Starr Wright

What Starr Wright does

Starr Wright USA (legal entity: Starr Wright Insurance Agency, Inc.) is a U.S. insurance agency that originates, distributes, and administers Federal Employee Professional Liability Insurance (FEPLI) and a portfolio of ancillary insurance products for U.S. civilian federal employees, federal law enforcement officers, federal managers/supervisors, and federal contractors. The company was founded in 1965 by Frank Wright in Washington, D.C. as Wright & Co., which created FEPLI — the first professional liability insurance product designed specifically for federal employees — and was acquired by Starr Companies in September 2016 and rebranded as Starr Wright USA. Operations are administered from Wilmington, Delaware, under the Starr Insurance Companies umbrella led by Maurice R. 'Hank' Greenberg.

The product platform centers on FEPLI (Basic, Worldwide, and Career Protector tiers at $348–$474/year plus a $15 admin fee, with up to $2M liability limits, $200K administrative and criminal defense coverage, security clearance coverage, LEOSA liability up to $500K, and 4 hours of pre-claim counsel). Adjacent insurance lines — group level term life (from $45/year), long-term disability ($0.68–$4.97 per $100 of monthly benefit), dental ($24.32–$31.21/month), vision (from $5.91/month), pet ($7–$16/month), and travel — are delivered through carrier partnerships, primarily MetLife (and MetLife affiliates such as Superior Vision Services and MetLife Pet Insurance Solutions), ReliaStar Life Insurance Company (Voya family), and Starr Travel Insurance. Technology footprint consists of dedicated online enrollment and policy-management portals (secure.fepla.com for FEPLI, benafica.com for ancillary products, customer.fepla.com for account login and claims), with no public API.

The business model is an insurance agency/broker model. Revenue is generated on a recurring annual or monthly subscription basis through policyholder premiums (retained agency commission on FEPLI and Producer compensation on placed business) plus ancillary carrier commissions. Distribution is multi-channel: direct-to-consumer self-enrollment via web portals, independent insurance agents and brokers ('Producers') who earn compensation tied to contract type, volume, and profitability, and association partnerships — notably the National Armed Forces Association (NAFA) and 13+ federal employee endorsing organizations (ACHSIA, AFIO, AFNA, ATFA, FAAMA, FCC, FEBA, FPPOA, NBCFAE, NHCFAE, Professional Women Controllers Inc., USMSA, WIFLE). A federally mandated reimbursement of up to 50% (up to $150) of FEPLI premium under Public Law 106-58 structurally supports customer acquisition.

Name

Starr Wright

Legal name

Starr Wright Insurance Agency, Inc.

Website

https://wrightusa.com

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

1–10 employees

Short description

Starr Wright USA is an insurance agency that originated Federal Employee Professional Liability Insurance (FEPLI) in 1965 and distributes it along with life, disability, dental, vision, pet, and travel insurance to U.S. federal employees via direct portals, agents and brokers, and federal association endorsements.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

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

Keywords

• Federal employee insurance
• Professional liability insurance
• FEPLI coverage
• Federal benefits insurance
• Specialty insurance agency

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Starr Wright USA acts as an insurance agency/broker selling FEPLI and ancillary insurance products (life, disability, dental, vision, pet, travel) to federal employees. Revenue is generated through premiums paid by policyholders, with compensation paid to Producers (agents/brokers) who sell the policies.
2. Producer Compensation: Compensation paid to insurance agents and brokers (Producers) who sell Starr Wright USA insurance products. Compensation varies based on the insurance contract, volume of business, and profitability of contracts placed.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Starr Wright USA is a specialty insurance agency that provides Federal Employee Professional Liability Insurance (FEPLI) and a portfolio of ancillary insurance products (life, disability, dental, vision, pet, and travel) to U.S. federal employees and federal contractors. The flagship FEPLI product covers allegations of wrongdoing or misconduct related to federal employment, including legal defense for administrative, criminal, and civil matters, plus specialty coverages such as LEOSA liability and security clearance protection. Products are sold via direct online enrollment, insurance agents and brokers (Producers), and association partnerships.

