Brokers Clearing House

What Brokers Clearing House does

Brokers Clearing House (BCH) is a boutique Brokerage General Agency (BGA) and wholesale insurance distributor founded in 1975 and headquartered in West Des Moines, Iowa. The company serves licensed insurance advisors and financial professionals — its primary customer segment — by providing access to more than 20 top insurance carriers (including Prudential, NY Life, John Hancock, Lincoln Financial, Athene, Pacific Life, Principal, and Corebridge Financial) and a multi-line product shelf spanning life insurance (term, IUL, UL, VUL, whole life, survivorship, final expense, simplified/guaranteed issue), fixed and indexed annuities, long-term care, Medicare supplements, disability income, and life settlements. BCH earns revenue primarily through carrier commissions on placed business and, secondarily, through recurring agent affiliation fees giving access to its member portal and concierge support. Distribution operates exclusively through affiliated advisors in all 50 U.S. states; BCH does not sell direct-to-consumer, and agents receive full commissions upon policy issuance.

Underlying technology is deliberately light: the operational stack centers on ASAPlife.com (a drop-ticket and quote platform for term life), a WordPress-authenticated Member Portal for contracted agents, and add-on service processes (Policy Performance Evaluation, LTC Insurance Evaluation, Business Owner Services, and Dan Allison's Feedback Marketing Group referral system). BCH differentiates on high-touch, consultative service rather than proprietary software: its average employee tenure of 18 years is the company's defining asset, paired with underwriting/legal/accounting resources made available through its founding partner status in LIBRA Insurance Partners (a network of 50+ brokerage firms) and its 2021 affiliation with Integrity Marketing Group. Compliance posture covers HIPAA (as Business Associate), GLBA, CCPA, and GDPR for handling PHI and non-public personal information collected from lead vendors and carriers.

The go-to-market model is B2B, channel-partner and sales-led: BCH recruits and onboards licensed advisors via its website, phone, and partner referrals; once affiliated, advisors use the member portal to access carrier contracts, submit cases, and run policy reviews; concierge staff (case managers, commission managers, an Annuity Director, and a Concierge Director) handle back-office work — application completion, paramed scheduling, underwriting follow-up, and commission processing — so that advisor time per case is minimized. Pricing is transaction-based (carrier commissions on placed business) with implicit recurring component from agent affiliation. No public pricing tiers or commission schedules are disclosed.

Name

Brokers Clearing House

Legal name

Brokers Clearing House LLC

Website

https://bchlife.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

Brokers Clearing House is a West Des Moines-based Brokerage General Agency, founded 1975, that gives licensed insurance and financial advisors wholesale access to 20+ top carriers and multi-line products (life, annuity, LTC, Medicare supplements, disability, life settlements) across all 50 U.S. states.

Ownership category

akta.pro rank

Headquarters

HQ city

West Des Moines

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission-based brokerage: Brokers Clearing House earns commissions from insurance carriers for placing business. Agents receive full commission as soon as cases are issued, delivered, and placed. The company operates on a fiduciary-style approach, recommending products based on client needs rather than commission-driven incentives.
2. Agent affiliation fees: Insurance agents pay to affiliate with Brokers Clearing House to access carrier relationships, products, and support services through the member portal.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Brokers Clearing House is a wholesale brokerage general agency that distributes life insurance, annuities, long-term care, Medicare supplements, disability income, and life settlement products from more than 20 top-rated insurance carriers to licensed insurance advisors and financial professionals nationwide. It complements product access with concierge-level support services including policy performance evaluations, LTC assessments, referral consulting, and a digital term life sales platform.

Product overview

Brokers Clearing House is a boutique insurance wholesale distributor and marketing organization that provides insurance advisors access to over 20 major insurance carriers across multiple product lines. The company operates as a comprehensive resource platform offering Life Products (Term, Universal, Whole Life, Impaired Risk, Final Expense), Annuity Products (Fixed Indexed, MYGA, Fixed), Long Term Care Products, Medicare Supplements, Disability Income Products, and Life Settlements. Additional service modules include a Referral System with Dan Allison consulting, Policy Performance Evaluation tools, Business Owner Services via Principal Financial Group partnership, ASAPlife.com digital platform for term life sales, LTC Insurance Evaluation Process, and a Member Portal for agent access. The company was founded in 1975 and became a founding partner of LIBRA Insurance Partners, now one of the top distributors in the country. In 2021, BCH joined Integrity Marketing Group to expand resources and agent support capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Distribution Wholesale distribution of life insurance products for licensed insurance advisors and financial professionals, spanning Impaired Risk, Term Life, Indexed Universal Life, Universal Life, Variable Universal Life, Whole Life, Life/LTC Combo Products (Linked Benefits), COLI/BOLI, Survivorship Life, Single Premium Life, Simplified Issue Life, Guaranteed Issue Life, Final Expense, and Accidental Death coverage.
• Annuity Distribution Wholesale distribution of annuity products to insurance advisors, including Fixed Indexed Annuities, Multi-Year Guaranteed Annuities, Fixed Annuities, Single Premium Immediate Annuities, Linked Products (Annuities/LTC), and Deferred Income Annuities.
• Long Term Care Insurance Distribution Wholesale distribution of long-term care insurance for advisors, including Executive Carve-Out/Multi-Life, Individual and Joint policies, and Linked Benefit Products (LTC/Annuity; LTC/Life).
• Medicare Supplement Distribution Wholesale distribution of Medicare Supplement insurance products to insurance advisors serving individual consumers.
• Disability Income Insurance Distribution Wholesale distribution of disability income products, including Executive Carve-Out/Multi-Life/Individual, Business Overhead Expense, Key Person, and Critical Illness coverage.
• Life Settlements Wholesale distribution of life settlement options for advisors, covering both permanent and term life insurance settlement opportunities.
• ASAPlife.com Term Life Sales Platform Digital term life insurance sales platform available to BCH advisors. Advisors complete a drop ticket, select products from top carriers, generate quotes, and a BCH customer service representative handles the remaining workflow including phone application, paramed exam scheduling, underwriting review, and commission delivery upon policy issuance.
• Member Portal Secure online portal where affiliated insurance agents register, manage accounts, and access carrier and product resources to support their brokerage workflows.
• Policy Performance Evaluation Service Turnkey in-force policy review service in which advisors spend approximately five minutes to initiate, and BCH staff gather in-force information, analyze the policy, and produce a professionally designed performance report for clients.
• Long Term Care Insurance Evaluation Service Tailored evaluation process for clients lacking LTC coverage or needing assessment of existing policies, including fact finder, needs and coverage analysis, and a comprehensive report presenting multiple solution options.
• Referral System Consulting (Feedback Marketing Group) Consulting-based referral system available to BCH advisors, leveraging Dan Allison's Feedback Marketing Group resources including trainings, videos, step-by-step guides, templates, and audio training to help advisors earn client referrals.
• Business Owner Services (Principal Financial Group Partnership) Partnership-based service offering business owners a comprehensive review of existing buy-sell arrangements and complimentary business valuations to determine insurance coverage needs, supported by Principal Financial Group's legal and accounting professionals.

