Chimienti & Associates

What Chimienti & Associates does

Chimienti & Associates (legal name Chimienti & Associates Insurance Services) is a Visalia, California-based Managing General Agency founded in 2000 that distributes voluntary and employer-paid employee benefits. The firm operates under the U.S. Employee Benefits Services Group (USEBSG) umbrella and places business with over 30 top-rated insurance carriers including AIG, Aflac, Cigna, MetLife, Lincoln, Unum, and Guardian. It is structured as a private company with 1-10 employees and a Managing Partner (Marc Tomlinson) leading operations.

The company's product portfolio spans group voluntary benefits (accident, critical illness, hospital indemnity, group life, dental and vision, medical gap, short- and long-term disability, and telemedicine through 1.800MD and NaviGo Health) and individual products (Rx Valet pharmacy savings, individual dental and vision via the Select A Benefit sub-brand, and individual life insurance). Service offerings include internet-based enrollment with SSL encryption, a full-service enrollment call center, face-to-face benefits counseling, eligibility management systems (AdminDirect, BenefitsManagerPro.com, InRoll+, Ease Central, Celerix, Harmony, BenefitVision, Common Census), Common Remitter billing consolidation, and IRS Section 125 / Flexible Spending Account administration. A digital wellness platform (ConnectWell) and a CardTapp-powered mobile app extend the stack into employee well-being and engagement.

Chimienti monetizes primarily through insurance carrier commissions on placed policies, supplemented by administrative and service fees for enrollment and benefits management work, and technology platform fees for employers with 75+ employees using its eligibility systems. It sells through three concurrent GTM motions: a broker/agent distribution channel (its primary motion), direct enterprise sales to employers via Account Directors, and a self-service/call-center channel supporting individual and small-group enrollment. Customers are segmented horizontally across Brokers, Employers, and Individuals, with named government clients concentrated in California counties and municipalities (Kern, Tulare, Kings, San Joaquin, Calaveras, Santa Maria, City of Tulare).

Name

Chimienti & Associates

Legal name

Chimienti & Associates Insurance Services

Website

https://chimienti.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Chimienti & Associates is a Visalia, California-based Managing General Agency distributing voluntary employee benefits from 30+ insurance carriers to brokers, employers, and individuals across California, with enrollment, eligibility management, and Section 125 administration services.

Ownership category

akta.pro rank

Product category

Employee Benefits Insurance Brokerage

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Voluntary employee benefits
• Managing general agency
• Group insurance products
• Benefits administration
• Enrollment services

Headquarters

HQ city

Visalia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance Commission Revenue: As a Managing General Agency (MGA), Chimienti & Associates earns commissions from insurance carriers for placing voluntary and employer-paid benefit solutions. The company works with top-rated insurance carriers including AIG, Aflac, Ameritas, Allstate, Assurant, Assurity, Cigna, Colonial, Chubb, Fidelity Life, Guardian, Humana, Lincoln, MetLife, Mutual of Omaha, Transamerica, Unum, and others.
2. Administrative and Service Fees: Fees for enrollment services, benefits management, administration, compliance, and communication services provided to employers and brokers. Services include dedicated account managers and customer service representatives.
3. Technology Platform Fees: Revenue from providing access to proprietary enrollment and eligibility management systems, internet-based enrollment platforms, and common remitter services for employers with 75+ employees.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels4 records

Core offering

Chimienti & Associates is a full-service Managing General Agency (MGA) that distributes voluntary and employer-paid employee benefits from 30+ top-rated insurance carriers, and provides benefits management, administration, compliance, and communication services. The company sells a comprehensive suite of group and individual insurance products (accident, critical illness, hospital indemnity, life, dental/vision, disability, medical gap, telemedicine, pharmacy) to brokers, employers, and individuals, supported by proprietary enrollment and eligibility management technology.

Product overview

Chimienti & Associates is a Managing General Agency (MGA) offering voluntary and employer-paid employee benefit solutions. The company provides a comprehensive portfolio of insurance products including group offerings (Accident Insurance, Critical Illness Insurance, Hospital Indemnity Plans, Life Insurance, Medical Gap Insurance, Dental & Vision Insurance, Short & Long Term Disability, and Telemedicine) and individual products (Rx Valet pharmacy, Dental & Vision, Life Insurance). These products are complemented by enrollment services (call center, internet, and face-to-face), benefit eligibility management systems, IRS Section 125 flexible benefit plans, and common remitter billing services. The company utilizes multiple third-party enrollment platforms (AdminDirect, BenefitsManagerPro.com, InRoll+, Ease Central, Celerix, Harmony, Common Census, BenefitVision) and offers employee well-being tools through ConnectWell. With over 20 years of experience, the company serves brokers, employers, and individuals through partnerships with numerous insurance carriers.

Differentiator

Problem solved

Functional benefit

Brands

• Select A Benefit: A user-friendly website created by Chimienti & Associates to help individual clients learn about insurance plans and services and make enrollment selections. Offers life insurance, dental, and prescription drug plans with quotes and easy enrollment.

