NIM

What NIM does

NIM (National Insurance Markets, Inc., d/b/a NIMBroker) is a Pittsburgh, Pennsylvania-based Field Marketing Organization founded in 1979 that supports independent insurance agents with access to multiple insurance carriers and the technology, compliance, and training infrastructure needed to sell Medicare, life insurance, annuity, employer benefits, and individual/family health products. The company is privately held with no outside investors, no parent company, and a small operating team of 1–10 employees, and is led by co-owner and VP Matthew Gaus. NIM's product shelf spans Medicare Advantage, Medicare Supplement (Medigap), Part D Prescription Drug, hospital indemnity, term and whole life, universal life, final expense, indexed and immediate annuities, and group benefits, with named carrier partners including Aetna, Humana, UnitedHealthcare, and Wellcare.

NIM does not build proprietary core technology; instead it operates on an integrated stack of third-party platforms — Connecture for quoting and electronic enrollment, RetireFlo for client prescription intake, SunFire for plan comparison and network verification, and a "Connector" workflow for real-time cost comparisons — supplemented by licensing and compliance tools (Sircon, NIPR) and AHIP certification support. The go-to-market is channel-based: NIM recruits and contracts licensed independent agents, provides them with carrier appointments, technology access, compliance guidance, and educational content (the Agent Spotlight Podcast, Medicare Manor book, Build the Manor field guide, AEP/SEP readiness materials, and an active blog), and earns a commission override from carriers on policies the agents place. End customers (Medicare-eligible individuals, families, and employer groups) are reached exclusively through this contracted agent network rather than through NIM's own direct-to-consumer motion.

The business model is transaction-fee (carrier commissions) with no direct agent fees, and NIM is HIPAA-compliant for handling protected health information in the enrollment workflow. The firm is a long-tenured, bootstrapped FMO with no funding rounds, no acquisitions, no subsidiaries, and no recent leadership changes — its growth has been organic and incremental, with the most recent observable product moves being the addition of Hospital Indemnity and Individual & Family Health Coverage product lines.

Name

NIM

Legal name

National Insurance Markets, Inc.

Website

https://nimbroker.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1–10 employees

Short description

NIM (National Insurance Markets, Inc.) is a Pittsburgh-based Field Marketing Organization, founded in 1979, that provides independent insurance agents with multi-carrier access to Medicare, life, annuity, and employer benefits products, earning commissions on agent-sold policies.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Distribution Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Medicare insurance products
• Life insurance distribution
• Annuity products
• Field marketing organization

Headquarters

HQ city

Pittsburgh

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: NIM earns commissions from insurance carriers when contracted agents sell Medicare Advantage, Part D, Medigap, life insurance, annuity, and employer benefits policies. Commissions are passed through to agents with NIM retaining a portion as an FMO. Commission rates vary by product type, state, and carrier.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

NIM (National Insurance Markets, Inc.) operates as a Field Marketing Organization (FMO) and health and life insurance brokerage, connecting independent insurance agents with multiple insurance carriers. The company provides agents with access to Medicare Advantage, Part D, Medigap, life insurance, annuities, employer benefits, and individual/family health products, along with enrollment technology platforms (Connecture, RetireFlo), compliance support, AHIP certification guidance, and lead generation resources.

Product overview

NIM operates as a health and life insurance brokerage platform offering a comprehensive portfolio of insurance products through independent agents. The core offerings span Medicare products (Advantage, Supplement, Part D), life insurance (Term, Whole, Universal, Sub-Standard), employer benefits, annuities (SPDA, FPDA, SPIA, Indexed), and individual/family health coverage. The platform is powered by Connecture for quoting/enrollment and Connector for real-time cost comparisons, enabling agents to match clients with appropriate carriers and plans.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over four decades of agent service since 1979
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• ConnecturecoreTechnology or IntegrationConnecture is an online enrollment and quoting platform used by NIM agents to compare Medicare Advantage, Part D, and Medigap plans by zip code, run prescription cost estimates, and process electronic enrollments.
• RetireFlosupportingTechnology or IntegrationClient intake application that integrates with Connecture, allowing agents to efficiently collect client prescription information and drug details for plan comparison.
• Medicare.govsupportingTechnology or IntegrationOfficial Medicare website linked on NIM portal for agent and consumer reference on Medicare information.
• Pennie (Pennsylvania Insurance Exchange)supportingTechnology or IntegrationPennsylvania's state-based health insurance marketplace linked on NIM portal for agents assisting Pennsylvania residents.
• SirconsupportingTechnology or IntegrationInsurance producer licensing and compliance platform used by NIM agents for license management and continuing education tracking.
• NIPR (National Insurance Producer Registry)supportingTechnology or IntegrationNational database for insurance producer licensing information used by NIM agents for license applications and verification.
• AHIP (America's Health Insurance Plans)coreStrategic or Co-development PartnerAHIP provides the required Medicare training and certification (FWA - Fraud, Waste, and Abuse) that agents must complete annually to sell Medicare products. NIM provides agents with discounted access to AHIP certification through carrier training portals.
• Multiple Insurance CarrierscoreChannel Partner/ Reseller/ DistributorNIM partners with multiple insurance carriers to offer Medicare Advantage, Part D, Medigap, life insurance, annuity, and employer benefits products. Key carriers include Aetna, Humana, UnitedHealthcare, Wellcare and others.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• HealthMarkets: HealthMarkets operates a national insurance agency network distributing Medicare, individual health, life, and supplemental products to consumers via thousands of agents — a direct comparison point for NIM's agency-led distribution.
• Ash Brokerage: Ash Brokerage is an insurance distribution firm focused on life insurance, annuities, and Medicare solutions for independent agents, with comparable product breadth and FMO-style contracting economics to NIM.
• Ritter Insurance Marketing: Ritter is a large Field Marketing Organization serving independent insurance agents with Medicare Advantage, Medigap, Part D, life, and annuity products across many states — the closest comparable to NIM's FMO distribution model.
• Senior Market Sales: Senior Market Sales is an FMO and IMO focused on Medicare, life, and annuity distribution for independent agents, mirroring NIM's core carrier-aggregator proposition and agent enablement focus.
• Benefytt Technologies: Benefytt (acquired by eHealth) was a technology-enabled Medicare and individual health distribution platform with a comparable carrier-aggregator model and agent-facing enrollment technology stack.
• SelectQuote: SelectQuote is a Medicare-focused distribution company that sells MA, Medigap, and Part D plans through a large agent network — overlapping NIM's Medicare Advantage distribution niche at greater scale.
• Moody Insurance Group: Moody Insurance Group is an independent insurance agency and FMO distributing Medicare, life, and group benefits through affiliated agents — directly comparable in scale, product mix, and channel model to NIM.

Broad incumbents

• GoHealth: GoHealth is a large Medicare insurance marketplace with proprietary technology and a national agent footprint; competes for the same carriers and end consumers as NIM but with substantially greater scale and capital.
• Integrity Marketing Group: Integrity is a large PE-backed insurance distribution rollup that owns and partners with multiple FMOs, IMOs, and agencies; represents the consolidator archetype that could acquire NIM or compete with it for agent contracting.
• eHealth: eHealth operates one of the largest online Medicare and individual health insurance marketplaces with carrier-direct relationships, serving as a scaled alternative channel to NIM's independent-agent FMO model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@NIMBroker
• Facebookfacebook.com/NIMbroker
• LinkedInlinkedin.com/company/national-insurance-markets-inc
• Xx.com/nimbroker

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 NIM