Kelsey National Corporation

What Kelsey National Corporation does

Kelsey National Corporation is a privately-held Managing General Agent and Third Party Administrator founded in 1964 and headquartered at 3030 South Bundy Drive, Los Angeles, California. The company markets and administers fully insured group and individual insurance benefit plans — including group and individual medical (HMO, PPO, POS, Indemnity, MSA), dental, disability income, term life, and AD&D coverage — primarily for small businesses, trade and professional association members, and individual consumers across all 50 U.S. states.

The company operates a hybrid distribution model combining a national network of more than 100,000 insurance producers (agents and brokers) with direct-to-consumer eCommerce platforms under company-owned domains: HealthInsurance.com (comparing plans from 20+ carriers), DentalInsurance.com, and RetireeDentalExchange.com. Proprietary product infrastructure includes the AdvanceGroup portfolio of small-group employee benefit plans and the National Group Trust, a Multiple Employer Trust (MET) established in 1973. Supporting technology comprises a consolidated billing system that integrates premiums from multiple carriers onto a single monthly statement and encryption-based security for personally identifying customer information.

Kelsey's revenue model is built on managed-services economics: the company earns commissions and administrative fees from insurance carriers for marketing, plan design, underwriting support, billing, and ongoing administration of group and individual benefit plans, including several Association Trusts. Pricing is quote-based, varies by coverage type, geography, and group size, and is billed monthly with statements issued around the 5th and due on the 15th. Long-standing endorsement relationships with the Independent Insurance Agents of America (IIA), the National Association of Health Underwriters (NAIFA), and the Los Angeles Association of Health Underwriters provide ongoing access to association member bases.

Name

Kelsey National Corporation

Legal name

Kelsey National Corporation

Website

https://kelsey.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

Kelsey National Corporation is a Los Angeles-based Managing General Agent and Third Party Administrator, founded in 1964, distributing health, dental, life, and disability insurance through 100,000+ agents and proprietary eCommerce platforms (HealthInsurance.com, DentalInsurance.com) to small businesses, association members, and individuals across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Third-Party Administration

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Health insurance brokerage
• Dental insurance plans
• Group benefit administration
• Association health plans
• Insurance third-party administration

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance Premium Administration: KNC acts as Managing General Agent and Third Party Administrator for insurance products, earning commissions and fees from insurance carriers for marketing, administering, and managing group and individual benefit plans
2. Association Trust Administration: KNC administers several Association Trusts and Multiple Employer Trust (MET), managing plan design, rates, renewals, and member billing

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Kelsey National Corporation (KNC) operates as a Managing General Agent and Third Party Administrator, marketing and administering fully insured group and individual health, dental, life/AD&D, and disability income insurance products. The company distributes these products through a network of 100,000+ insurance producers across all 50 U.S. states and directly to consumers via its owned eCommerce platforms HealthInsurance.com and DentalInsurance.com.

Product overview

Kelsey National Corporation operates as an insurance broker and third-party administrator offering a multi-brand digital platform for insurance distribution. The core offering consists of HealthInsurance.com (individual/family health insurance comparison from 20+ carriers), DentalInsurance.com (dental insurance comparison), and RetireeDentalExchange.com (retiree dental coverage). For association and business clients, Kelsey offers AdvanceGroup (proprietary group benefit portfolio), National Group Trust (Multiple Employer Trust), and comprehensive group insurance products including medical plans (HMO, PPO, POS, Indemnity, MSA), dental insurance, disability income protection, and life/AD&D insurance. The NAIFA Advantage Plus Disability Income Plan serves NAIFA professional association members specifically.