Product overview

Starr Wright USA is an insurance agency specializing in insurance solutions for federal employees and federal contractors. The company offers a portfolio of insurance products centered around FEPLI (Federal Employee Professional Liability Insurance), its flagship and core product created in 1965. FEPLI is supplemented by ancillary insurance products including Group Level Term Life Insurance, Long Term Disability Insurance, Dental Insurance, Vision Insurance, Pet Insurance (all underwritten by MetLife partners), and Travel Insurance. The products are distributed through the company's website and are primarily targeted at civilian federal employees, with FEPLI being the only product specifically designed for this market segment.

Differentiator

Problem solved

Functional benefit

Products and services

• FEPLI (Federal Employee Professional Liability Insurance) Professional liability insurance designed for civilian federal employees to protect against claims of wrongdoing or misconduct related to their federal job, providing legal defense coverage and representation. Covers administrative, criminal, and civil matters, plus specialty features including LEOSA liability, security clearance coverage, international coverage, and 4 hours of pre-claim counsel access. Sold via Basic ($1M, $348/yr), Worldwide ($2M, $414/yr), and Career Protector ($2M plus $200K Employment Practices, $474/yr) tiers.
• Group Level Term Life Insurance Group term life insurance offered to federal employees in 10-year and 20-year level term options, with coverage amounts from $50,000 up to $1,000,000. Underwritten by ReliaStar Life Insurance Company (a Voya company). Optional spouse and dependent coverage available. Simplified issue option (no medical exam) available for $50,000-$150,000 from $48/year. 10-Year Term from $45/year; 20-Year Term from $52.50/year.
• Long Term Disability Insurance Long term disability insurance for federal employees providing monthly benefits from $1,000 to $6,000 to cover essential expenses during extended illness or accident. Age-based tiered rates per $100 of covered monthly benefit range from $0.68 (under 35) to $4.97 (65+).
• Dental Insurance Dental insurance plans underwritten by MetLife offering High and Low plan options covering preventative, basic, major care, and orthodontia with negotiated network provider rates. High Plan from $31.21/month plus $2.60 NAFA fee (100% Preventative, 80% Basic, 60% Major, 50% Orthodontia). Low Plan from $24.32/month plus $2.60 NAFA fee (90% Preventative, 70% Basic, 50% Major). NAFA membership required.
• Vision Insurance Vision insurance through Superior Vision (a MetLife company) providing access to eye care professionals, routine exams, lens enhancements, and LASIK discounts. Rates start as low as $5.91/month (Area 1). Network includes LensCrafters, Pearle Vision, Walmart, and Costco Optical. LASIK discounts available through QualSight.
• Pet Insurance Pet insurance underwritten by MetLife for cats and dogs, covering up to 90% of vet bills. Cat plans start from $7/month; dog plans start from $16/month. No breed or age restrictions. No waiting period on accidents and preventative care. 24/7 Vet Chat support included via AskVet.
• Travel Insurance Travel insurance for federal employees offered through Starr Travel Insurance (a Starr Companies product), accessible via a dedicated portal linked from the Starr Wright USA website.

Quantifiable outcome

• Federal employees may receive up to 50% reimbursement (up to $150) of FEPLI premium costs from their agencies
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and major.

