3 Mark Financial
3 Mark Financial is a privately held IMO/BGA that connects independent insurance producers with 15+ leading life and annuity carriers, distributing life insurance, annuities, disability, long-term care, and equity products nationwide via its My 3 Mark portal.
- Company typePrivate
- Founded1985
- HeadquartersSugar Land, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What 3 Mark Financial does
3 Mark Financial, Inc. is a privately held Independent Marketing Organization (IMO) and Broker General Agent (BGA) headquartered in Sugar Land, Texas, founded in 1985. The company operates a wholesale insurance distribution platform that connects independent insurance producers, agents, and agency managers with 15+ top-tier life insurance and annuity carriers, including Allianz, Banner Life, Columbus Life, Corebridge Financial, John Hancock, Lincoln Financial, MassMutual, Mutual of Omaha, National Life Group, Nationwide, North American, Protective, Prudential, Securian, and Symetra.
The firm's product surface spans life insurance (term, universal life, whole life, indexed universal life), fixed and variable annuities, disability insurance, long-term care and Medicare solutions, equities, life settlements, hybrid products, and specialized longevity planning resources. Operationally, the company runs the 'My 3 Mark Portal,' a producer-facing platform that integrates iPipeline for term and UL quoting, iGO forms processing, case management, and e-Solutions workflows. The firm also operates an educational content engine — including co-marketed carrier webinars, the 'Producer Essentials' newsletter, the 'In The Loop' publication, and a video series titled '3 Minutes with 3 Mark' — to recruit and retain affiliated producers.
Revenue is generated through override commissions earned from carriers on policies placed by the affiliate producer network, with compensation plans tailored per producer from individual agents up to agencies. The company also pursues cross-sell relationships with P&C agencies, CPA firms, broker-dealers, and other industry professionals as referral sources. The firm has 51-100 employees, no disclosed funding rounds, no recent M&A activity, and is led by Bill Propper as President and CEO.
3 Mark Financial firmographics
Firmographics- Name
- 3 Mark Financial
- Legal name
- 3 Mark Financial, Inc.
- Website
- https://3mark.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- 3 Mark Financial is a privately held IMO/BGA that connects independent insurance producers with 15+ leading life and annuity carriers, distributing life insurance, annuities, disability, long-term care, and equity products nationwide via its My 3 Mark portal.
- Ownership category
- akta.pro rank
Where 3 Mark Financial is headquartered
LocationHeadquarters
- HQ city
- Sugar Land
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
3 Mark Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Commission-based revenue: 3 Mark Financial operates as an Independent Marketing Organization (IMO) in the insurance industry, earning commissions from insurance carriers for placing business through their network of producers and affiliates. The company provides access to multiple insurance carriers and products, earning override commissions on sales made by their affiliate network.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
3 Mark Financial product offering
Product offeringCore offering
3 Mark Financial operates as an Independent Marketing Organization (IMO) and Broker General Agent (BGA) that connects independent insurance producers with a network of more than 15 leading insurance carriers. The firm distributes life insurance, annuities, disability insurance, long-term care, Medicare solutions, and equities, while providing underwriting expertise, case management, and the My 3 Mark producer portal as enabling tools for affiliated agents.
Product overview
3 Mark Financial operates as an independent marketing organization (IMO) connecting insurance producers with a network of leading insurance carriers. The core My 3 Mark platform provides a unified producer portal integrating product access (Life Insurance, Annuities, Disability Insurance, Long-Term Care & Medicare Solutions, Equities), carrier connectivity via iPipeline, case management tools, and e-Solutions. Additional specialized modules include Life Settlements, Longevity Specialists, Hybrid Products, and Playbooks. The platform offers Term/UL Quotes, forms processing through iGO, and My Cases for workflow management. Products span term, universal, whole life, indexed universal life (IUL), disability, long-term care, and annuity categories through partnerships with 15+ core carriers including Allianz, Banner Life, Columbus Life, Corebridge, John Hancock, Lincoln, Mass Mutual, Mutual of Omaha, Nationwide, North American, Protective, Prudential, Securian, and Symetra.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance
- Annuities
- Disability Insurance
- Long-Term Care & Medicare Solutions
- Equities
- Life Settlements
- Longevity Specialists
- Hybrid Products
- Playbooks
- My 3 Mark Portal
Companies that use 3 Mark Financial
Customer profileNamed customers12 records
Segments1 record
Ideal customer profiles1 record
3 Mark Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
3 Mark Financial partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core.
- AllianzcoreCore carrier partner providing life insurance and financial products through the 3 Mark distribution network.
- Banner LifecoreCore carrier partner offering life insurance products through the 3 Mark platform.
- Columbus LifecoreCore carrier partner with long-standing relationship; Jeff Taber, Regional Vice President serves as carrier representative.
- Corebridge FinancialcoreCore carrier partner featured in webinars for annuity and life insurance products.
