John J Boyd & Associates

What John J Boyd & Associates does

John J. Boyd & Associates is a privately held, family-owned independent insurance agency founded in 1981 and headquartered in a single office in Utica, Michigan. Operating under the legal name John J. Boyd & Associates, Inc., the firm functions as a multi-carrier brokerage rather than a captive agent, representing Priority Health, Blue Cross Blue Shield, Delta Dental, HAP, WellCare, and GeoBlue among others. The agency is licensed in five states — Michigan, Florida, Kentucky, Ohio, and South Carolina — and is led by founder John Boyd (President) with second-generation family involvement from Vice President Tracy Boyd-Shippy. The firm employs nine team members across sales, account management, and administrative functions.

The business is organized around three product lines: Employee Benefits (group health, dental, vision, disability, life, long-term care, 401(k), HSA/FSA, critical illness, accident, hospital indemnity, telemedicine, EAP, and voluntary benefits); Personal Insurance (individual health, ACA and short-term medical plans, individual dental, travel insurance, and long-term disability); and Medicare solutions (Medicare Advantage, Part D, dental/vision/hearing, hospital indemnity, and final expense). The go-to-market is sales-led and relationship-driven, combining direct office consultations, inbound phone contact, online quote request forms, and referral partnerships with carrier websites. Marketing is supported by a content-rich website, an active educational blog, multi-platform social media presence, and Google/Yelp reviews. Revenue is generated via standard independent agency commissions on policies placed and renewed across the carrier network — a recurring commission model typical of insurance brokers.

The firm serves three primary customer segments: small to mid-sized employer groups seeking competitive benefits packages, individuals and families needing personal coverage including ACA marketplace plans, and Medicare-eligible seniors requiring supplemental guidance. A disclosed named client is Children's Leukemia Foundation of Michigan, a nonprofit for which John Boyd has historically served as health insurance agent. The company has no proprietary technology platform, no app, no API, no disclosed patents, and no AI/ML capabilities. There are no disclosed funding rounds, acquisitions, or material leadership changes beyond the second-generation family succession. Operational scale is modest, financial data is undisclosed, and the business profile is consistent with a stable, mature, locally-rooted independent agency rather than a venture-backed or high-growth entity.

Name

John J Boyd & Associates

Legal name

John J. Boyd & Associates, Inc.

Website

https://johnjboyd.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

John J. Boyd & Associates is a privately held, family-owned independent insurance agency in Utica, Michigan, founded in 1981, offering employee benefits, personal insurance, and Medicare solutions through a 9-person team and multi-carrier brokerage model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

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), Small Group Health Insurance (2–50/100) (FSAIAFAD), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Independent insurance agency
• Employee benefits brokerage
• Medicare insurance advisory
• Individual health insurance
• Group benefits planning

Headquarters

HQ city

Utica

HQ country

United States

HQ region

North America

Offices1 record

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 Agency Commissions: As an independent insurance agency, John J. Boyd & Associates earns commissions from insurance carriers for policies placed and maintained. The agency represents multiple insurance companies and receives compensation when customers purchase and renew insurance policies through their services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

John J. Boyd & Associates is an independent insurance agency that brokers a comprehensive range of insurance products to individuals, families, and small-to-mid-sized businesses. The agency represents multiple insurance carriers to deliver employee benefits (group health, dental, vision, disability, life, retirement plans), personal insurance (individual health, ACA, dental, travel), and Medicare solutions (Advantage, Part D, supplemental coverage). Licensed advisors provide one-on-one consultation, enrollment assistance, and ongoing claims support.

