Renaissance Life and Health Insurance Company of America

What Renaissance Life and Health Insurance Company of America does

Renaissance Life and Health Insurance Company of America is a privately held U.S. insurance carrier founded in 1957 and headquartered in Indianapolis, Indiana, with an additional entity in Binghamton, New York. Operating under the Renaissance Benefits brand, the company delivers a portfolio of ancillary and supplemental health insurance products to individuals, families, employers, brokers and government programs, including dental, vision, life, disability, supplemental health (RenSecureHealth), accident, paid family and medical leave (PFML), ACA exchange plans, Medicare supplement plans and state Medicaid coverage (TennCare).

The company's underlying technology combines a modern claims and administration platform with smart automation for routine processing and human-led support for complex decisions. RenConnect serves as the central integration layer that exchanges eligibility, enrollment and billing data across all product lines with employer systems, while a suite of dedicated portals (RenMemberPortal for individuals, MyRenBenefitsManager for group members, RenBenefitsAdmin for employers, and MyRenXperience for brokers) supports each user type. Renaissance processes 20M+ claims per year with 99% completed in 10 days or less, distributes through nationwide provider networks of 450,000+ dental and 137,000+ vision access points (the latter via VSP), and holds an AM Best 'A' (Excellent) financial strength rating.

Renaissance generates revenue primarily through recurring insurance premiums collected on individual and group policies across its product lines. Distribution combines direct-to-consumer website sales, dedicated broker channels supported by RFP tooling (Claims Incidence Analysis), direct employer group sales, white-label/embedded partnerships, and state Medicaid administration. The company has pursued geographic and capability expansion through acquisitions, including Dentist Direct and Direct Access in 2021 (Utah dental network) and Ansel Health in 2025 (supplemental health).

Name

Renaissance Life and Health Insurance Company of America

Legal name

Renaissance Life & Health Insurance Company of America

Website

https://renaissancefamily.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

101–250 employees

Short description

Renaissance Life and Health Insurance Company of America is a privately held U.S. carrier founded in 1957 that sells ancillary and supplemental health insurance, including dental, vision, life, disability, accident and PFML coverage, to individuals, employer groups, brokers and state Medicaid programs.

Ownership category

akta.pro rank

Product category

Ancillary Insurance Benefits

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Medicaid/CHIP Dental & Vision Benefits Administration (FSAIAHAK)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Medicare Supplement (Medigap) (FSAIAEAG), ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA), Individual & Family Vision Plans (Exchange/Off-Exchange) (HLAEABAF)

Keywords

• Ancillary health insurance
• Dental insurance coverage
• Vision insurance plans
• Supplemental health benefits
• Group benefits insurance

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Renaissance generates revenue primarily through insurance premiums collected from individuals, families, and employer groups for coverage including dental, vision, life, disability, supplemental health, accident, and PFML insurance. Revenue is recurring in nature as policyholders pay premiums on a regular schedule (monthly or annual). The company offers both individual/family plans and group plans through employers.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Renaissance Life and Health Insurance Company of America provides ancillary and supplemental insurance products including dental, vision, life, disability, supplemental health, accident, and paid family and medical leave coverage. The company serves individuals, families, and employer groups through direct channels and brokers, with white-label administrative solutions for other insurers. It also administers state Medicaid programs and offers ACA and Medicare Supplement plans.

Product overview

Renaissance Life and Health Insurance Company of America offers a comprehensive suite of ancillary and supplemental benefit insurance products through a platform-plus-modules architecture. The core offerings include Active Lifestyles Plans (individual/family dental, vision, and hearing coverage), ACA policies, Medicare Supplement Plans, and State Medicaid Programs. For group coverage, the company provides Dental Insurance, Vision Insurance (through VSP network), Life Insurance, Disability Insurance, Supplemental Health Insurance (RenSecureHealth), PFML Insurance, Accident Insurance, and White Label Benefits Solutions. These products are supported by member-facing portals including RenMemberPortal (individual), MyRen BenefitsManager (group members), and RenBenefitsAdmin (employers), as well as the MyRenXperience broker portal. The RenConnect platform enables flexible data exchange and integration with existing employer systems for eligibility, enrollment, and billing operations. The company processed over 20 million claims per year with 99% completed in 10 days or less.

