & Casualty Insurance, and Life Insurance & Final Expense. The wealth division, TLC Wealth, provides retirement planning, annuities, and financial planning services. The company also partners with Nomo Smart Care to offer a privacy-first AI-powered home monitoring system for seniors. Group Medicare offerings are available through specific union and employer partnerships including IUE-CWA, NARVRE, IAM, Hoover, and HVA. The company serves individuals, families, employers, and unions through a national network of over 1,000 managers and affiliates.

Differentiator

Problem solved

Functional benefit

Brands

• Nomo Smart Care™: Privacy-first, app-based AI home monitoring system for seniors featuring motion sensors, fall detection, medication tracking, and 24/7 emergency support. Monthly subscription at $19.99 with 60-day free trial.
• TLC Wealth
• Nomo Hub
• Nomo Satellites
• Nomo Tags

Products and services

• Medicare Insurance

Quantifiable outcome

• No-cost Medicare support to retirees, spouses, and surviving spouses through TLC Retiree Service Center
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• Nomo Smart Care™coreStrategic or Co-development Partner · 10 October 2025TLC Insurance Group announced a strategic partnership with Nomo Smart Care to provide Medicare-eligible seniors and their families with guidance and technology to support aging in place at home. The collaboration combines TLC's Medicare expertise with Nomo Smart Care's privacy-first, app-based AI technology to offer personalized education, enrollment support, and proactive daily-living solutions including fall detection, medication tracking, and 24/7 emergency support.
• HumanacoreTechnology or IntegrationTLC Insurance Group partners with Humana to offer the IUE-CWA Group Medicare Advantage plan with integrated prescription drug coverage. The PPO plan provides nationwide access to care with identical benefits for in-network and out-of-network providers.
• IUE-CWAcoreChannel Partner/ Reseller/ DistributorTLC Insurance Group partners with the IUE-CWA union to provide Group Medicare solutions to retired members and their spouses. Services include personalized Medicare guidance, complimentary plan reviews, and access to competitively priced dental and vision coverage.
• NARVREcoreChannel Partner/ Reseller/ DistributorTLC Insurance Group partners with NARVRE, a national organization advocating for retired and veteran railroad employees. The partnership provides access to expert Medicare guidance, free personalized plan reviews, and exclusive dental/vision plans for NARVRE members, spouses, and surviving spouses.
• IAM (International Association of Machinists)coreChannel Partner/ Reseller/ DistributorEBS and TLC partner with the IAM to support retirees as they transition into Medicare and beyond. The EBS/TLC Retiree Service Center provides direct, personalized support including guidance on Medicare Supplements, Advantage Plans, Prescription Drug Plans, Dental, and Vision plans.
• HoovercoreChannel Partner/ Reseller/ DistributorTLC Insurance Group provides resources and group Medicare solutions for Hoover retirees. The partnership offers strong retiree medical benefits, simple access to care, and complimentary Medicare plan evaluations with affordable dental and vision coverage options.
• HVA (Hudson Valley Atria)minorChannel Partner/ Reseller/ DistributorHVA partners with TLC Senior Solutions to provide free Medicare plan reviews and exclusive dental and vision plan offerings to Medicare-eligible residents and family members. Services include personalized plan reviews and next-day coverage options.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• eHealth: Online Medicare marketplace serving individual seniors and small employers with Medicare, ACA, and ancillary products. Directly comparable online/offline brokerage model and customer segments to TLC's Medicare agency operations.
• GoHealth: Medicare-focused health insurance brokerage that sells Medicare Advantage, Supplement, and Part D plans to senior consumers; recently taken private by CD&R. Competes directly with TLC for the same Medicare-eligible senior cohort via licensed-agent distribution.
• Mutual of Omaha: Mutual insurer offering Medicare Supplement, life insurance, annuities, and retirement products directly to seniors and pre-retirees. Directly overlaps TLC's Medicare Supplement, life, and annuity product stack and senior target market.
• Bankers Life: Subsidiary of CNO Financial Group that sells Medicare Supplement, life insurance, annuities, and long-term care to middle-income Americans nearing or in retirement. Closely mirrors TLC's retiree-focused insurance distribution and field-agent model.
• SelectQuote: Publicly traded Medicare-focused insurance agency selling Medicare Advantage, Supplement, and ancillary products to seniors via phone/digital channels. Closest scaled direct competitor to TLC's Medicare agency model with multi-carrier representation and cross-sell economics.

Emerging players

• Blueprint Income: Online annuity marketplace that helps retirees and pre-retirees compare and purchase annuity products directly. An emerging digital distribution competitor to TLC's TLC Wealth annuity placement model.

Broad incumbents

• Humana: Largest U.S. Medicare Advantage carrier and TLC's flagship carrier partner. Operates the underlying insurance products TLC distributes and competes as both supplier and increasingly as DTC channel for the same senior buyer.
• CVS Health (Aetna): Major Medicare Advantage carrier through Aetna and owner of Oak Street Health. Competes as both an upstream carrier and a vertically integrated distribution channel for the same Medicare customer base TLC serves.
• New York Life: Large mutual life insurer and annuity provider with a captive agent distribution network. Overlaps TLC's life insurance, final expense, and annuity offerings through TLC Wealth at broader scale and across more product lines.
• Nationwide: Large multi-line insurer offering life insurance, annuities, and retirement plans to individuals and groups. Comparable on the wealth/annuity pillar of TLC's business with established distribution and brand recognition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tlcinsurancegroupandwealth
• LinkedInlinkedin.com/company/tlc-insurance-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 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 TLC Insurance Group & Wealth