LTA Marketing Group

What LTA Marketing Group does

LTA Marketing Group is a privately held Insurance Marketing Organization (IMO) founded in 1998 and headquartered in Fargo, North Dakota. The company serves independent insurance agents and small to large insurance agencies across the United States by providing centralized access to more than 30 life and annuity carriers, case management support from application submission through paid status, and quoting and contracting tools. Its flagship technology is the IUMP portal, an online platform that gives licensed agents 24/7 access to case status tracking, a centralized forms repository, and carrier submission workflows. The platform integrates third-party tools including SureLC for 10-minute carrier contracting, Annuity Toolbox search engines for fixed-indexed and SPIA products, the FEX engine for final expense quotes, and Term & GUL quote tools.

The company's product surface spans term, universal, indexed universal, whole, and final expense life insurance; deferred, fixed-indexed, MYGA, and immediate (SPIA) annuities; long-term care; critical illness; disability; and Medicare supplements. Through its P&C Concierge Program — operating in 19 states — licensed financial professionals refer commercial P&C business to LTA's sales team in exchange for 50% of typical P&C agent commission, with the company handling sales and service. LTA also distributes E&O insurance to agents through AgentSolutions at premiums starting at $32 per month.

LTA generates revenue primarily through transaction-based compensation and overrides from carriers on placed premium volume, supplemented by referral fees on ancillary products such as E&O coverage. The go-to-market is a hybrid channel model: independent agents self-register through a 15-day trial on the IUMP portal, agency-level distribution is supported directly, and the Concierge Program leverages financial professionals (RIAs, bank/credit union representatives, and life agents) as referral partners. Customer retention is reinforced by contracted carrier relationships, accumulated case history, and proprietary workflow integrations. No funding events, acquisitions, or revenue figures were disclosed in the source material.

Name

LTA Marketing Group

Legal name

LTA Marketing Group, LLC

Website

https://ltamarketing.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

LTA Marketing Group is a Fargo, North Dakota-based Insurance Marketing Organization serving independent insurance agents and agencies. Its IUMP portal provides access to 30+ life and annuity carriers, case management, and quoting tools, with a P&C Concierge referral program in 19 states.

Ownership category

akta.pro rank

Product category

Insurance Marketing Organization (IMO) / Insurance Distribution Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAIAGAH

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs)

Financial & Insurance/Insurance — Life & Health/Medicare Advantage & Medicare Supplement (Medigap)

SECONDARYFSAIAJAC

Annuity + LTC / Long-Term Care Riders

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

SECONDARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

• Insurance marketing organization
• Life insurance distribution
• Annuity products
• Independent agent services
• Carrier contracting platform

Headquarters

HQ city

Fargo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agent Support Services: LTA Marketing Group generates revenue by providing marketing organization services to licensed insurance agents. The company earns commissions from insurance carriers for placing business, with agents receiving compensation and bonus opportunities while LTA retains a portion as the marketing organization.
2. Carrier Access and Distribution Fees: Revenue is generated by facilitating access to over 30 life and annuity carriers for independent agents, earning fees or commissions based on submitted premium volume.
3. E&O Insurance Distribution: LTA offers Errors and Omissions insurance to agents at competitive rates ($32/month or $434/year starting), earning commissions on policy sales through their partner carrier.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

LTA Marketing Group operates as an Insurance Marketing Organization (IMO) that partners with licensed independent insurance agents and agencies to distribute life insurance, annuity, critical illness, long-term care, disability, and property & casualty products from over 30 carriers. The company provides a web-based portal (IUMP), case management, back-office support, agent contracting via SureLC, quoting tools, and weekly training webinars. It also runs a P&C Concierge Program that allows financial professionals to earn commission revenue on commercial property and casualty business without handling sales or service responsibilities.

Product overview

LTA Marketing Group operates as an Insurance Marketing Organization (IMO) serving independent insurance agents and agencies. The platform centers on the IUMP Portal providing case management, back office support, carrier contracting, and quoting tools. The product portfolio spans multiple insurance categories: Life Insurance Products including Term, Universal Life, Indexed Universal Life, Final Expense, and Whole Life; Annuity Products covering Deferred, Fixed Index, MYGA, and SPIA options; and specialized lines including Critical Illness, Long Term Care, and Property & Casualty via a Concierge Program. Supporting tools include Term & GUL Quotes, WinFlex, FEX Final Expense Quotes, Annuity Toolbox, and E&O Insurance. The company maintains relationships with over 30 life and annuity carriers and provides agent training through weekly Tuesdays-at-Two webinars. Services are accessible via web portal with a 15-day trial registration option.

Differentiator

Problem solved

Functional benefit

Brands

• P&C Concierge Program: Property & Casualty Concierge Program that allows licensed P&C producers to refer commercial lines business without the responsibility of sales and service.

