Garity Advantage
Garity Advantage is a privately held National Marketing Organization founded in 1970 and headquartered in Norwell, MA. It provides independent Medicare insurance agents with multi-carrier contracting, certification support, the IntegrityCONNECT platform, lead programs, and commission override economics.
- Company typePrivate
- Founded1970
- HeadquartersNorwell, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Garity Advantage does
Garity Advantage (legal name: Garity Advantage Insurance Marketing Agencies) is a privately held National Marketing Organization (NMO) founded in 1970 and headquartered in Norwell, Massachusetts. The company serves independent insurance agents and brokers who sell Medicare and ancillary health products, providing them with carrier contracting, certification support, marketing resources, lead programs, and technology tooling. Its carrier portfolio spans major national Medicare Advantage plans (UnitedHealthcare, Aetna, Humana, Anthem, Devoted Health) and regional plans (Zing Health, Neighborhood Health Plan of Rhode Island, Fenyx Health, InnovAge PACE), as well as Medicare Supplement carriers (Aetna, Cigna, Mutual of Omaha) and ancillary product carriers (Ameritas, Manhattan Life, GTL).
The technology infrastructure centers on the IntegrityCONNECT platform (delivered in partnership with Integrity), an all-in-one business growth engine offering agent dashboard, CRM, lead management, quoting and enrollment tools, exclusive Integrity member benefits, and E&O insurance discounts. Complementing this are MedicareCENTER (a virtual quote and enrollment platform with Quick Quote functionality), the Agent Dashboard (centralized contract and certification management), and the Agent Collateral Storefront (customizable marketing materials). Annual events include GAME (GarityAdvantage Medicare Expo) in Northeast and Mid-Atlantic, plus ongoing webinars, certification prep, and the Medicare Selling University training program.
The business model is commission-based: Garity contracts with multiple Medicare carriers, recruits and supports independent agents, and earns commission overrides from carriers based on agent sales volume. Agents receive full broker commissions directly (no split), while Garity retains override economics. Revenue streams include insurance commission overrides, carrier contracting services, and ancillary product placement. Distribution is exclusively B2B to licensed insurance professionals, with a vertical segmentation approach targeting independent agents and brokers as the primary customer segment.
Garity Advantage firmographics
Firmographics- Name
- Garity Advantage
- Legal name
- Garity Advantage Insurance Marketing Agencies
- Website
- https://garityadvantage.com
- Company type
- Private
- Founded year
- 1970
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Garity Advantage is a privately held National Marketing Organization founded in 1970 and headquartered in Norwell, MA. It provides independent Medicare insurance agents with multi-carrier contracting, certification support, the IntegrityCONNECT platform, lead programs, and commission override economics.
- Ownership category
- akta.pro rank
Garity Advantage industry classification
Industry- Product category
- Medicare Insurance Distribution / National Marketing Organization
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD), Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO) (HLAEADAE)
Keywords
Where Garity Advantage is headquartered
LocationHeadquarters
- HQ city
- Norwell
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Garity Advantage business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Commission Revenue: Garity Advantage generates revenue through commissions from insurance sales facilitated through its network of contracted agents. The company passes through full broker commissions directly to agents - 'You get the whole pie, not just a piece of it.' Garity earns commission overrides from carriers based on agent sales volume.
- Carrier Contracting Services: As an NMO, Garity contracts with multiple Medicare carriers and provides contracting services for agents, earning commission overrides and volume-based compensation from carrier partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Agent Commission Structure - CMS Maximum Compensation |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Garity Advantage product offering
Product offeringCore offering
Garity Advantage is a National Marketing Organization (NMO) that contracts independent insurance agents with multiple Medicare carriers (Medicare Advantage, Medicare Supplement, and Prescription Drug Plans) plus ancillary products (dental, vision, hospital indemnity, critical illness, short-term care). The company provides agents with a proprietary technology platform (IntegrityCONNECT and MedicareCENTER) for quoting, enrollment, and business management, along with training, marketing co-op funding, lead generation programs, and event-based agent engagement. Revenue is generated through commission overrides from carrier partners on agent-produced sales.
