Forrest T. Jones & Company

What Forrest T. Jones & Company does

Forrest T. Jones & Company (FTJ) is a privately held, family-owned insurance broker and third-party administrator headquartered in Kansas City, Missouri, founded in 1953 and now in its third generation of Jones family ownership. The company operates across five service lines: Association Programs (supporting more than 80 association member insurance programs through brands including AFA Insurance, MemberProgram.com, the Trust for Insuring Educators, and Association HQ), Business Insurance (ProDefender professional liability, textiles industry coverage, cyber, business owner's, and specialty lines), Employee Benefits (group health, supplemental benefits, and the MEUHP self-funded health plan serving 50+ Missouri school districts and 4,600 individuals), Insurance Administration (FTJ Solutions third-party administration for life, health, annuity, and professional liability products), and Financial Planning (FTJ Retirement Advisors and Senior Insurance Medicare-focused distribution). Customer segments span associations and affinity groups, Missouri school districts, seniors/Medicare beneficiaries, and small-to-mid-sized businesses across the United States.

The technology stack combines proprietary and partnered platforms: Agenium serves as the cloud-based SaaS backbone for FTJ Solutions new-business processing with real-time policy issuance and commission assignment; bswift powers benefits administration with its AI assistant Emma; OneShield administers professional liability plans; Microsoft Dynamics CRM and Avaya cloud telephony support the 100% domestic Kansas City call center; and FTJConnect provides self-service portal access for MEUHP participants. AI is applied across phishing detection, benefits enrollment guidance, and a forthcoming AI-powered Medicare prior authorization product in testing across six states. The company also operates wholly owned carrier subsidiaries Fidelity Security Life Insurance Company (FSL) and Fidelity Security Assurance Company (FSAC), which share the new headquarters building.

Revenue is generated through multiple streams: insurance brokerage commissions from carrier partners including Travelers, Chubb, CNA, Cigna, Aetna, Humana, BlueCross BlueShield, United Healthcare, and others; administrative services fees from FTJ Solutions' third-party administration work for carriers, MGAs, and managing underwriters; ASO fees from self-funded plans such as MEUHP; and fee-based financial planning and retirement advisory services through FTJ Retirement Advisors. Pricing is quote-based, premiums are typically paid monthly, and the go-to-market combines sales-led direct agent engagement, channel partnerships through more than 80 association programs, and inside sales via the Kansas City call center. The company holds no external funding, has no institutional investors, and reports no public revenue or earnings disclosures.

Name

Forrest T. Jones & Company

Legal name

Forrest T. Jones & Company, Inc.®

Website

https://ftj.com

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

101–250 employees

Short description

Forrest T. Jones & Company is a family-owned insurance broker and third-party administrator, founded 1953 in Kansas City, serving more than 80 association programs, Missouri school districts via MEUHP, seniors through Medicare products, and businesses across the United States.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Third-Party Administration

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro primary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

Keywords

• Insurance brokerage services
• Third-party administration
• Association insurance programs
• Professional liability insurance
• Employee benefits administration

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: FTJ acts as an insurance broker/administrator providing insurance products and financial services to association members and affinity groups, earning commissions from insurance carriers.
2. Third-Party Administration (TPA) Services: FTJ provides full-service administration including underwriting, billing, customer service, and claims processing for carriers and MGAs, charging administrative services fees.
3. Association Member Insurance Programs: FTJ supports over 80 association member insurance programs through multiple websites, providing specialized insurance coverage through participating professional associations.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Forrest T. Jones & Company is an insurance broker and third-party administrator that distributes and administers insurance products and financial services through association member programs, employer group benefits, business insurance, and individual coverage channels. The company underwrites no risk on its own balance sheet; it earns commissions from carrier partners and service fees for policy administration, billing, claims processing, and customer service delivered to more than 80 association programs, school-district health plans, and carrier/MGA clients nationwide.

