Brokerage Unlimited

What Brokerage Unlimited does

Brokerage Unlimited (BUIUSA) is a privately-held Brokerage General Agency (BGA) founded in 1977 and headquartered in St. Louis, Missouri. The firm partners with financial and insurance advisors across the United States to provide back-office support, access to highly-rated carrier products, advanced underwriting expertise, and sophisticated estate and business planning resources. BUI's core product set covers life insurance, long-term care (LTC) insurance, and annuities, augmented by a turn-key LTC Evaluation workflow that supports longevity planning and produces compliance documentation for advisors.

BUI delivers its services through a website-based platform with user-friendly support tools (case management, carrier information access, planning resources) that enable coast-to-coast service from a single St. Louis headquarters. Its in-house team is led by a Chief Underwriter (Chris Hooper, CLU/FALU/FLMI), a Director of Advanced Planning (Brian Seigel, J.D., AEP), a Director of Operations, a Director of Advisor Services, and a Vice President, under President Michael Tessler. The firm is a consistent top-producing agency within LIBRA Partners, a national life insurance marketing organization whose consortium membership grants access to premier life, long-term care, and annuity providers.

Revenue is generated predominantly through insurance brokerage commissions on placed life, LTC, and annuity cases (transaction-fee model), with a smaller overlay from securities-related services offered through a channel partnership with Simplicity Investments, Inc. (Member FINRA/SIPC). The go-to-market is exclusively B2B enterprise field sales — advisors submit partnership requests through the website or book consultations, and BUI delivers ongoing case-design, case-management, licensing, marketing, and in-force policy service support across every U.S. state. Customer testimonials reference advisors at the MDRT Top of the Table level and Risk Management Directors at Top 25 RIAs, positioning the firm as a high-service-tier specialist BGA serving both mid-market advisors and enterprise-level practices.

Name

Brokerage Unlimited

Legal name

BUIUSA

Website

https://buiusa.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

Brokerage Unlimited is a privately-held national Brokerage General Agency, founded in 1977 in St. Louis, that partners with financial and insurance advisors to provide back-office support, carrier access, underwriting, and advanced estate and business planning for life, long-term care, and annuity placements.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Life insurance distribution
• Long-term care insurance
• Annuity placement services
• Advanced estate planning

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Revenue generated through commissions from life insurance, long-term care insurance, and annuity products placed with carrier partners.
2. Securities Services: Securities offered through Simplicity Investments, Inc., Member FINRA/SIPC, providing investment-related services alongside insurance products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Brokerage Unlimited is a national Brokerage General Agency (BGA) that partners with financial and insurance advisors to distribute life insurance, long-term care insurance, and annuity products from dozens of highly-rated carriers. The firm provides back-office case support, in-house underwriting, advanced estate and business succession planning, and an LTC Evaluation process. Services are delivered to advisors in any U.S. state through technology-enabled operations from its St. Louis headquarters.