Differentiator

Problem solved

Functional benefit

Brands

• AdvanceGroup: Proprietary portfolio of group insurance products including medical, dental, life, and disability income plans designed for small businesses and associations.
• National Group Trust

Products and services

• HealthInsurance.com

Quantifiable outcome

• Small employers can access benefits similar to large employers through association health plans
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Los Angeles Association of Health UnderwriterscoreGTM or Marketing PartnerProfessional association membership and endorsement, providing access to members seeking group insurance benefits
• National Association of Health Underwriters (NAIFA)coreGTM or Marketing PartnerNational professional association endorsement for NAIFA Advantage Plus Disability Income Plan, with dedicated Account Manager Amanda Stack handling member inquiries
• Life Underwriters of CaliforniaminorGTM or Marketing PartnerProfessional association membership
• Insurance Agents and Brokers Association of the WestminorGTM or Marketing PartnerProfessional association membership
• Independent Insurance Agents of AmericacoreGTM or Marketing PartnerEndorsed to provide group benefits for IIA members across all 50 states. Offers exclusive insurance programs for state IIA members and their employees
• Professional Insurance Marketing AssociationminorGTM or Marketing PartnerProfessional association membership
• Mass Marketing Insurance InstituteminorGTM or Marketing PartnerProfessional association membership for mass marketing insurance
• A+ Superior Insurance CarrierscoreStrategic or Co-development PartnerKNC has valued relationships with carefully chosen A+-rated insurance carriers who underwrite products offered to individuals, small businesses and association members. KNC works closely with carriers to select plans with most desirable benefits at affordable group rates
• AssociationHealthPlans.comminorGTM or Marketing PartnerReferral and educational partnership for consumers seeking information about association health plans

Scale indicators3 records

Recent moves10 records

Expansion highlights4 records

Others

• Bold Penguin: Bold Penguin is a B2B insurance exchange platform serving commercial agents and brokers with workflow and quoting technology. It is an enabling platform that serves a similar agent/broker distribution channel as KNC's 100,000+ producer network, but does not directly compete on the consumer-facing side.
• MediaAlpha: MediaAlpha operates a customer acquisition platform for insurance and other verticals, connecting insurance buyers with carriers and agents via programmatic and search channels. It serves as an ecosystem enabler for the same high-intent insurance keywords KNC's owned domains target.
• Connected Insurance (by Vertafore): Connected Insurance / Vertafore provides agency management systems and distribution technology to independent insurance agents and brokers. It serves the same producer channel as KNC's distribution network, providing enabling software rather than competing directly for end customers.

Direct peers

• GoHealth: GoHealth is a health insurance marketplace and Medicare-focused lead generator with proprietary technology and a large agent network. It directly competes with KNC's HealthInsurance.com and DentalInsurance.com properties for the same individual and SMB health buyer.
• eHealth: eHealth operates one of the largest individual and family health insurance marketplaces in the U.S., with a comparable online quoting platform and similar lead-generation model. KNC's HealthInsurance.com competes head-to-head with eHealth for the same SMB/individual consumer traffic on overlapping health insurance keywords.
• SelectQuote: SelectQuote is a direct-to-consumer insurance distribution platform selling term life, final expense, and senior health products through a call-center plus online model. It overlaps with KNC's life, health, and senior dental offerings and competes for the same end-customer acquisition funnel.

Broad incumbents

• HealthMarkets: HealthMarkets is a large national insurance brokerage distributing health, Medicare, life, and supplemental products through thousands of captive and independent agents. It operates at much greater scale than KNC in overlapping product lines and serves a similar SMB/individual customer base.
• Aetna (CVS Health): Aetna is one of the largest U.S. health insurance carriers, offering individual, group, and dental products that KNC distributes as an MGA/TPA. As an upstream carrier partner and competitive product source, it is the most material incumbent force shaping KNC's product economics.

Emerging players

• SimplyInsured: SimplyInsured is a digital-first small business health insurance broker focused on the <50 employee market, similar to KNC's small-employer segment. It is a more tech-forward, narrower-scope emerging player in the same association/MET-adjacent SMB group space.
• Benefytt Technologies: Benefytt is a digital insurance distributor focused on health, Medicare, and supplemental products via direct-to-consumer brands. It overlaps with KNC's individual health and dental marketplace strategy but operates with newer technology infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KelseyBenefits

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Kelsey National Corporation