Borden Hamman Agency

What Borden Hamman Agency does

Borden Hamman Agency (also marketed as Borden Hamman Insurance Marketing, or BHIM) is a privately held independent marketing organization (IMO) founded in 1975 and headquartered in Dallas, Texas. It operates as a wholesale brokerage partner for independent insurance agents and financial advisors across the United States, providing contracted access to a broad portfolio of insurance carriers and products spanning life insurance, long-term care, annuities, and disability income. The firm does not sell directly to consumers; its end customers are the independent agents it contracts with, who in turn place coverage with their own retail clients.

The company's core product surface is an agent-facing digital platform built around workflow tools: a Term Quote Engine for generating life insurance quotes, an Online Applications portal for electronic submission, an Annuity Search Engine for product lookup across carrier partners, specialized Long-Term Care quoting tools, a Print Forms repository, and a Social Media Resource Center with marketing content such as infographics and customizable email templates. Complementary resources include a Business Owner Resource Center (buy-sell, key person, executive benefits), a Policy Review Toolkit, a "Quote with Confidence" archive for non-standard health-condition cases, and a Loyalty Rewards program routed through AwardLink. Securities products are made available through a partnership with The Leaders Group, Inc., a separate FINRA/SIPC broker-dealer.

Borden Hamman earns revenue through commission overrides from its carrier relationships, paid on business submitted by contracted independent agents. Carrier commissions are the single disclosed revenue stream, structured as transaction fees (overrides and direct/indirect commissions) on placed policies. Pricing is not publicly disclosed; agent contracting and commission schedules are gated behind authenticated portal access. The firm's go-to-market is channel-driven: it recruits and retains independent agents via marketing content, digital tools, and carrier access rather than direct consumer advertising. No funding rounds, M&A activity, leadership changes, or regulatory actions are recorded in the available data.

Name

Borden Hamman Agency

Legal name

Borden Hamman Agency

Website

https://bordenhamman.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

Borden Hamman Agency is a Dallas-based independent marketing organization founded in 1975 that connects US independent insurance agents with over 50 carriers for life, long-term care, annuity, and disability income product distribution.

Ownership category

akta.pro rank

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Carrier Commissions: Borden Hamman Agency earns commissions from insurance carriers for placing life insurance, long-term care, annuity, and disability income business through their network of independent agents. The company has been operating as a brokerage partner since 1975, earning overrides and commissions from their carrier relationships.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Borden Hamman Agency is an Independent Marketing Organization (IMO) that acts as a wholesale brokerage partner for independent insurance agents, providing contracted agents with access to 50+ insurance carriers for life insurance, long-term care, annuities, and disability income products. The firm supports agents with digital quoting engines, online application portals, carrier updates, and a Loyalty Rewards incentive program, and earns override commissions from carriers on policies placed through its agent network.

Product overview

Borden Hamman Agency operates as an independent marketing organization (IMO) connecting insurance agents with insurance carriers. The company offers a portfolio of agent-facing digital tools and marketing resources including the Term Quote Engine, Online Applications portal, LTC Quoting Tools, and Annuity Search Engine. These tools are complemented by marketing support materials through the Social Media Resource Center and Business Owner Resource Center, plus the Loyalty Rewards incentive program. The core offering centers on facilitating life insurance, long-term care, annuity, and disability income product distribution through a network of carrier partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Quote Engine Online quoting tool for term life insurance products that enables contracted independent agents to generate quotes for clients through the Borden Hamman agent portal.
• Online Applications Digital application portal that allows independent agents to submit life, long-term care, annuity, and disability income insurance applications electronically to carrier partners.
• Print Forms Repository of printable insurance application forms and documents for independent agents who prefer paper-based submission workflows.
• LTC Quoting Tools Long-term care insurance quoting tools that enable independent agents to generate client proposals for LTC products offered through Borden Hamman carrier partners.
• Annuity Search Engine Searchable database of annuity products across carrier partners that assists independent agents with product selection and comparison.
• Social Media Resource Center Marketing content library that provides independent agents with infographics, GIFs, social media kits, and other digital marketing assets for promoting insurance products.
• Business Owner Resource Center Specialized sales tools and marketing materials targeted at business owner clients, covering buy-sell agreements, key person coverage, and executive benefits.
• Policy Review Toolkit Resource that supports independent agents in reviewing existing insurance policies with clients to identify coverage gaps and replacement or repositioning opportunities.
• Loyalty Rewards Program Producer incentive program that rewards contracted independent agents with points based on business submitted, redeemable through the AwardLink rewards catalog.
• Quote with Confidence Archive Reference guides for independent agents on quoting insurance for clients with various health conditions such as sleep apnea, diabetes, and substance use.
• Contracting and Commissions Access Authenticated portal services that provide contracted independent agents with contracting access, commission schedules, and carrier contact information across all 50+ carrier partners.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core.