Differentiator

Problem solved

Functional benefit

Brands

• RenSecureHealth: Diagnosis-based supplemental health coverage that pays direct cash benefits for 13,000+ covered injuries and illnesses, typically paid within days via direct deposit, Venmo or PayPal.
• RenConnect
• RenMemberPortal
• MyRen BenefitsManager
• RenBenefitsAdmin
• MyRenXperience

Products and services

• Active Lifestyles Plans
• State Exchange (ACA) Plans
• Medicare Supplement Plans
• State Medicaid Programs
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance
• Supplemental Health Insurance (RenSecureHealth) Supplemental health insurance product delivered through the RenSecureHealth platform, covering specified medical events such as hospitalization or critical illness.
• PFML Insurance Paid Family and Medical Leave insurance coverage offered to employers and employees for qualifying family or medical leave events.
• Accident Insurance Accident insurance policies providing lump-sum payments for injuries resulting from covered accidents, sold to groups and individuals.
• White Label Benefits Solutions Customizable white-label benefits platform enabling other insurers and organizations to offer Renaissance's dental, vision, and ancillary products under their own brand.

Quantifiable outcome

• 99% of claims completed in 10 days or less
• +4 more outcomes

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

Four partnerships are on record, tiered core and minor.

• Dentist DirectcoreStrategic or Co-development Partner · 9 November 2021Utah-based dental network acquired by Renaissance in November 2021. The acquisition expanded Renaissance's geographic presence and network, enhancing product offerings with additional insurance coverages while retaining Dentist Direct's local dental network and team. This acquisition strengthened Renaissance's position in the dental insurance market.
• Direct AccesscoreStrategic or Co-development Partner · 9 November 2021Affiliate of Utah-based Dentist Direct acquired by Renaissance in November 2021 as part of the same transaction. The acquisition expanded Renaissance's geographic presence and network capabilities.
• AmplifonminorStrategic or Co-development PartnerAmplifon provides a hearing discount program for Renaissance members, offering savings on hearing devices and services. This partnership enhances Renaissance's product offerings by bundling hearing discounts with dental and vision coverage. The program is available to all members upon request based on state availability.
• VSPcoreTechnology or IntegrationVSP provides vision coverage integration for Renaissance, giving groups access to one of the largest national networks of independent eye doctors with 137,000+ vision access points. VSP also offers savings on exams, glasses, and contacts, with VSP Internal Data supporting the provider network statistics.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sun Life Financial: Sun Life U.S. is a major provider of group dental, vision, disability, and supplemental health benefits. It directly competes with Renaissance in employer-sponsored ancillary benefits, including dental networks of comparable scale and a similar broker channel.
• Unum Group: Unum is a leading provider of group disability, life, and supplemental health benefits in the U.S. It directly overlaps with Renaissance's disability, PFML, and supplemental health product lines and competes in employer and broker channels.
• Humana: Humana is a leading Medicare Advantage and Medicare Supplement carrier. It directly competes with Renaissance's Medicare Supplement Plans and complements Renaissance's individual/family offerings in the senior market.
• Delta Dental: Delta Dental is the largest U.S. dental benefits carrier, operating a national network of participating dentists. It is a direct competitor to Renaissance's dental insurance line and the Dentist Direct/Direct Access subsidiary business.
• Ameritas: Ameritas is a mutual insurer offering dental, vision, hearing, life, disability, and supplemental health products to employer groups and individuals. It directly overlaps with Renaissance's core group dental/vision/life/disability portfolio and similar broker-led distribution model.
• Guardian Life Insurance Company of America: Guardian offers group and individual dental, vision, life, disability, and supplemental benefits through employer and broker channels. It directly competes with Renaissance across virtually all of Renaissance's ancillary benefit product lines.

Broad incumbents

• Principal Financial Group: Principal offers group dental, vision, life, disability, and supplemental health benefits as part of a broad retirement and benefits portfolio. It competes with Renaissance in mid-market and large employer group benefits accounts.
• Lincoln Financial Group: Lincoln Financial provides group dental, vision, life, disability, and supplemental benefits alongside its broader retirement and life insurance operations. It competes with Renaissance in employer group benefits opportunities.
• MetLife: MetLife is a global insurance leader offering group dental, vision, life, disability, and accident products alongside its broader life and retirement business. As a broad incumbent, it competes with Renaissance in employer group benefits RFPs where scale and multi-state capability matter.
• Cigna Group: Cigna offers group dental and supplemental health benefits alongside its broader health services portfolio. It is a broad incumbent competing with Renaissance for employer-sponsored dental and supplemental health business.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/rendental
• Facebookfacebook.com/renaissancedental
• LinkedInlinkedin.com/company/renaissancedental

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Renaissance Life and Health Insurance Company of America