Product overview

Forrest T. Jones & Company (FTJ) is a diversified insurance broker and third-party administrator established in 1953, operating as a family-owned enterprise with more than 350 associates. The company offers five core service lines: Association Programs (serving 80+ association member insurance programs through brands like AFA Insurance, MemberProgram.com, and The Trust for Insuring Educators), Business Insurance (including ProDefender professional liability, Textiles Industry Insurance, Cyber Insurance, and Association HQ), Employee Benefits (group health, supplemental benefits, MEUHP self-funded health plan), Insurance Administration (FTJ Solutions third-party administration platform), and Financial Planning (FTJ Retirement Advisors, Senior Insurance division). The product portfolio spans commercial and personal insurance, Medicare solutions, retirement planning, and technology-enabled administration services. The company operates a 100% domestic call center and has developed AI-powered tools including Emma for benefits enrollment and AI-driven insurance administration platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Association Programs Insurance programs for associations and affinity groups designed to deliver member satisfaction and retention; distributed through more than 80 association member insurance programs across professional associations.
• Business Insurance Risk management solutions offering general liability, professional liability, property, cyber, and specialized coverages for businesses, professional firms, and member associations, assembled by FTJ agents working with multiple carriers.
• Employee Benefits Comprehensive employee benefits solutions including group health insurance broker services, self-funded plans, supplemental benefits, and retirement planning for employers and organizations.
• Insurance Administration (FTJ Solutions) Full-service, nationally licensed third-party administration for life, health, annuity, and property & casualty products, providing underwriting, billing, customer service, claims adjudication, and commission management enabled by the Agenium platform.
• Financial Planning Integrated financial services for individuals, families, and organizations including retirement planning, tax-efficient income planning, estate planning, and wealth transfer delivered through FTJ Retirement Advisors.
• Senior Insurance Medicare-focused insurance division helping seniors find coverage including Medicare Supplement, Medicare Advantage, Prescription Drug Plans, Dental, Vision, Hearing, Final Expense, and Hospital Indemnity Plans through licensed Medicare specialists.
• Missouri Educators Unified Health Plan (MEUHP) Non-profit, self-funded health plan created exclusively for Missouri educators and their families, owned and governed by member school districts and serving more than 50 districts and 4,600 individuals through the FTJConnect portal.
• ProDefender FTJ professional liability division offering Accountants Professional Liability, Lawyer Professional Liability, Educators Professional Liability, and D&O Liability coverage for professional firms.
• AFA Insurance Member insurance program for the Air & Space Forces Association, providing specialized coverage for association members.
• MemberProgram.com Platform offering specialized insurance coverage through participating professional associations including NSA, NASSP, MRTA, and state tax societies.
• TXCPA Member Insurance Member insurance program for the Texas Society of Certified Public Accountants providing insurance benefits to CPA association members.
• The Trust for Insuring Educators (TIE) Provides insurance benefits to members of educational associations across the United States, serving more than 60 national education associations as FTJ's largest individual account.
• Association HQ Insurance programs designed for professional associations, addressing their specific coverage needs and resource constraints with insurance and risk-management solutions.
• Textiles Industry Insurance Program Specialized insurance program endorsed by the Advanced Textiles Association covering General Liability, Property, Inland Marine, Manufacturers E&O, Commercial Auto, Workers Compensation, Cyber, and Employment Practices Liability for textiles manufacturers, fabricators, and installers serving 1,400+ ATA member businesses.
• FTJ Retirement Advisors FTJ retirement planning and wealth management division providing guidance on 401(k), 403(b), and 457 plans, investment options, and personalized retirement strategies led by Director Brian Holland.

Quantifiable outcome

• 99th percentile NIST Cybersecurity Framework ranking
• +3 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability7 records

Feature4 records

Partnerships

27 partnerships are on record, tiered core, primary and minor.

