CNMA
CNMA Multi-Insurance Agency is an independent insurance brokerage and financial advisory firm founded in 1990, serving primarily U.S. retirees and pre-retirees with retirement planning, Social Security optimization, and estate planning, while also distributing IMG international medical and travel insurance to travelers, expatriates, and foreign nationals.
- Company typePrivate
- Founded1990
- HeadquartersOrange, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CNMA does
CNMA Multi-Insurance Agency is a privately-held, founder-owned independent insurance brokerage and financial advisory firm headquartered at 2202 W. Mills Drive, Orange, California, founded in December 1990 by Conrad "Radi" Miranda, LUTCF. The firm holds insurance producer licenses in California (No. 0612399) and Florida (No. W010286) and operates without external investment, parent company, or institutional ownership. Its primary customer segment is retirees and pre-retirees, with a secondary book of international travelers, expatriates, foreign nationals, students, and small businesses seeking cross-border or specialty coverage.
CNMA distributes a diversified product portfolio across two pillars. The first pillar consists of domestic insurance lines sold directly through consultative sales: life, health, disability, long-term care, critical illness, and personal property/auto/boat/recreational vehicle coverage. The second pillar is a reseller/producer relationship with International Medical Group (IMG), enabling CNMA to quote and sell a full suite of international medical and travel insurance products including Patriot Travel Medical, Global Medical Insurance, Patriot Platinum, Patriot Multi-Trip, Patriot Group, Patriot Exchange, Student Health Advantage, iTravelInsured, GEOSM Group, and International Marine/Global Crew Medical Insurance with coverage limits up to $8,000,000. Quotes are facilitated through IMG's online portal under CNMA's producer ID (11006).
Complementing its insurance offerings, CNMA delivers fee- and commission-based financial planning services including retirement income planning, Social Security maximization (claimed to add up to $1M in lifetime benefits), annuity reviews, estate planning with beneficiary coordination, and wealth transfer strategies for foreign nationals using U.S. Indexed Universal Life Insurance. The firm runs a three-step engagement model: introduction/consultation, plan building, and proactive ongoing management. Revenue is generated through affiliate/referral commissions on insurance product placements, with pricing structured around free initial consultations and product-specific quoting. Go-to-market relies on a WordPress-based website with downloadable educational PDFs (notably the Retirement Roadmap), free no-obligation consultation offers, and referral-driven acquisition, with the founder personally serving as the primary advisory relationship across more than 30 years of client relationships.
CNMA firmographics
Firmographics- Name
- CNMA
- Legal name
- CNMA Multi-Insurance Agency
- Website
- https://cnmainsurance.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CNMA Multi-Insurance Agency is an independent insurance brokerage and financial advisory firm founded in 1990, serving primarily U.S. retirees and pre-retirees with retirement planning, Social Security optimization, and estate planning, while also distributing IMG international medical and travel insurance to travelers, expatriates, and foreign nationals.
- Ownership category
- akta.pro rank
CNMA industry classification
Industry- Product category
- Insurance Brokerage and Financial Advisory Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Traditional Long-Term Care (LTC) Insurance (FSAIAJAA), Standalone Critical Illness Insurance (FSAIAKAA), International/Expatriate Individual Health Insurance (FSAIAEAH), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
Keywords
Where CNMA is headquartered
LocationHeadquarters
- HQ city
- Orange
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CNMA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Others
Revenue model
- Insurance Agency Commissions: CNMA Multi-Insurance Agency operates as an independent multi-insurance agency brokerage, earning commissions on insurance products sold including life, health, disability, long-term care, critical illness, property insurance, and international travel medical insurance through their partnership with IMG (International Medical Group). They also earn commissions on retirement annuity products and financial planning services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Consultation-based pricing - Free initial consultation |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
CNMA product offering
Product offeringCore offering
CNMA Multi-Insurance Agency is an independent insurance brokerage and financial services firm that sells multi-line insurance products—including life, health, disability, long-term care, critical illness, property, and international travel medical insurance—and delivers personal financial planning services covering retirement income, Social Security, annuities, estate planning, and wealth transfers. The firm operates as an independent agent representing multiple carriers and is a licensed producer for International Medical Group (IMG) for international insurance offerings.
Product overview
CNMA Multi-Insurance Agency is an independent insurance brokerage and financial advisory firm offering a comprehensive portfolio of insurance products and financial planning services. The company resells international medical and travel insurance products from International Medical Group (IMG), including Patriot Travel Medical Insurance, Global Medical Insurance, Patriot Platinum, Patriot Multi-Trip, GEOSM Group, Patriot Exchange Program, Student Health Advantage, iTravelInsured, and marine crew insurance products (International Marine Medical Insurance, Global Crew Medical Insurance). Complementing these insurance offerings, CNMA provides financial planning services including retirement planning, Social Security maximization, annuity reviews, estate planning, and wealth transfer strategies for foreign nationals. The insurance services division offers life, health, disability, long-term care, critical illness, and property coverage. The firm operates a three-step process: introductions, plan building, and proactive management.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance Term, whole, and universal life insurance products shopped across multiple carriers for individual consumers and small business owners needing personal or key-person protection.
