What Apple Insurance and Financial Services does

Apple Insurance and Financial Services is a Florida-licensed full-service insurance agency operating since 2010 from Boca Raton, with a secondary office in Fort Lauderdale. It is the appointed lead agency for Florida Blue Cross Blue Shield in the State of Florida and distributes Blue-branded Medicare Advantage and Supplement plans, individual and family health coverage, group health insurance through the SHOP Marketplace, and ancillary products such as life (term, universal, whole), accidental, long-term care, disability, critical illness, and pet insurance through carrier partnerships including Healthy Paws.

The company generates revenue exclusively through carrier commissions on policies placed, taking no underwriting risk itself. Its revenue stream is best characterized as affiliate-referral or commission-based, with pricing opaque and quote-based on the consumer side and a public anchor of accidental coverage from roughly $0.50 per day. The go-to-market combines phone sales (888.MYBLUE.8), in-person consultations at its two offices, online quote forms that hand off into Florida Blue's websales platform, opt-in SMS, and a Facebook brand presence; customers are segmented horizontally across Medicare beneficiaries, individuals/families, and small businesses.

The agency is a DBA brand under parent/holding company Trucordia Insurance Services, LLC, which holds the website copyright and back-office infrastructure. It is not a technology company: there are no patents, proprietary platforms, APIs, integrations, or AI/ML capabilities documented, and the founder, Rick Jultak, leads health-insurance sales and consulting. Strategic posture is best read as a regional distribution franchise whose defensibility derives from the Florida Blue agency relationship, multi-product bundling, and licensed-agent relationships rather than any technology stack.

Name

Apple Insurance and Financial Services

Legal name

Trucordia Insurance Services, LLC

Website

https://appleinsurance.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Apple Insurance and Financial Services is a Florida-licensed insurance agency and Florida Blue's lead agency in the state, distributing Medicare, individual/family, small-group, and ancillary insurance products to consumers and small businesses through licensed agent sales.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Individual Disability Income Insurance (Non-Group) (FSAIAIAA)

Keywords

• Insurance agency services
• Medicare health plans
• Individual health insurance
• Group health insurance
• Supplemental insurance products

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: Earns commissions from Florida Blue Cross Blue Shield and other insurance carriers for selling Medicare Advantage, Supplement, individual health, group health, and ancillary insurance policies (life, accidental, long-term care, disability, critical illness, pet insurance). Revenue is generated through policy premiums paid by customers, with the agency receiving a percentage or flat fee commission.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Apple Insurance and Financial Services is a full-service licensed insurance agency that sells and enrolls individuals, families, and small businesses into Florida Blue Cross Blue Shield health insurance products, including Medicare Advantage and Supplement plans, individual and family health insurance, SHOP Marketplace group health coverage, and ancillary products such as life, accidental, long-term care, disability, critical illness, and pet insurance. Licensed agents assist customers via in-person consultations, online applications, and phone-based enrollment across the State of Florida.

Product overview

Apple Insurance & Financial Services is a full-service insurance agency and Florida Blue's leading agency for Blue Cross and Blue Shield insurance throughout Florida. The company offers a comprehensive portfolio of insurance products including Medicare Advantage & Supplement Insurance, Individual Health Insurance, Group Health Insurance through the SHOP Marketplace, Critical Illness Insurance, Life Insurance (Term, Universal, and Whole Life), Accidental Insurance, Long Term Care Insurance, Disability Insurance, and Pet Insurance through Healthy Paws. The agency operates as a one-stop solution, eliminating the need for multiple agents by providing these diverse insurance products through dedicated and knowledgeable staff who guide clients in making right decisions for all their insurance needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Advantage & Supplement Insurance

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Florida Blue Cross Blue ShieldcoreChannel Partner/ Reseller/ DistributorApple Insurance & Financial Services is Florida Blue's leading agency for Blue Cross and Blue Shield insurance throughout the State of Florida. As their premiere partner, the agency distributes Medicare Advantage, Supplement, individual health, group health, and related insurance products. The partnership allows the agency to offer some of the best health plans on the market through the Florida Blue brand.
• Trucordia Insurance Services, LLCcoreOthersTrucordia Insurance Services, LLC is the parent company of Apple Insurance & Financial Services. The copyright notice on the website indicates Trucordia as the rights holder, suggesting this is the operating parent entity under which the agency operates.
• Healthy Paws Pet Insurance & FoundationminorChannel Partner/ Reseller/ DistributorHealthy Paws is the pet insurance partner providing top-rated pet insurance plans that cover accidents and illnesses including cancer, emergency care, genetic conditions, and alternative care. Apple Insurance & Financial Services offers these plans as part of their ancillary insurance product lineup.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• eHealth: Online health insurance marketplace offering Medicare, individual/family, and ancillary plans via a digital-first enrollment flow. Comparable in product breadth and target customer (Medicare beneficiaries and individual shoppers) to Apple Insurance, though delivered primarily through a tech platform.
• SmartFinancial: Online insurance comparison marketplace distributing health, Medicare, life, and ancillary products through a network of agents. Comparable to Apple Insurance in product breadth and customer segments, with a stronger digital lead generation capability.
• SelectQuote: Multi-channel insurance sales platform with a strong Medicare and life insurance focus, using agent-led phone and digital enrollment. Overlaps with Apple Insurance's Medicare Advantage/Supplement and life insurance product lines and channel mix.
• GoHealth: Public Medicare-focused health insurance marketplace and agency with a licensed-agent sales model. Highly comparable to Apple Insurance's Medicare Advantage and Supplement distribution motion, though at significantly greater scale and with proprietary technology.

Emerging players

• QuoteWizard (by LendingTree): Insurance lead-generation and comparison platform owned by LendingTree, distributing consumer leads to carriers and agents across multiple lines. Overlaps with Apple Insurance's reliance on inbound consumer demand for Medicare and individual health.
• HealthCare.com: Digital insurance comparison and brokerage platform offering individual, family, Medicare, and small business plans. Competes with Apple Insurance for online health insurance shoppers and offers a tech-enabled alternative to the agency's agent-led model.
• Benefytt Technologies: Health insurance and consumer-focused distribution platform that has historically focused on individual and family health plans, including through SHOP-like channels. Provides a tech-enabled comparison shopping alternative to traditional agencies like Apple Insurance.

Broad incumbents

• Trucordia Insurance Services: National insurance holding company and parent of Apple Insurance & Financial Services. Operates a broad portfolio of insurance agencies across the U.S., making it a relevant comparison for the parent's aggregation and operational play.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AppleInsurance
• Xx.com/apple_ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Apple Insurance and Financial Services