• Advanced Textiles Association (ATA)coreStrategic or Co-development Partner · 1 January 2025FTJ entered a partnership with the Advanced Textiles Association to offer insurance coverages for member companies including General Liability, Property, Inland Marine, and Manufacturers E&O Insurance. Information displayed on ATA website as the association's endorsed insurance provider.
• Travelers InsuranceprimaryOthers · 1 January 2025Primary underwriter for FTJ's textiles industry insurance program alongside Chubb and CNA Insurance.
• ChubbprimaryOthers · 1 January 2025Primary underwriter for FTJ's textiles industry insurance program alongside Travelers and CNA Insurance.
• CNA InsuranceprimaryOthers · 1 January 2025Primary underwriter for FTJ's textiles industry insurance program alongside Travelers and Chubb.
• ArgominorOthersCarrier partner offering insurance products through FTJ distribution.
• BerkleyminorOthersCarrier partner offering insurance products through FTJ distribution.
• Farmers InsuranceminorOthersCarrier partner offering insurance products through FTJ distribution.
• CignaminorOthersCarrier partner for health and Medicare insurance products.
• The HartfordminorOthersCarrier partner offering insurance products through FTJ distribution.
• Berkshire Hathaway Guard Insurance CompaniesminorOthersCarrier partner offering insurance products through FTJ distribution.
• New York LifeminorOthersCarrier partner offering insurance products through FTJ distribution.
• MetLifeminorOthersCarrier partner offering insurance products through FTJ distribution.
• TravelersminorOthersCarrier partner offering insurance products through FTJ distribution.
• Great American Insurance GroupminorOthersCarrier partner offering insurance products through FTJ distribution.
• TrisuraminorOthersCarrier partner offering insurance products through FTJ distribution.
• Mutual of OmahaminorOthersMedicare supplement insurance carrier partner for FTJ Senior Insurance.
• AetnaminorOthersMedicare and health insurance carrier partner for FTJ Senior Insurance.
• HumanaminorOthersMedicare Advantage and health insurance carrier partner for FTJ Senior Insurance.
• BlueCross BlueShieldminorOthersHealth insurance carrier partner for FTJ Senior Insurance.
• United Health CareminorOthersMedicare Advantage and health insurance carrier partner for FTJ Senior Insurance.
• Devoted HealthminorOthersMedicare Advantage carrier partner for FTJ Senior Insurance.
• bswiftcoreTechnology or IntegrationTechnology partnership for benefits administration platform. FTJ uses bswift's highly secure, feature-rich platform with AI wizard Emma for employee benefit selections. Supports unlimited products and providers for thousands of employers and 16 million employees.
• AgeniumcoreTechnology or IntegrationCloud-based SaaS platform used as backbone for FTJ Solutions' new-business processing, enabling real-time policy issuance, commission assignment, and document generation with seamless integration to legacy environments and third-party data sources.
• Barnes Jewish HospitalminorOthersMEUHP network provider - top-tier local healthcare provider for Missouri school district employees.
• University of Missouri HospitalminorOthersMEUHP network provider - top-tier local healthcare provider for Missouri school district employees.
• University of Kansas Medical CenterminorOthersMEUHP network provider - top-tier local healthcare provider for Missouri school district employees.
• Mercy Health SystemminorOthersMEUHP network provider - top-tier local healthcare provider for Missouri school district employees.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Brown & Brown Insurance: National insurance broker and program manager with significant association and affinity distribution. Directly comparable to FTJ's association-program and commercial brokerage model, though operating at much larger scale across multiple lines of business.
• Hub International: North American insurance brokerage offering commercial, personal, and employee benefits solutions. Comparable to FTJ across business lines, particularly in affinity-group and program-business distribution.
• AGIA Affinity Services: Affinity-group insurance program administrator and broker. Directly comparable to FTJ's association member insurance program business, and a known prior employer of multiple FTJ affinity account-management leaders.
• USI Insurance Services: Mid-market-focused insurance brokerage and consulting firm with strong employee-benefits practice. Competes with FTJ in serving associations, employers, and senior/executive benefits programs.
• Heffernan Insurance Brokers: Independent insurance brokerage offering commercial, personal, and employee-benefits coverage. Comparable to FTJ in mid-market and association distribution; similar size and growth posture.
• Lockton Companies: Large independent insurance brokerage headquartered in Kansas City with affinity, association, and benefits practices. Closest geographic and structural peer to FTJ, with comparable family-founded heritage and mid-market employer focus.
• AmeriTrust Group: Specialty insurance program administrator and managing general agent. Comparable to FTJ's ProDefender and FTJ Solutions TPA businesses, particularly in underwriting and program administration for professional liability and niche commercial lines.

Broad incumbents

• AssuredPartners: Large national insurance brokerage operating across commercial, personal, and benefits lines. Comparable in product breadth to FTJ, with greater geographic scale and PE-backed growth orientation.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management services firm with deep affinity/association programs and benefits consulting. Overlaps directly with FTJ's association, commercial, and employee-benefits offerings, but operates at significantly greater scale.

Emerging players

• OneDigital: Tech-enabled employee-benefits and insurance brokerage with PE backing. Comparable to FTJ in benefits administration, MEUHP-style self-funded arrangements, and senior-market products, though more digitally native and acquisitive.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ftjseniorinsuranceinc
• Facebookfacebook.com/ForrestTJonesandCompany
• LinkedInlinkedin.com/company/forrest-t--jones
• Instagraminstagram.com/ftjseniorinsurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries10 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 Forrest T. Jones & Company