• MetLifecoreChannel Partner/ Reseller/ DistributorMetLife provides pet insurance, vision insurance, dental insurance, life insurance, and disability insurance products offered through Starr Wright USA. MetLife Pet Insurance Solutions LLC acts as policy administrator. Products include MetLife vision network with LensCrafters, Pearle Vision, Walmart, and Costco Optical.
• Insurance Producers (Agents and Brokers)coreChannel Partner/ Reseller/ DistributorInsurance agents and brokers who sell Starr Wright USA insurance products. Producers act as intermediaries between insureds and insurance carriers, earning compensation based on insurance contracts sold, volume, and profitability.
• Brownell LandrigancoreImplementation/ SI/ Consulting PartnerWashington D.C. based law firm specializing in defense of federal employees. Represents employees at every level from entry-level to SES members. Has represented thousands of Starr Wright USA FEPLI clients since 2007. Firm is owned by Christopher Landrigan.
• National Armed Forces Association (NAFA)majorChannel Partner/ Reseller/ DistributorNon-profit organization providing healthcare and wellness benefits to members. NAFA membership is required to enroll in Starr Wright USA dental insurance plans. Membership costs $31.20/year.
• MetLife Pet Insurance Solutions LLCcoreTechnology or IntegrationPolicy administrator for MetLife Pet Insurance offered through Starr Wright USA. Provides 24/7 Vet Chat support through third-party partner AskVet. May operate under alternate names including MetLife Pet Insurance Services LLC (NY and MN) and MetLife Pet Insurance Solutions Agency LLC (IL).
• Superior Vision ServicescoreTechnology or IntegrationPart of the MetLife family of companies providing vision insurance network administration. Davis Vision, Inc. and Superior Vision Services, Inc. provide network administration and claims services for vision benefits.
• ReliaStar Life Insurance CompanycoreChannel Partner/ Reseller/ DistributorMember of Voya family of companies providing group term life insurance coverage for federal employees through Starr Wright USA.
• Starr CompaniescoreOthersParent company that purchased Starr Wright USA in September 2016. Starr Companies is one of the largest and fastest-growing global insurance organizations under leadership of Maurice R. 'Hank' Greenberg. Worldwide marketing name for Starr International Company, Inc. and C.V. Starr & Co., Inc. subsidiaries.
• Endorsing Federal Employee OrganizationsmajorGTM or Marketing Partner13+ federal employee organizations endorse Starr Wright USA: ACHSIA, AFIO, AFNA, ATFA, FAAMA, FCC, FEBA, FPPOA, NBCFAE, NHCFAE, Professional Women Controllers Inc., USMSA, and WIFLE (Women In Federal Law Enforcement).

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• FEDS Protection: Direct competitor to Starr Wright USA in the federal employee professional liability insurance (FEPLI) market, offering similar liability coverage tailored to federal employees.
• WAEPA (Worldwide Assurance for Employees of Public Agencies): Non-profit association providing insurance products to federal employees, including group term life and disability, overlapping with Starr Wright's ancillary product portfolio for the same customer base.
• GEHA (Government Employees Health Association): Non-profit member-based insurer serving federal employees and retirees with health and dental plans, directly competing for the same federal employee benefits wallet.

Broad incumbents

• USAA: Large incumbent serving military members and their families with broad P&C, life, and personal lines; substantial overlap with federal/military employee customers that Starr Wright also targets.
• MetLife: Underwrites pet, vision, dental, and life products distributed by Starr Wright USA; as a broad incumbent, MetLife overlaps in scale and product breadth across the federal employee benefit market.
• The Hartford: Major insurance carrier offering group benefits and specialty products to public-sector and government-adjacent customers, providing competitive pressure across the broader federal employee benefits category.
• AIG (American International Group): Global insurance conglomerate historically led by Hank Greenberg (now at Starr Companies); offers specialty and professional liability lines that overlap with FEPLI-style coverage at much larger scale.
• Voya Financial: Parent of ReliaStar Life Insurance, which underwrites Starr Wright's group term life product; also offers broader group benefits in the federal employee channel, competing for the same cross-sell dollars.
• Liberty Mutual Insurance: Large multi-line carrier with specialty and professional liability offerings that could be repositioned to compete with FEPLI in the federal employee market.

Others

• NARFE (National Active and Retired Federal Employees Association): Federal employee advocacy and benefits association that promotes insurance offerings to its membership; functions as a referral/affiliate channel analogous to the associations that endorse Starr Wright USA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/StarrWrightUSA
• Facebookfacebook.com/StarrWrightUSA

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Starr Wright