- John HancockcoreCore carrier partner for life insurance and retirement products, featured in carrier spotlights and webinars.
- Lincoln Financial GroupcoreCore carrier partner featured in carrier spotlights for life insurance and annuity products.
- MassMutualcoreCore carrier partner providing life insurance and financial planning products.
- Mutual of OmahacoreCore carrier partner featured in webinars including IUL opportunities content.
- National Life GroupcoreCore carrier partner featured in carrier spotlights.
- NationwidecoreCore carrier partner offering insurance and financial products.
- North AmericancoreCore carrier partner featured in carrier spotlights including Smart Builder product.
- Protective LifecoreCore carrier partner; Rich Bielen serves as President and CEO and provided testimonial about long-standing relationship.
- PrudentialcoreCore carrier partner featured in Roadmap to Financial Security carrier spotlight.
- Securian FinancialcoreCore carrier partner; Richard Thoma, Regional Sales Manager provides testimonial; described as one of the most ethical, purpose-driven, and efficient BGAs.
- SymetracoreCore carrier partner; Brian Keefe, Regional Vice President provides testimonial; featured in Life Insurance as an Asset Class webinar.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
3 Mark Financial competitors and assessment
Company assessmentDirect peers
- Ash Brokerage: Large independent BGA/IMO distributing life insurance, annuities, and disability products from leading carriers to independent producers nationwide — same IMO/BGA distribution model as 3 Mark, with similar carrier breadth and producer-focused support platform.
- Crump Life Insurance Services: One of the largest BGAs in the U.S., providing life insurance, annuity, and disability case design and placement from a broad carrier shelf to independent producers — direct competitor in the same IMO/BGA distribution channel.
- Creative Marketing International Corporation: Long-standing independent marketing organization distributing life and annuity products from multiple top carriers to a national producer network — closely aligned distribution model and product focus.
- Insurance Producers Service Group (IPSG): Independent BGA serving insurance producers with life insurance, annuity, and wealth-transfer product placement from a multi-carrier shelf — directly comparable IMO/BGA in size, scope, and target customer.
Broad incumbents
- Transamerica Financial Network: Large incumbent carrier-distributor with captive and brokerage distribution arms offering life insurance, annuities, and retirement products — competes for producer relationships and end-customer wallet share at a much larger scale.
- MassMutual Financial Group: Major mutual life insurer and one of 3 Mark's named core carriers; competes via its captive agency system and broader financial services portfolio while remaining an upstream supply partner to IMOs like 3 Mark.
- Prudential Financial: Large incumbent life carrier also named as a 3 Mark core carrier partner; operates proprietary producer distribution alongside third-party IMO/BGA channels, making it both a partner and an indirect competitor.
Emerging players
- Fidelity & Guaranty Life (F&G): Specialty life and annuity carrier building independent distribution through BGAs/IMOs — competitive overlap with 3 Mark's annuity and indexed product focus, though from the carrier side rather than the distribution side.
- Security Benefit: Annuity and retirement product carrier with growing independent BGA distribution — overlaps with 3 Mark's annuity distribution focus and competes for IUL/annuity producer mindshare.
Others
- World Financial Group (Transamerica): Large independent distribution channel for life insurance and investment products with carrier relationships similar to those of 3 Mark; while operating in a different distribution model (career-based vs. BGA), it competes for a similar end market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
3 Mark Financial social profiles
Digital presence3 Mark Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
3 Mark Financial leadership team
Management profileNumber of profiles
Profiles1 record
3 Mark Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
3 Mark Financial 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 3 Mark Financial
What does 3 Mark Financial do?
3 Mark Financial operates as an Independent Marketing Organization (IMO) and Broker General Agent (BGA) that connects independent insurance producers with a network of more than 15 leading insurance carriers. The firm distributes life insurance, annuities, disability insurance, long-term care, Medicare solutions, and equities, while providing underwriting expertise, case management, and the My 3 Mark producer portal as enabling tools for affiliated agents.
Is 3 Mark Financial a public or private company?
3 Mark Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 3 Mark Financial founded?
3 Mark Financial was founded in 1985. It employs 51 to 100 people.
Where is 3 Mark Financial based?
3 Mark Financial is headquartered in Sugar Land, United States, in the North America region.
How does 3 Mark Financial make money?
One revenue line is on record: commission-based revenue.
Who are 3 Mark Financial's main competitors?
Direct peers on record are Ash Brokerage, Crump Life Insurance Services, Creative Marketing International Corporation and Insurance Producers Service Group (IPSG). Broad incumbents are Transamerica Financial Network, MassMutual Financial Group and Prudential Financial. Emerging players are Fidelity & Guaranty Life (F&G) and Security Benefit. World Financial Group (Transamerica) is listed as an others.
Does 3 Mark Financial have an API?
No public API is recorded for 3 Mark Financial.