Products and services

• Accident Insurance Group accident insurance plan paying immediate cash benefits for covered injuries including fractures, dislocations, emergency room treatments, hospital admission, burns, lacerations, tendon/ligament injuries, torn knee cartilage, and eye injuries. Covers employee, spouse, and child under one schedule.
• Critical Illness Insurance Group critical illness insurance paying lump-sum benefits directly to employees upon diagnosis. Features census enrollment with no medical underwriting, automatic child coverage, $5,000 coverage at low rates, buy-up options, pre-existing condition clause, and annual health screening benefits.
• Hospital Indemnity Plans Affordable group hospital indemnity plans providing fixed daily benefits to cover out-of-pocket medical expenses under high-deductible health plans. Plan designs include hospitalization up to $1,500/day, hospital admission up to $1,500, outpatient treatment up to $1,000, intensive care up to $1,000, and outpatient accident benefits up to $500.
• Group Life Insurance Group life insurance including Combination Life (Universal/Whole Life combined with Term), Group Term Insurance, and LifeTime Benefit Term (permanent term with lifetime coverage and long-term care worth 3x death benefit). Coverage up to $500K or 5x annual salary.
• Medical Gap Insurance (Solutions Plus+ Gap) Group gap insurance plan that offsets employee deductible and coinsurance expenses. Covers non-routine doctor visits, hospitalization, outpatient surgeries, and diagnostic labs. Benefit amounts from $500 to $10,000 inpatient and $500 to $2,500 outpatient, with guarantee issue, no pre-existing condition exclusions, and first-dollar coverage.
• Dental & Vision Insurance

Quantifiable outcome

• Save up to 85% off on generic or brand retail prescription prices through Rx Valet
• +1 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• U.S. Retirement & Benefits PartnerscoreOthersParent company and powered-by partner. Chimienti & Associates is operated under the U.S. Retirement & Benefits Partners umbrella. The parent company is one of the nation's largest independent employee benefits firms serving educational, governmental, private and non-profit employers.
• U.S. Employee Benefits Services Group (USEBSG)coreOthersParent company affiliation. Chimienti & Associates is a USEBSG company, which is one of the nation's largest independent employee benefits firms serving educational, governmental, private and non-profit employers.
• National Benefit PartnerscoreStrategic or Co-development PartnerNational wholesaler partner offering unique benefits programs through National Benefit Partners with exceptional underwriting concessions and competitive compensation packages for brokers. Programs include Eb in a Box and Benefits That Benefit Children.
• Select A BenefitminorGTM or Marketing PartnerReferral and enrollment partner for individual insurance products. Chimienti directs individual clients to the Select A Benefit website for detailed information about offerings including life insurance, dental, and prescription plans with easy enrollment.
• Rx ValetcoreTechnology or IntegrationComplete pharmacy solution for low cost prescription medications and diabetic testing supplies. Provides up to 85% savings off retail prices, home delivery or pickup at over 60,000 pharmacies nationwide, mobile application, and free medication reminders.
• Third Party Administrators (TPAs)minorImplementation/ SI/ Consulting PartnerPartnership with various Third Party Administrators with proven track records for service. These partnerships allow the agency to offer discounted administration fees for Flex Plan Set Up when including Voluntary Benefit Plans.
• Insurance Carriers (AIG, Aflac, Ameritas, Allstate, Assurant, Assurity, Cigna, Colonial, Chubb, Fidelity Life, Guardian, Humana, Lincoln, MetLife, Mutual of Omaha, Pan America, Reliance Standard, Sun Life Financial, Symetra, The Hartford, The Standard, Transamerica, Trustmark, United American Insurance Company, Unum, Voya)coreChannel Partner/ Reseller/ DistributorNetwork of over 30 top-rated insurance carriers providing voluntary employee benefits products including accident, critical illness, dental, vision, hospital indemnity, life, medical gap, pharmacy, short/long term disability, and telemedicine.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh & McLennan Agency (MMA): Middle-market subsidiary of Marsh McLennan providing insurance brokerage and employee benefits consulting. Comparable to Chimienti in serving mid-market employers with voluntary and group benefit solutions, but with corporate-level resources and national reach.
• Alliant Insurance Services: Large U.S. insurance brokerage and employee benefits distributor offering voluntary and group benefits across multiple carriers. Comparable to Chimienti as an MGA/benefits intermediary, though operating at far greater national scale with corporate and public-sector clients.
• HUB International: Large North American insurance brokerage with deep employee benefits practice serving mid-market employers. Comparable broker-of-record and MGA-adjacent model, with substantial public-sector and education segment exposure similar to Chimienti.
• Arthur J. Gallagher & Co. (Gallagher): Global insurance brokerage with a substantial U.S. employee benefits division distributing group, voluntary, and individual benefits through its own agency networks. Comparable business model and customer base to Chimienti, but at vastly larger scale and broader geographic footprint.
• Brown & Brown, Inc. National insurance brokerage with growing employee benefits and voluntary benefits distribution capabilities. Comparable distribution model to Chimienti and a frequent acquirer of MGAs and benefits agencies.
• USI Insurance Services: Mid-to-large market insurance brokerage with significant employee benefits distribution across group and voluntary products. Comparable to Chimienti in distributing benefits from multiple carriers to employer clients.
• AssuredPartners: National insurance brokerage focused on middle-market commercial and employee benefits accounts. Comparable distribution model and target market to Chimienti, with active M&A roll-up of regional MGAs.

Direct peers

• Holmes Murphy: Independent insurance brokerage specializing in employee benefits and risk management for mid-market employers, with significant public-sector and education exposure. Highly comparable to Chimienti in customer profile and benefits distribution model.
• OneDigital: National employee benefits-only brokerage and consulting firm aggregating regional benefits agencies. Closely comparable to Chimienti in benefits-only focus and mid-market employer orientation, with active roll-up of MGAs and benefits agencies.
• CBIZ Benefits & Insurance Services: Mid-market-focused benefits brokerage and administration provider with group, voluntary, and individual benefits offerings. Most directly comparable to Chimienti in serving similarly sized employers with multi-carrier voluntary benefit portfolios.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Chimienti & Associates