Product overview

John J. Boyd & Associates is an independent insurance agency offering a comprehensive portfolio of insurance products organized into three main categories: Employee Benefits, Personal Insurance, and Medicare solutions. The company operates as an independent agency representing multiple insurance carriers, providing personalized insurance solutions since 1981. Employee Benefits include group health, dental, vision, disability, and long-term care insurance, along with retirement plans (401k, HSA, FSA), voluntary benefits, and workplace support programs (EAP, telemedicine). Personal Insurance offerings cover individual health, dental, travel coverage, and ACA/short-term plans. Medicare solutions include Parts A-D guidance, Medicare Advantage, supplement plans, and final expense insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Health Insurance Group medical insurance coverage offered through employer groups, covering employee health expenses and helping businesses recruit and retain staff.
• Group Dental Insurance Group dental coverage for employees including diagnostic, preventative, and corrective services such as cleanings, exams, X-rays, and orthodontia.
• Group Vision Insurance Group vision coverage for employees including exams, frames, lenses, contact lenses, and safety glasses.
• Group Disability Insurance Group short-term and long-term disability coverage protecting employees from temporary loss of income due to illness or injury, typically paying a percentage of salary.
• Long-Term Care Insurance Coverage for costs of home care, adult daycare, nursing home, and respite care services not covered by health insurance or Medicaid.
• 401(k) Retirement Plan Employer-sponsored retirement savings plan allowing employees to defer a portion of salary on a tax-free basis until withdrawal, with potential employer matching.
• Group Voluntary Benefits Package Bundle of optional employee-paid benefits such as critical illness, hospital indemnity, dental, vision, life, and disability coverage offered at reduced group rates.
• Individual Health Insurance Health coverage for individuals and families not covered through employer plans, available through the ACA marketplace or direct carriers.
• ACA and Short-Term Medical Plans Affordable Care Act-compliant plans and flexible short-term medical coverage options for individuals needing insurance before Medicare eligibility.
• Individual Dental Insurance Dental coverage for individuals and families covering cleanings, exams, X-rays, fillings, and orthodontia.
• Travel Insurance Travel coverage including medical protection, baggage coverage, trip cancellation, and emergency evacuation for international and domestic travelers.
• Medicare Advantage Plans Medicare Advantage plans offered by private insurers as an alternative to Original Medicare, often including prescription drugs and additional benefits such as dental and vision.
• Medicare Part D Prescription Drug Coverage Standalone prescription drug coverage plans for Medicare beneficiaries, offered through private insurance companies.
• Medicare Dental, Vision, and Hearing Plans Standalone coverage for dental exams, vision care, glasses, and hearing aids for Medicare beneficiaries needing supplemental benefits.
• Final Expense Insurance Permanent life insurance with benefits typically ranging from $5,000 to $20,000 or more, designed to cover funeral costs and related end-of-life expenses.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Priority HealthcoreChannel Partner/ Reseller/ DistributorPriority Health is a Michigan-based health plan partner. John J. Boyd & Associates offers Priority Health Short-Term Health Quotes and Individual Health Plans to customers seeking coverage.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDelta Dental is a dental insurance carrier partner. The agency offers Delta Dental Individual Dental Quotes through their website for customers seeking dental coverage.
• Blue Cross Blue Shield (BCBS)coreChannel Partner/ Reseller/ DistributorBlue Cross Blue Shield is a major health insurance carrier partner. The agency offers BCBS Individual Health Quotes, Medicare plans, and International Medical/Travel Insurance quotes.
• HAP (Health Alliance Plan)coreChannel Partner/ Reseller/ DistributorHAP is a Michigan-based health plan partner offering Medicare Advantage plans and individual health insurance options through the agency.
• WellCare MedicarecoreChannel Partner/ Reseller/ DistributorWellCare Medicare is a Medicare Advantage plan carrier partner available through the agency for Medicare-eligible customers.
• GeoBlue Travel InsuranceminorChannel Partner/ Reseller/ DistributorGeoBlue Travel Insurance provides international medical coverage options. The agency offers GeoBlue International Medical Quotes for customers traveling abroad.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Leavitt Group: Independent insurance agency network offering multi-line personal, commercial, and benefits products across multiple states. Operates a similar multi-carrier independent agency model and would compete head-to-head for SMB and individual clients.
• Frankenmuth Insurance: Michigan-headquartered mutual insurer with an in-house independent agency distribution model. Overlaps geographically with John J. Boyd & Associates in the Michigan market and serves similar personal and small-commercial lines.
• Houchens Insurance Group: Independent, family-owned insurance agency offering personal, commercial, and group benefits across multiple states. Closely comparable family business model and multi-line independent agency value proposition.

Broad incumbents

• Acrisure: One of the largest insurance brokerages globally, built largely through acquiring independent agencies like John J. Boyd & Associates. Represents the consolidation path available to the firm while also competing for the same independent agency–type clients at national scale.
• USI Insurance Services: Large national insurance brokerage and employee benefits consulting firm. Overlaps directly on the small-group benefits and personal lines business John J. Boyd & Associates serves, while offering broader scale and resources.
• Alera Group: National insurance and wealth management firm formed by aggregating independent agencies. Directly comparable product portfolio across employee benefits, personal insurance, and Medicare, and offers an alternative affiliation path for independent agencies.
• Hilb Group: Mid-Atlantic and national insurance brokerage platform with property/casualty, benefits, and personal lines. Competes for small-business and individual clients in markets where John J. Boyd & Associates operates.

Emerging players

• GoHealth: Online Medicare brokerage specializing in Medicare Advantage and Medicare Supplement plans. Direct competitor for the Medicare Beneficiaries (65+) primary segment that John J. Boyd & Associates serves.
• eHealth: Online health insurance marketplace that brokers individual, family, and Medicare plans. Overlaps directly with John J. Boyd & Associates' individual health and Medicare segments and represents the digital-disruption threat to a traditional agency model.
• SelectQuote: Online insurance comparison platform focused on life, Medicare, and supplemental health. Competes for the individual customer segment and exemplifies the digital purchasing trend eroding traditional agency traffic.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/john_j_boyd2022
• Facebookfacebook.com/JohnJBoydAssociatesInc
• LinkedInlinkedin.com/in/john-boyd-52519a20
• Instagraminstagram.com/boyd_and_associates

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 John J Boyd & Associates