Members Insurance Advisors

What Members Insurance Advisors does

Members Insurance Advisors, LLC operates as an independent insurance agency headquartered in Peachtree City, Georgia. The firm is a wholly owned subsidiary of Delta Community Credit Union, distributing insurance products primarily to the credit union's member base as well as other individuals, families, and businesses across the United States. The agency employs independent agents who shop multiple "A"-rated carriers — including Aflac, Auto-Owners, Encompass, Hagerty, The Hartford, Liberty Mutual, National General, Progressive, Travelers, and Safeco — rather than acting as a captive agent for any single insurer. Headcount is stated at 11–50 employees, and no revenue figures are disclosed in any source material.

The agency's offerings are organized into three service lines. Personal Insurance covers auto, homeowners and flood, golf cart and recreational vehicle, life, AD&D, major medical, Medicare supplement, pet, supplemental health, umbrella, identity theft protection (via PrivacyGuard/Trilegiant), recuperative care, and Aflac cancer protection. Business Insurance includes workers' compensation, general and management liability, commercial property and auto, surety bonds, business-related life, cyber liability, and business interruption, supplemented by a Certified Risk Manager-led risk management advisory practice. Employee Benefits services comprise benefits benchmarking, benefits integration, and a Personalized Compliance Dashboard that tracks ERISA, HIPAA, and Health Care Reform obligations for employer clients.

The business operates primarily on a commission-based revenue model, augmented by subscription referral fees on PrivacyGuard ($9/$14/$19 per month tiers) and professional-services fees for risk management and employee benefits consulting. Personal insurance pricing is quote-based and not publicly disclosed. Customer-facing technology is limited to online quote forms hosted by EZLynx that route submission data to multiple carriers, with no public API, no proprietary platform, and no disclosed AI capabilities. The agency's competitive position is therefore anchored in its parent credit union affiliation rather than in technology differentiation.

Name

Members Insurance Advisors

Legal name

Members Insurance Advisors, LLC

Website

https://membersia.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Members Insurance Advisors is an independent insurance agency and wholly owned subsidiary of Delta Community Credit Union, offering personal, business, and employee benefits coverage through multiple "A"-rated carriers to credit union members and other clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Business insurance services
• Employee benefits consulting
• Multi-carrier insurance agency

Headquarters

HQ city

Peachtree City

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions from Multiple A-Rated Carriers: Core revenue stream generated as an independent insurance agency placing personal, business and life insurance policies through multiple 'A' rated carriers (Aflac, Auto-Owners, Encompass, Hagerty, The Hartford, Liberty Mutual, National General, Progressive, Travelers, Safeco, Prudential, TruStage, etc.). Commission-based earnings on each policy placed.
2. PrivacyGuard Identity Protection Referral/Subscription: Referral/resale of PrivacyGuard identity theft protection subscription plans (Silver $9/mo, Gold $14/mo, Platinum $19/mo) powered by Trilegiant Corporation. Includes credit monitoring, dark web scanning, SSN monitoring and ID verification services.
3. Employee Benefits Consulting & Integration Fees: Advisory fees and commissions from employer-sponsored benefits consulting, benefits benchmarking, benefits integration, and regulatory compliance services for businesses. Includes plan design, claims analysis and cost-containment research.
4. Risk Management Consulting Services: Fee or bundled revenue from Certified Risk Manager-led risk assessments, complimentary risk management consultations, and ongoing risk monitoring services for business clients.

Pricing tiers

Go-to-market motion3 records

Core offering

Members Insurance Advisors is an independent insurance agency that places personal, business, and life insurance policies through multiple A-rated carriers on behalf of individuals, families, and businesses. It also delivers employee benefits advisory services (benefits benchmarking, integration, and regulatory compliance) and risk management consultations led by Certified Risk Managers. Revenue is generated primarily through carrier commissions on placed policies, supplemented by subscription resale of identity protection and professional-services fees for benefits and risk consulting.