Product overview
Garity Advantage operates as a National Marketing Organization (NMO) for Medicare insurance carriers, providing agents with a comprehensive platform for Medicare product sales and business management. The core offering centers on Medicare Advantage, Medicare Supplement, and Stand Alone PDP plans distributed through multiple carrier partnerships. The technology infrastructure is anchored by MedicareCENTER, a virtual quote and enrollment platform, and IntegrityCONNECT, an all-in-one business growth engine. Agents access these platforms through a centralized Agent Dashboard. The product portfolio extends to ancillary offerings including dental/vision, hospital indemnity, cancer/critical illness, and short-term care insurance. Supporting services include structured lead programs, the MedicareEXPRESS pre-qualified meeting service, marketing collateral tools, training programs, and the annual GAME expo events. The company differentiates through unlimited co-op marketing dollars, virtual enrollment capabilities, and commission structures where brokers receive full payments directly.
Differentiator
Problem solved
Functional benefit
Brands
- IntegrityCONNECT: Technology platform for Medicare enrollment and business management
- MedicareCENTER
- MedicareEXPRESS
- GAME (Garity Advantage Medicare Expo)
- Medicare Selling University
Products and services
- Medicare Advantage Medicare Advantage plans distributed through multiple carrier partners including UnitedHealthcare, Aetna, Humana, Anthem, WellCare, Cigna HealthSpring, Fallon Health, Harvard Pilgrim Stride, and CarePartners of Connecticut; sold by contracted independent insurance agents.
- Medicare Supplement (Medigap) Medicare Supplement insurance plans that cover costs not paid by Original Medicare, distributed through carrier partners including Aetna, Cigna, GPM Life, and Mutual of Omaha via contracted independent agents.
- Stand Alone PDPs (Prescription Drug Plans) Independent prescription drug plans that work alongside Original Medicare to provide medication coverage, sold by contracted independent agents.
- Dental, Vision & Health Supplemental dental and vision coverage options offered through carrier partners such as Ameritas, with nationwide dental networks, distributed by contracted agents.
- Hospital Indemnity Supplemental insurance providing fixed cash benefits for hospital stays, emergency room visits, and ambulance services, offered through carriers including Manhattan Life and GTL.
- Cancer, Heart Attack & Stroke Coverage Supplemental critical illness insurance providing financial protection against diagnosis of cancer, heart attack, or stroke.
- Short-Term Care Short-term care insurance coverage for temporary care needs outside traditional long-term care insurance.
- IntegrityCONNECT Platform All-in-one business growth platform providing enrollment processing, exclusive Integrity benefits and savings, E&O insurance discounts, and access to carrier certification portals for contracted Medicare insurance agents.
- MedicareCENTER Virtual quote and enrollment platform enabling agents to generate Medicare quotes and process enrollments electronically, including Quick Quote functionality for rapid proposal generation.
- Lead Programs Structured lead generation programs for agents including AEP Lead Programs, Call Blitz, DSNP Lead Programs, T65 Medicare Dinners, Fast Start Lead Program, and carrier-specific lead initiatives.
- MedicareEXPRESS Pre-qualified meeting scheduling service that delivers high-intent in-person Medicare sales meetings to agents' calendars through prospect pre-qualification and automated scheduling.
- Medicare Selling University Educational training program for agents covering Medicare products, sales techniques, and certification requirements.
- Agent Collateral Storefront Customizable marketing material platform allowing agents to create flyers, rack cards, and postcards with personalized branding, and order prints at discounted rates.
- GAME (Garity Advantage Medicare Expo) Annual Medicare expo events including GAME Northeast (Foxwoods Casino, CT) and GAME Mid-Atlantic (Williamsburg, VA), offering training sessions, carrier networking, and sales strategy development for contracted agents.
Quantifiable outcome
- $611 on new Medicare Advantage cases, $306 on renewals - maximum CMS compensation rates
Companies that use Garity Advantage
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Garity Advantage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Garity Advantage partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, major, regional, emerging and minor.
- IntegritycoreIntegrity provides the IntegrityCONNECT platform - a core technology platform for agents including CRM, quoting, enrollment, and business management tools. Garity offers exclusive Integrity Benefits including discounts on car rentals (up to 35%), office supplies (up to 50%), tech products (up to 75%), and phone carrier cash back (up to $100).
- AHIP (America's Health Insurance Plans)coreAHIP provides Medicare training and certification required for agents to sell Medicare products. Garity offers agents a $50 discount on AHIP training through their dedicated link. AHIP certification opens June 22 for Plan Year 2027.
- UnitedHealthcarecoreMajor national Medicare carrier available through Garity contracting. Certifications open June 8 for 2027 plan year.
- AetnacoreMajor national Medicare carrier available through Garity contracting. Certifications open June 23 for 2027 plan year.