Quantifiable outcome
- Social Security optimization can add $1M to retirement fund
Companies that use CNMA
Customer profileSegments4 records
Ideal customer profiles3 records
CNMA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CNMA partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- International Medical Group (IMG)coreCNMA Multi-Insurance Agency operates as a licensed producer/agent for IMG's international insurance products including Patriot Travel Medical Insurance, Global Medical Insurance, Patriot Exchange Program, Student Health Advantage, and marine crew insurance. IMG underwrites these products through Sirius International Insurance Corporation. CNMA earns commissions on all policies sold through this partnership, with access to quote and purchase platforms for individual, group, student, and specialty coverage.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
CNMA competitors and assessment
Company assessmentBroad incumbents
- MassMutual: Mutual life insurer with a financial-advisor channel selling life, disability, long-term care, and retirement income products. Directly competes for CNMA's retiree-segment life and retirement-income business.
- State Farm: Mass-market insurance carrier with one of the largest U.S. agency networks, distributing life, health, property, and small-business products through captive agents. Comparable in customer-acquisition approach (consultative local agent) but with vastly larger scale.
- New York Life: Large mutual life insurer with a career-agent distribution force selling life insurance, annuities, long-term care, and investment products. Comparable retirement/insurance product mix with a captive-agent twist versus CNMA's independent-broker model.
- Northwestern Mutual: Large established financial services firm offering life insurance, disability, long-term care, and retirement planning through a career-advisor (advisory/agency hybrid) model. Overlaps heavily with CNMA's retirement and insurance product set but at materially greater scale.
- Cigna Global Health Insurance: Global health insurer with individual expatriate and international travel medical plans sold through broker distribution. Overlaps with CNMA's IMG-based international product offerings in target customer and use case.
Direct peers
- Edward Jones: Independent financial advisory and insurance agency serving individuals and families with retirement, estate, and insurance planning. Highly comparable in business model — commission-/fee-based advisor selling multiple carrier products to retiree and pre-retiree households.
- Ameriprise Financial: Independent financial advisory and wealth management franchise with advisors offering retirement, insurance, and estate planning. Closely mirrors CNMA's consultative, multi-product, individual-client model but with broader geographic and product reach.
- World Nomads: International travel insurance provider offering trip cancellation, medical, and evacuation coverage to U.S. and global travelers. Comparable to CNMA's iTravelInsured and Patriot Travel Medical products distributed through IMG.
- GeoBlue: Specialist international/expatriate health and travel medical insurance provider serving U.S. citizens abroad and foreign nationals in the U.S. Directly comparable to CNMA's IMG-distributed international medical, student, and expatriate product set.
- Primerica: Middle-market-focused financial services company distributing term life, mutual funds, annuities, and senior products through a large independent sales force. Comparable in target demographic (middle-income households approaching retirement) and multi-product brokerage approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
CNMA social profiles
Digital presenceCNMA financial estimates
Financial estimateRevenue estimate
Valuation estimate
CNMA leadership team
Management profileNumber of profiles
Profiles1 record
CNMA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CNMA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CNMA
What does CNMA do?
CNMA Multi-Insurance Agency is an independent insurance brokerage and financial services firm that sells multi-line insurance products—including life, health, disability, long-term care, critical illness, property, and international travel medical insurance—and delivers personal financial planning services covering retirement income, Social Security, annuities, estate planning, and wealth transfers. The firm operates as an independent agent representing multiple carriers and is a licensed producer for International Medical Group (IMG) for international insurance offerings.
Is CNMA a public or private company?
CNMA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CNMA founded?
CNMA was founded in 1990. It employs 11 to 50 people.
Where is CNMA based?
CNMA is headquartered in Orange, United States, in the North America region.
How does CNMA make money?
One revenue line is on record: insurance Agency Commissions.
Who are CNMA's main competitors?
Broad incumbents on record are MassMutual, State Farm, New York Life, Northwestern Mutual and Cigna Global Health Insurance. Direct peers are Edward Jones, Ameriprise Financial, World Nomads, GeoBlue and Primerica.
Does CNMA have an API?
No public API is recorded for CNMA.
What industry is CNMA in?
CNMA's product category is Insurance Brokerage and Financial Advisory Services. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs). Its NAICS code is 5242 and its SIC code is 6411.