• AIGcoreChannel Partner/ Reseller/ DistributorAIG is one of the insurance carriers available through Borden Hamman Agency, providing life insurance and retirement protection products to independent agents.
• AllianzcoreChannel Partner/ Reseller/ DistributorAllianz is an insurance carrier partner providing annuity and life insurance products through Borden Hamman's agent network.
• American Equity LifecoreChannel Partner/ Reseller/ DistributorAmerican Equity Life provides annuity products available to independent agents through Borden Hamman.
• AmericocoreChannel Partner/ Reseller/ DistributorAmerico is a carrier partner offering life insurance and annuity products through the Borden Hamman distribution network.
• AmeritascoreChannel Partner/ Reseller/ DistributorAmeritas provides life insurance and annuity products available to independent agents via Borden Hamman.
• AthenecoreChannel Partner/ Reseller/ DistributorAthene is an annuity carrier partner accessible through Borden Hamman's agent platform.
• John HancockcoreChannel Partner/ Reseller/ DistributorJohn Hancock provides life insurance products through the Borden Hamman carrier network.
• LincolncoreChannel Partner/ Reseller/ DistributorLincoln Financial Group provides life insurance and annuity products through Borden Hamman's independent agent network.
• Mass MutualcoreChannel Partner/ Reseller/ DistributorMassMutual is a major life insurance carrier available through Borden Hamman Agency.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide provides insurance products including life insurance and annuities through Borden Hamman's distribution platform.
• New York LifecoreChannel Partner/ Reseller/ DistributorNew York Life Insurance Company is a carrier partner offering life insurance products through Borden Hamman.
• Principal FinancialcoreChannel Partner/ Reseller/ DistributorPrincipal provides life insurance and retirement products accessible through Borden Hamman's agent platform.
• PrudentialcoreChannel Partner/ Reseller/ DistributorPrudential Financial is a major insurance carrier partner available to independent agents through Borden Hamman.
• TransamericacoreChannel Partner/ Reseller/ DistributorTransamerica offers life insurance and annuity products through Borden Hamman's carrier network.
• The Leaders Group, Inc.coreChannel Partner/ Reseller/ DistributorSecurities are offered through The Leaders Group, Inc., a FINRA/SIPC member broker-dealer. This partnership enables Borden Hamman to offer securities products alongside their insurance offerings.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Prudential Financial: Prudential is a major life and retirement carrier that distributes through independent agents, financial advisors, and IMOs such as Borden Hamman (Prudential is listed among Borden Hamman's core carrier partners). It represents the same broad life and annuity distribution economics Borden Hamman operates within.
• Integrity Marketing Group: Integrity is the largest U.S. IMO/FMO roll-up, distributing life, annuity, health, and Medicare products through a nationwide agent network via integrated marketing organizations similar in concept to Borden Hamman. It is a much larger, public-company incumbent that defines the consolidation endgame Borden Hamman's business model could be a target in.
• Lincoln Financial Group: Lincoln Financial provides life insurance, annuities, and group benefits through independent financial advisors and IMOs (including Borden Hamman, where Lincoln is listed as a core carrier partner). It is comparable as both an upstream carrier counterpart and a competitor for the same agent-attached distribution business.
• Corebridge Financial: Corebridge (formerly AIG Life & Retirement) is one of the largest U.S. life and retirement carriers — AIG is listed among Borden Hamman's channel-partner carriers. Corebridge offers individual life, group retirement, and annuities through independent distributors and is a relevant peer in the same life and annuity distribution channel.
• Symetra Financial Corporation: Symetra is a prominent annuity, life, and retirement-plan carrier that distributes primarily through independent agents and IMOs — including Borden Hamman. As a Borden Hamman carrier partner, Symetra is a peer in the same life and annuity distribution ecosystem and competes to capture the same agent relationships from the carrier side.

Emerging players

• Haven Life: Haven Life is a direct-to-consumer term life insurer (subsidiary of MassMutual, one of Borden Hamman's carrier partners) offering fully online term life applications. It is relevant because the underwriting agent capabilities of modern D2C carriers directly encroach on the segments currently distributed via Borden Hamman's agent network.
• Ladder Financial: Ladder is a direct-to-consumer term life insurance platform offering instant online applications with no-software underwriting. It is comparable to Borden Hamman in the same life insurance category but operates through a digital D2C model that competes for the same end consumer without using independent agents.
• Ethos Life: Ethos is a digital-first direct-to-consumer life insurer using simplified underwriting and an online application. It competes in the same life insurance distribution space Borden Hamman serves, but bypasses independent agents entirely — an emerging threat to traditional IMO models.

Direct peers

• Crump Life Insurance Services: Crump is one of the largest independent wholesalers and insurance marketing organizations in the U.S., providing life, annuity, long-term care, and disability income products to independent agents through a broad carrier platform. Crump directly mirrors Borden Hamman's IMO/FMO model with multi-carrier access, underwriting, and back-office tools for agents.
• Ash Brokerage: Ash Brokerage is a leading independent life insurance brokerage general agency distributing life, annuity, and disability income products to thousands of independent producers. It is the closest functional peer to Borden Hamman given its multi-carrier distribution, agent-facing digital tools, and 50+ year history serving the independent agent channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/BordenHamman
• YouTubeyoutube.com/channel/UCwXtD7awtExFJfgLGbW-Opw/videos
• Facebookfacebook.com/bordenhamman

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 Borden Hamman Agency