Credit Union Insurance Agency

What Credit Union Insurance Agency does

Credit Union Insurance Agency, LLC (CUIA) is a 100% independent insurance agency founded in 2002 and headquartered in St. Charles, Missouri. The company is a wholly owned subsidiary of Members Resource LLC, a Credit Union Service Organization (CUSO), and operates as the in-house insurance arm serving credit union members across Missouri, Illinois, and Kansas, with primary focus on St. Charles county and the greater St. Louis metro area. CUIA employs 51-100 staff and distributes personal and commercial insurance products through a sales-led, referral-driven go-to-market model that relies on credit union member referrals, direct phone contact, website quote forms, and community outreach.

The agency offers a broad product portfolio spanning approximately 40 line items. Personal lines include auto, homeowners, renters, condo, specialty dwelling, earthquake, motorcycle, ATV/powersports, recreational vehicle, collector car, umbrella, life, wedding, and high-net-worth insurance. Commercial lines are segmented by vertical and cover artisan contractors (electricians, plumbers, painters, landscapers, HVAC, janitorial), professional offices (accountants, lawyers, engineers, realtors, medical offices), restaurants (fine dining, casual, fast food, deli, coffee shop), and retail/service businesses (boutiques, bakeries, florists, jewelers, drugstores, salons, dry cleaners). Because the agency is independent rather than captive, it represents multiple highly-rated carriers and earns commissions by comparison-shopping on behalf of each customer to optimize cost and coverage.

CUIA's underlying technology stack is minimal and largely outsourced: quote origination is handled through embedded third-party platforms (insuranceform.app for home and auto, back9ins.com for life), policy applications are completed via DocuSign, and customer acquisition runs through the company website, Google organic search, Facebook, and direct phone contact. Revenue is generated exclusively through insurance carrier commissions, with pricing determined per-policy based on individual risk factors; the company notes umbrella policies typically start around $150 per year and emphasizes savings versus major TV-advertised carriers. The agency does not expose a public API, has no disclosed patents, certifications, or AI capabilities, and operates with a consultative, relationship-driven sales motion rather than a self-service digital platform.

Name

Credit Union Insurance Agency

Legal name

Credit Union Insurance Agency, LLC

Website

https://mycuia.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Union Insurance Agency is a 100% independent insurance agency, founded in 2002 and owned by Members Resource LLC, serving credit union members and small businesses across Missouri, Illinois, and Kansas with personal and commercial lines sourced from multiple carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

St. Charles

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 Commissions: The agency earns commissions from multiple insurance carriers for policies sold. As a 100% independent agency, they represent multiple highly-rated insurance companies and earn referral fees or commissions when customers purchase policies through them.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Credit Union Insurance Agency is a 100% independent insurance agency that brokers personal and commercial insurance policies on behalf of multiple highly-rated insurance carriers. It sells and services policies including auto, home, umbrella, life, renters, condo, recreational vehicle, motorcycle, powersports, wedding, earthquake, high-net-worth, and specialty dwelling coverage for individuals, alongside industry-specific commercial packages for restaurants, artisan contractors, professional offices, and retail/service businesses. Revenue is generated through carrier commissions on placed policies.