Products and services

• IUMP Portal Web-based Insurance Marketing Platform providing licensed insurance agents with case management, back-office support, carrier contracting, quoting tools, and 24/7 case status tracking for life and annuity products.
• Life Insurance Products & Tools Distribution access to life insurance products (Term, Universal Life, Indexed Universal Life, Whole Life, Hybrid Life) from multiple carriers, supported by tools like Term Quotes, WinFlex, and FEX Final Expense Quotes.
• Final Expense Insurance Distribution access to burial insurance products from carriers such as Americo Ultra Protector, Foresters PlanRight, Mutual of Omaha Living Promise, and Transamerica solutions for applicants ages 50-85.
• Critical Illness Insurance Distribution access to critical illness insurance products offering lump-sum benefits at diagnosis, including Mutual of Omaha CriticalAdvantage and AIG CriticalCare Plus.
• Long Term Care Insurance Distribution access to long-term care insurance through Mutual of Omaha's MutualCare Solutions portfolio, including Secure Solution and Custom Solution packages.
• Annuity Products & Resources Distribution access to annuity products including Deferred Annuities (Declared Rates and Fixed Index), Multi-Year Guaranteed Annuities (MYGA), and Immediate Annuities (SPIA), supported by Annuity Toolbox search engines.
• Property & Casualty Concierge Program Referral program enabling licensed P&C producers and financial professionals to earn commission revenue (50% share) by referring commercial P&C clients to LTA's dedicated concierge sales team without handling sales or service responsibilities.
• Special Markets Specialized market solutions including insurance coverage for Foreign Nationals (Green Card, H1B, ITIN holders) and life settlements education resources for policyholders.
• New Business Submission & Forms Online service for submitting new business applications, checking case status 24/7, and accessing a centralized forms repository for annuities, life, long-term care, critical illness, disability, and accidental death products.
• E&O Insurance Errors and Omissions liability insurance for insurance agents with premiums starting at $434 annually ($32/month), distributed through AgentSolutions.

Quantifiable outcome

• $184,644 average net income for P&C Concierge producers
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Life and Annuity Carriers (30+)coreChannel Partner/ Reseller/ DistributorLTA Marketing Group has partnerships with over 30 life and annuity carriers, providing agents access to a comprehensive suite of insurance products including life insurance, annuities, long-term care, critical illness, and disability income. Carriers include well-known names such as Mutual of Omaha, Transamerica, Americo, Foresters, and AIG.
• AmericocoreChannel Partner/ Reseller/ DistributorAmerico offers whole life products for final expenses and burial costs for applicants ages 50-85, with guaranteed level premiums and face amounts from $2,000 to $30,000.
• Foresters PlanRightcoreChannel Partner/ Reseller/ DistributorForesters PlanRight is a simplified issue final expense insurance policy with liberal underwriting guidelines, making it one of the most affordable final expense options.
• Mutual of Omaha (United of Omaha)coreChannel Partner/ Reseller/ DistributorMutual of Omaha offers Living Promise final expense insurance (ages 45-85) with face amounts from $2,000 to $40,000, as well as CriticalAdvantage critical illness insurance and MutualCare long-term care solutions.
• TransamericacoreChannel Partner/ Reseller/ DistributorTransamerica offers three final expense insurance options: Immediate Solution, 10 Pay Solution, and Easy Solution. Policies available for applicants under age 85.
• AssurityminorChannel Partner/ Reseller/ DistributorAssurity offered Balance Critical Illness Insurance with benefit amounts from $50,000-$500,000 and guaranteed renewable coverage. Note: Assurity has exited the final expense market as of January 1, 2019.
• AIG (CriticalCare Plus)coreChannel Partner/ Reseller/ DistributorAIG offers CriticalCare Plus critical illness insurance with various coverage period options (lifetime, 30yr, 20yr, 15yr, 10yr), plus free membership in the Best Doctors program.
• E&O Insurance Carriers (AgentSolutions)minorChannel Partner/ Reseller/ DistributorLTA offers E&O insurance through AgentSolutions, providing agents with professional liability coverage starting at $32/month ($434/year), with broad coverage, attractive pricing, and online distribution for immediate coverage.
• SureLCcoreTechnology or IntegrationSureLC is an integration partner that enables agents to set up their profile once and begin submitting requests to carriers in 10 minutes, streamlining the contracting process.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Integrity Marketing Group: Integrity is one of the largest independent distributor platforms for life and health insurance in the U.S., acquiring and operating dozens of IMOs and FMOs. Operates in the same distribution layer as LTA but at vastly greater scale.
• World Financial Group (WFG): WFG is a large-scale FMO associated with Transamerica that distributes life insurance and retirement products through a national producer network. Comparable distribution model and product focus to LTA, though much larger.

Direct peers

• Brokers International: Brokers International is an insurance marketing organization offering life, annuity, and senior-market products through independent agents. Closely aligned with LTA in target segment (independent producers, life/annuity focus).
• DPL Financial Partners: DPL is an insurance distribution platform serving RIAs and fee-based advisors with annuities and life insurance from multiple carriers. Directly comparable to LTA's RIA and bank-channel use cases via the P&C Concierge Program.
• M&O Marketing: M&O Marketing is an FMO distributing life insurance and annuity products to independent agents with carrier contracting and case management support. Closely comparable operating model and target market to LTA.
• Crump Life Insurance Services: Crump is a national insurance brokerage and FMO offering life insurance, annuities, and wealth-transfer products to independent producers. Comparable to LTA in carrier-aggregation and back-office support services.
• Resource Brokerage Group (RBG): Resource Brokerage is a multi-carrier FMO providing life, annuity, and disability products to independent producers with back-office case management. Closely comparable to LTA's IMO operating model and product mix.
• CreativeOne: CreativeOne is an independent insurance marketing organization (IMO/FMO) distributing life insurance, annuities, and Medicare products to thousands of independent agents nationwide. Highly comparable to LTA in business model, carrier-aggregation approach, and target agent customer.
• Annuity Depot: Annuity Depot is an IMO/FMO distributing fixed, indexed, and immediate annuities from multiple carriers to independent producers. Comparable to LTA's annuity distribution and toolbox offering.
• American Senior Benefits / AIL: American Senior Benefits is an FMO focused on life, annuity, and Medicare products distributed through a network of independent agents. Comparable product mix and target producer profile to LTA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ltamarketing

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 LTA Marketing Group