Product overview

BUIUSA operates as a national Brokerage General Agency (BGA) offering a unified platform of insurance products and support services. The core portfolio includes life insurance, long term care insurance, and annuities sourced from dozens of highly-rated carrier partners. These products are supported by a suite of service modules including Back-Office Support Services (Case Design, Case Management, Licensing, Marketing, and In-Force Policy Service), Advanced Planning Services (estate planning and business succession planning), Underwriting Services (in-house classically-trained underwriters), LTC Evaluation (proactive longevity planning tool), and Technology Support Tools. The company leverages its partnership with LIBRA Partners, a national life insurance marketing organization, to provide access to premier carriers and extraordinary carrier relationships. Services are delivered coast-to-coast through technology-enabled processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Placement Distribution of life insurance products from dozens of highly-rated carriers to financial and insurance advisors, supported by in-house underwriting expertise and case design services for advisor end-clients nationwide.
• Long-Term Care Insurance Placement Distribution of long-term care insurance products from premier carriers, paired with the firm's LTC Evaluation process for longevity planning and compliance documentation for advisor clients over age 50.
• Annuity Placement Annuity products provided through BUI's carrier relationships, offering retirement income solutions for financial advisors serving their end-clients.
• Underwriting Services In-house underwriting led by a classically-trained Chief Underwriter with CLU, FALU, and FLMI credentials, providing the ability to place cases at favorable rates and handle high-end, challenging underwriting transactions for advisor clients.
• Advanced Planning Services Sophisticated estate planning and business succession planning resources delivered through the Director of Advanced Planning and planning team, supporting advisors serving high-net-worth and business-owner clients.
• Back-Office Case Support Services Comprehensive operational support for financial and insurance advisors covering Case Design, Case Management, Licensing, Marketing, and In-Force Policy Service, with live phone support during business hours and dedicated tenured point people.
• LTC Evaluation Service Turn-key evaluation process for long-term care and longevity planning that allows advisors to provide tailored planning options for clients and generates compliance documentation for advisor files.
• Securities Services Securities services offered through affiliated broker-dealer Simplicity Investments, Inc. (Member FINRA/SIPC), enabling BUI to deliver investment-related services alongside its insurance offerings.

Quantifiable outcome

• Live person availability during business hours with dedicated, tenured point people
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• LIBRA PartnerscoreStrategic or Co-development PartnerLIBRA Partners is a national life insurance marketing organization and BUI is a consistent top-producing agency within this consortium. Through this partnership, BUI enjoys extraordinary relationships with premier life, long-term care and annuity providers and their broad array of products and services. LIBRA Partners is among the top tier in production with nearly every major life insurance company in today's market.
• Simplicity Investments, Inc.coreChannel Partner/ Reseller/ DistributorSecurities offered through Simplicity Investments, Inc., Member FINRA/SIPC, located at 475 Springfield Ave., Summit, NJ 07901, 303-797-9080. This partnership enables BUI to offer securities-related services alongside insurance products.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Ash Brokerage: A national life insurance BGA offering underwriting, advanced planning, and back-office support to financial advisors. Closely matches BUI's B2B BGA model, multi-line life/LTC/annuity focus, and emphasis on sophisticated case placement.
• Highland Capital Brokerage: Independent life insurance BGA providing case design, in-house underwriting, and advanced planning to advisors across the U.S. Operates with a similar B2B advisor-partnership model and product mix to Brokerage Unlimited.
• M Financial Group: A BGA consortium/network of independent firms with premier carrier relationships, similar in structure to BUI's position within LIBRA Partners. Comparable client base of high-net-worth advisors and shared focus on life, disability, and annuity placement.
• Lion Street: Independent BGA and advisor-owned network focused on life insurance and sophisticated planning for HNW/UHNW clients. Overlaps with BUI on advanced planning depth, life insurance placement, and advisor partnership distribution.
• Park Avenue Securities: A BGA/broker-dealer offering insurance and wealth solutions to financial professionals through a partnership model. Comparable to BUI in serving independent advisors with both insurance placement and securities capabilities.
• HD Vest: A wealth management and insurance BGA platform acquired by Kestra Financial, providing tax-smart investing, insurance solutions, and back-office support to accountants, advisors, and financial professionals — directly comparable to BUI's B2B advisor-support model.

Broad incumbents

• Kestra Financial: A large, multi-channel BGA/wealth platform that owns HD Vest and several other BGA brands, offering insurance, securities, and advisory infrastructure. Operates in the same B2B BGA space as BUI but at materially greater scale across multiple product and service lines.
• OneDigital: A large insurance, financial services, and HR consulting firm that has acquired multiple BGA franchises (including Crump Life). Competes with BUI for advisor partnerships while offering a much broader employer benefits and wealth platform.

Others

• National Western Life Insurance Company: A life insurance carrier with established BGA distribution. Not a direct competitor to BUI (it is a carrier-partner rather than a peer agency), but representative of the carrier side of the ecosystem BUI operates in and useful for benchmarking commission economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bui_news

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Brokerage Unlimited