Quantifiable outcome

• Deep client relationships and revenue growth without aggressive selling
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• Integrity Marketing GroupflagshipStrategic or Co-development Partner · 1 January 2021In 2021, Brokers Clearing House joined Integrity Marketing Group as a portfolio company. This partnership expanded BCH's resources and agent support capabilities while maintaining its boutique service model and brand identity. BCH's history of high-quality service and trust-based relationships made it a strong fit for Integrity's ecosystem.
• LIBRA Insurance PartnersflagshipStrategic or Co-development PartnerBrokers Clearing House is a founding partner of LIBRA Insurance Partners, one of the top distributors of insurance products in the country. This affiliation combines the talents and resources of more than 50 brokerage firms in the United States, providing advisors access to top resources, carriers, and products nationwide.
• Principal Financial GroupcoreStrategic or Co-development PartnerBCH works with Principal Financial Group to provide advisors access to dedicated teams of legal and accounting professionals for business owner services including buy-sell arrangement reviews and complimentary business valuations.
• Feedback Marketing Group (Dan Allison)coreGTM or Marketing PartnerDan Allison, Managing Partner of BCH, founded the Feedback Marketing Group - an internationally known consulting firm helping thousands of insurance advisors globally leverage client relationships and earn referrals. This provides BCH advisors exclusive access to training materials, videos, step-by-step guides, and audio training on referral strategies.
• Top Insurance Carriers (20+)coreChannel Partner/ Reseller/ DistributorBCH maintains relationships with 20+ top insurance carriers including Prudential, Foresters Financial, NY Life, Athene, American National, Americo, Corebridge Financial, Gerber, Nationwide, North American, Protective, John Hancock, Pacific Life, Principal, CIC, EquiTrust, Banner Life, Oceanview, Sagicor, RS Investment, and Lincoln Financial. These carrier relationships enable BCH to offer comprehensive product access to its advisor network.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Ash Brokerage: Insurance wholesale brokerage and BGA distributing life insurance, annuity, long-term care, and disability products from multiple top-rated carriers to financial professionals — directly overlapping BCH's product breadth, distribution model, and target advisor channel.
• Crump Life Insurance Services: A leading wholesale life insurance brokerage distributing products from many top carriers to independent producers — a directly comparable BGA peer to BCH in life, annuity, and LTC distribution.
• Simplicity Group Holdings: Wholesale insurance marketing organization offering life, annuity, and LTC products from multiple carriers to financial advisors — closely mirrors BCH's multi-carrier, multi-product wholesale distribution model.
• LifeMark Partners: A life insurance IMO providing access to multiple top-rated carriers and supporting independent producers with case design and back-office tools — directly comparable to BCH's advisor-focused wholesale model.
• ANNEXUS: Wholesale distributor of fixed and fixed indexed annuities and life insurance products through financial advisors — overlaps with BCH's annuity and life distribution franchise.

Broad incumbents

• World Insurance Associates: A large, rapidly growing insurance brokerage aggregating agents and BGAs across the U.S.; competes with BCH for producer relationships and is a likely competitive threat as the IMO market consolidates.
• SelectQuote: Direct-to-consumer insurance distributor (term life, senior health, etc.) that bypasses the advisor channel — represents a structural disintermediation threat to BGAs like BCH whose advisors sell into overlapping consumer segments.

Others

• iPipeline: A leading technology provider of digital solutions for the life insurance and financial services industry — comparable as the upstream tech enabler whose platforms compete with BCH's proprietary ASAPlife.com and member portal.
• Integrity Marketing Group: BCH's parent company and one of the largest independent insurance distribution platforms in the U.S. — included as a peer given BCH operates as a portfolio company and competes indirectly for advisors and carrier allocations within Integrity's ecosystem.

Regional players

• DFW Insurance Group: A Texas-based BGA distributing life, annuity, and supplemental health products from multiple carriers to financial professionals — comparable wholesale distribution model with a regional concentration differing from BCH's all-50-state footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@brokersclearinghouse9551
• Facebookfacebook.com/brokersclearinghouse
• LinkedInlinkedin.com/company/brokers-clearing-house
• Xx.com/BCH_Life

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Brokers Clearing House