Product overview

Members Insurance Advisors operates a single unified insurance brokerage platform organized into three interconnected service lines: Personal Insurance (Auto, Homeowners & Flood, Golf Cart & Recreational Vehicle, Life, AD&D, Major Medical, Medicare Supplement, Pet, Supplemental Health, Umbrella, Identity Theft Protection, Recuperative Care, and Aflac Cancer Protection Assurance), Business Insurance (Workers Compensation, Business Liability, Business Auto, Commercial Property, Management Liability, Surety Bonds, Business Related Life Insurance, Cyber Liability, and Business Interruption Insurance, plus Risk Management services), and Employee Benefits (Benefits Benchmarking, Benefits Integration, and Regulations & Compliance with a Personalized Compliance Dashboard). The Personal Insurance portfolio is powered through technical integrations with EZLynx (quote forms), TruStage (life and AD&D), Aflac (cancer protection), Prudential (life), Chubb/Federal Insurance (recuperative care), Zurich American (supplemental health), ASPCA Pet Health Insurance (pet), and Trilegiant PrivacyGuard (identity protection); Business Insurance products are shopped across multiple A-rated carriers (Aflac, Auto-Owners, Encompass, Hagerty, The Hartford, Liberty Mutual, National General, Progressive, Travelers, Safeco). The platform is delivered by independent agents supported by Certified Insurance Consultants and Certified Risk Managers, with the whole operating as a wholly owned subsidiary of Delta Community Credit Union.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance covering liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and optional add-ons (towing and labor, gap coverage, rental reimbursement), shopped across multiple A-rated carriers for the best available quote. Available to individuals and businesses through personal and commercial lines.
• Homeowners & Flood Insurance Homeowners insurance covering dwelling, separate structures, personal property, loss of use, and liability, with optional flood insurance added on. Independent insurance consultants tailor coverage to homeowner priorities and replacement value.
• Golf Cart & Recreational Vehicle Insurance Coverage for golf carts, motorcycles, boats, ATVs, and RVs, with optional collision, liability, theft, and uninsured/underinsured motorist coverage. Policies are administered and underwritten by a third party.
• Life Insurance Term and whole life insurance offered through TruStage (CMFG Life Insurance Company) and Prudential, with policies available for up to $100,000 in coverage. No-medical-exam options available through Prudential, with approvals possible in minutes.
• Accidental Death & Dismemberment (AD&D) Insurance Accidental death and dismemberment coverage offering $2,000 complimentary to Delta Community members through TruStage, with up to $300,000 of additional supplemental coverage available at affordable rates.
• Major Medical Insurance ACA-qualified healthcare coverage for individuals and families, with enrollment available during the annual open enrollment period (typically November–December) or via Special Enrollment Period for qualifying events. Powered by Trove Group Specialty Benefits.
• Medicare Insurance Medicare Advantage (Part C), Medicare Supplement, and Medicare Prescription Drug Plan (Part D) education and enrollment services delivered through a partnership with MedicareCU, an independent insurance agency. No-cost, no-obligation consultation available to Delta Community members.
• ASPCA Pet Health Insurance Pet insurance for dogs and cats offered in partnership with the ASPCA, covering accidents and illnesses. Customized enrollment lets members select deductible, annual coverage, and reimbursement rate; underwritten by United States Fire Insurance Company and administered by C&F Insurance Agency.
• Supplemental Health Insurance Accident Insurance, Hospital Accident Insurance Plan, and Critical Illness Insurance products underwritten by Zurich American Insurance Company, paying cash benefits directly to the insured for covered injuries, hospitalizations, and critical illness diagnoses.
• Umbrella Insurance Personal umbrella liability policy providing additional coverage beyond auto and home liability limits, covering attorney fees, false arrest, libel, and invasion of privacy claims.
• Identity Theft Protection (PrivacyGuard) PrivacyGuard identity protection service from Trilegiant Corporation offering three tiers: Silver ($9/mo), Gold ($14/mo), and Platinum ($19/mo). Includes credit monitoring, dark/public web monitoring, SSN monitoring, fraud resolution, and up to $1M in ID theft insurance. Not available in Iowa, Rhode Island, and Vermont.
• Recuperative Care Insurance Hospital indemnity / recuperative care policy paying a lump sum per day hospitalized, supplementing major medical coverage. Administered and underwritten by Federal Insurance Company, a Chubb company.
• Aflac Cancer Protection Assurance Cancer protection insurance from Aflac providing cash benefits for early detection, preventative care, treatment, and second opinions. Available to Delta Community members residing in Georgia at discounted rates.
• Workers Compensation Insurance Wage replacement and medical benefits coverage for work-related injuries, ensuring adequate coverage for employee incidents and protecting the company from related legal action. Shopped across multiple A-rated business carriers.
• Business Liability Insurance General Liability Insurance coverage protecting businesses from claims resulting from property damage, bodily injury, or personal and advertising injuries that could put business assets at risk.
• Business Auto Insurance Coverage for costs resulting from auto accidents in company vehicles, including damaged property and medical expenses.
• Commercial Property Insurance Coverage providing financial assistance in the event of fire, natural disaster, theft, or vandalism for items such as office buildings, computers, furniture, or inventory.
• Management Liability Insurance Coverage for situations resulting from legal action against directors, officers, employers, and companies, addressing the increasing legislation holding them liable for their actions.
• Surety Bonds Bonds guaranteeing payment of an agreed-upon amount should a company incur losses due to a third party's failure to fulfill contract terms or obligations.
• Business Related Life Insurance Key-person and succession-planning life insurance compensating companies for financial losses arising from the death or extended incapacity of an important member of the company.
• Cyber Liability Insurance Coverage protecting companies from information technology risks such as data distortion, hacking, extortion, network infections, denial of service attacks, and failure to safeguard data.
• Business Interruption Insurance Coverage for up to 12 months of lost income when a company is forced to halt operations due to damaged property preventing normal business functions.
• Risk Management Services Complimentary risk management consultation delivered by Certified Risk Managers, including HR policy assessment, physical plant inspections, insurance policy review, full claims history analysis, industry-specific risk questionnaires, and financial statement analysis to determine appropriate coverage.
• Benefits Benchmarking Service comparing a company's benefits package against competing employers within the industry to support retention of top employees and attraction of new talent.
• Benefits Integration Service identifying gaps in core and voluntary benefits coverage and designing integrated employer-sponsored benefits plans, with cost-containment research, benefit summaries, claims analysis, employee communication materials, and plan administration guidance.
• Regulations & Compliance (Personalized Compliance Dashboard) Compliance advisory service for ERISA, HIPAA, Health Care Reform, and other federal regulations. Includes a Personalized Compliance Dashboard that tracks internal policies against personalized organization parameters and notifies HR professionals when action is needed.
• Online Personal Insurance Quote Forms Online quote request forms for Multi-Policy, Auto, Homeowners, Condominium, and Renters insurance, completable in two to three minutes. Form submissions are handled by EZLynx and routed to Members Insurance Advisors, with a callback within 48 business hours.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Recent moves6 records