Product overview

Credit Union Insurance Agency is a 100% independent insurance agency serving credit union members since 2002. The company offers a comprehensive portfolio of insurance products through multiple carrier relationships, categorized into Personal Insurance and Commercial/Business Insurance. Personal products include Auto Insurance, Commercial Auto Insurance, Collector Car Insurance, Recreational Vehicle Insurance, Motorcycle Insurance, ATV & Powersports Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Specialty Dwelling Insurance, Earthquake Insurance, Wedding Insurance, Umbrella Insurance, High Net Worth Insurance, and Life Insurance. Commercial offerings span restaurant insurance (Fine Dining, Casual Dining, Fast Food, Deli Shop, Coffee Shop), office insurance (Medical Office, Lawyer, Engineer, Realtor, Accountant), artisan contractor insurance (Electrician, Plumber, Painter, Landscaper, HVAC Contractor, Commercial Janitorial), and retail/service business insurance (Clothing Boutique, Bakery, Florist, Jeweler, Drugstore, Nail and Beauty Salon, Dry Cleaner). As an independent agency, they shop multiple carriers to find optimal combinations of coverage and price for clients, offering flexible coverage and deductible options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance covering collision, comprehensive, property damage, and bodily injury liability protection for individual vehicle owners, available through CUIA's multi-carrier independent agency.
• Commercial Auto Insurance
• Collector Car Insurance
• Recreational Vehicle Insurance
• Motorcycle Insurance
• ATV & Powersports Insurance
• Homeowners Insurance
• Renters Insurance
• Condo Insurance
• Specialty Dwelling Insurance
• Earthquake Insurance
• Wedding Insurance
• Umbrella Insurance
• High Net Worth Insurance
• Life Insurance
• Electrician Insurance
• Plumber Insurance
• Painter Insurance
• Landscaper Insurance
• HVAC Contractor Insurance
• Commercial Janitorial Insurance
• Accountant Insurance
• Realtor Insurance
• Engineer Insurance
• Lawyer Insurance
• Medical Office Insurance
• Fine Dining Restaurant Insurance
• Casual Dining Restaurant Insurance
• Fast Food Restaurant Insurance
• Deli Shop Insurance
• Coffee Shop Insurance
• Clothing Boutique Insurance
• Bakery Insurance
• Florist Insurance
• Jeweler Insurance
• Drugstore Insurance
• Nail and Beauty Salon Insurance
• Dry Cleaner Insurance

Quantifiable outcome

• Routinely saves customers hundreds of dollars compared to major TV-advertised insurance companies.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• TruStage (CUNA Mutual Group): TruStage is the insurance and financial services arm built specifically for the credit union movement. While CUIA sells on a multi-line retail basis, TruStage competes indirectly as the dominant credit-union-affiliated insurance brand offering life, auto, and home products through credit union channels.
• Brown & Brown: Brown & Brown is a large publicly traded insurance brokerage and risk management firm with diversified personal and commercial lines across the U.S. Same independent brokerage DNA as CUIA but operating at massive national scale, often acquiring independent agencies.
• Marsh McLennan: Marsh McLennan is the world's largest insurance broker and risk advisor offering commercial and specialty lines globally. A broad incumbent that competes with independent agencies like CUIA for mid-market commercial accounts.

Direct peers

• Goosehead Insurance: Goosehead is a publicly traded independent insurance agency distributing personal lines through franchise agents and multi-carrier representation – a directly comparable model to CUIA's 100% independent agency structure across multiple carriers.
• Higginbotham: Higginbotham is one of the largest independent insurance brokerages in the U.S., offering commercial and personal lines through multi-carrier representation. Mirrors CUIA's independent, multi-line agency model but at significantly larger regional and national scale.
• Leavitt Group: Leavitt Group is a 100% employee-owned independent insurance agency network offering personal, commercial, and benefits products across western and midwestern U.S. states. Directly comparable to CUIA in independent agency model and geographic distribution focus on the Midwest/heartland.
• Insurance Office of America (IOA): IOA is a large, privately held independent insurance brokerage providing personal, commercial, and employee benefits across multiple states. Comparable to CUIA as a multi-line independent agency growing through carrier diversity and client specialization.

Emerging players

• SelectQuote: SelectQuote is a multi-channel insurance distribution platform (publicly traded) that compares multiple carriers for consumers (term life, auto, home). Comparable to CUIA in the comparison-shopping value proposition, though with a digital-direct versus agent-led delivery model.
• CoverWallet: CoverWallet is a digital insurance broker focused on small business owners, providing quotes across multiple carriers online. Represents the digital-native disruption to traditional agents like CUIA in the small commercial segment CUIA specializes in.
• Policygenius: Policygenius is a digital insurance marketplace comparing life, home, auto and disability policies across multiple carriers. Comparable to CUIA's comparison-shopping value proposition in personal lines, but delivered as a digital-first platform rather than through human agents.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mycuia
• Xx.com/mycuia
• LinkedInlinkedin.com/company/cuia

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 Credit Union Insurance Agency