Expansion highlights1 record

Broad incumbents

• Acrisure: Acrisure is one of the largest US insurance brokerages, operating across personal, commercial, and employee benefits lines through thousands of agents. While vastly larger and more diversified than MIA, it competes in the same multi-carrier brokerage space.
• Lockton Companies: Lockton is the world's largest privately held insurance brokerage, providing risk management, commercial insurance, and employee benefits consulting. Competes with MIA in commercial lines and employee benefits, but operates at far greater scale and complexity.
• HUB International: HUB International is a large North American insurance brokerage offering personal, commercial, and employee benefits products through regional offices. Overlaps significantly with MIA's product mix and target customer base, though at much greater scale.
• Brown & Brown Insurance: Brown & Brown is a major US insurance brokerage delivering personal, commercial, and employee benefits solutions through a national network of offices. Comparable product set and customer segments to MIA, though with substantially broader scale and geographic reach.

Emerging players

• Lemonade Inc. Lemonade is a digital-first insurance carrier competing in renters, home, auto, and pet insurance with an AI-native direct-to-consumer model. Represents the primary disruptive threat to MIA's personal lines book rather than a direct product peer, but increasingly relevant for share-of-wallet competition.
• AssureStart (TruStage-affiliated agencies): TruStage-affiliated agencies distribute life, AD&D, and personal lines to credit union members nationwide — the same credit-union-channel distribution model that anchors Members Insurance Advisors. Direct strategic parallel given shared TruStage and credit-union affinity distribution.

Regional players

• Country Financial: Country Financial is a regional mutual insurer and broker offering personal, commercial, and life insurance concentrated in the Midwest and South. Comparable in product breadth to MIA but serves a different geographic footprint and operates as a carrier-broker hybrid.

Direct peers

• Brightway Insurance: Brightway Insurance is a large US independent insurance agency franchising retail locations that shop multiple carriers for home, auto, and business insurance. Its independent retail agency model and multi-carrier platform directly parallel Members Insurance Advisors' GTM.
• Goosehead Insurance: Goosehead Insurance is a publicly traded independent insurance agency that shops across multiple carriers for personal and commercial lines, similar to Members Insurance Advisors' model. Both agencies emphasize independent agent expertise and multi-carrier comparison to deliver choice to customers.

Others

• Delta Community Insurance Services (affiliate comparison): Delta Community Credit Union itself is the parent and primary distribution partner of MIA. While not a true peer, it is the most strategically important relationship for the agency and the only entity with full visibility into MIA's economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/members-insurance-advisors-llc-a-subsidiary-of-delta-community-credit-union

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Members Insurance Advisors