- HumanacoreMajor national Medicare carrier available through Garity contracting. Certifications open July 8 for 2027 plan year.
- Anthem/WellPoint (Elevance)coreMajor Medicare carrier available through Garity contracting. Certifications open June 30 for 2027 plan year.
- Devoted HealthcoreMedicare Advantage carrier available through Garity contracting. Certifications open June 23 for 2027 plan year.
- Zing HealthmajorMedicare Advantage carrier offering C-SNPs, dual-eligible plans, and non-special needs plans. Available in multiple states through GarityAdvantage.
- AmeritasmajorDental and vision insurance carrier available through Garity contracting. Offers large nationwide dental network and consumer-friendly plans.
- Neighborhood Health Plan of Rhode IslandregionalRegional carrier offering INTEGRITY for Duals plan - Rhode Island's only fully integrated plan for dual-eligible members with monthly enrollment options.
- InnovAge PACEmajorPACE (Program of All-Inclusive Care for the Elderly) provider offering home-based support services. Agents can refer clients year-round and earn full commissions.
- Fenyx HealthemergingMedicare MSA carrier offering Group MSA plans with nationwide access, tax advantages, and no network restrictions. No AHIP or SOA required.
- Simply NotedminorMarketing partner providing automated handwritten card service for client retention. Offers 10% discount for Garity agents on all orders.
- ReminderMediaminorCustom magazine service for client retention and lead generation. Provides compliance-friendly marketing materials with referral card downloads.
- MedicareEXPRESSminorLead generation partner delivering pre-qualified, high-intent in-person sales meetings. Claims 92% show-up rate and up to 51% conversion rate.
- RSSA (Retirement Social Security Advisors)minorSocial Security expertise program helping agents position themselves as experts and generate organic lead flow through retirement planning conversations.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Garity Advantage competitors and assessment
Company assessmentDirect peers
- Senior Market Sales: Senior Market Sales is a national FMO serving independent agents across Medicare, life, and ancillary lines. Comparable to Garity in products offered and agent relationship model, but with a larger national footprint.
- TMA (The Medicare Answer): TMA is a long-established Medicare FMO providing agents with carrier access, quoting tools, and support. Closely mirrors Garity's NMO model and agent-centric value proposition.
- HTA (Health & Technology Associates): HTA is a Medicare-focused FMO offering contracting, training, and technology to independent agents. It competes head-to-head with Garity for the same agent base in the Northeast/Mid-Atlantic and is a primary direct comparable.
- Ritter Insurance Marketing: Ritter is a large national FMO/NMO specializing in Medicare distribution to independent agents. It is the most direct comparable to Garity, with similar carrier-contracts-with-agents value proposition, training, and lead programs, but at meaningfully greater scale.
Others
- SelectQuote: SelectQuote is a large direct-to-consumer insurance distributor with a major Medicare vertical. While it does not operate an agent-based NMO like Garity, it is a major alternative distribution channel for the same Medicare carriers.
- Medicare.gov / CMS (regulator / official resource): The official CMS Medicare Plan Finder is the system of record that Garity agents use for plan lookups and enrollment. It is not a competitor in the distribution sense, but shapes the technology, compliance, and agent workflow that all NMOs must operate within.
Broad incumbents
- GoHealth: GoHealth operates a large Medicare-focused direct-to-consumer and telesales distribution platform. It is a broad incumbent that competes for the same end Medicare beneficiaries and the same carriers that Garity agents represent.
- Integrity Marketing Group: Integrity is a large insurance distribution and technology platform that owns the IntegrityCONNECT platform Garity uses. It also operates its own FMO/NMO distribution arms, making it both a critical vendor and a broad incumbent competitor.
- MedicareCENTER (Connecture/HealthPlanOne ecosystem): Connecture and affiliated platforms provide Medicare quoting/enrollment technology used by carriers, FMOs, and agents. Comparable to Garity's technology stack from a category and buyer perspective, though at much larger enterprise scale.
Emerging players
- Chapter (Medicare advisory): Chapter is a digital-first Medicare advisory that combines licensed advisors with proprietary technology to help beneficiaries choose plans. It is an emerging, tech-led competitor in the same Medicare distribution value chain, though it sells directly to consumers rather than to agents.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Garity Advantage social profiles
Digital presenceGarity Advantage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Garity Advantage leadership team
Management profileNumber of profiles
Profiles4 records
Garity Advantage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Garity Advantage 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 Garity Advantage
What does Garity Advantage do?
Garity Advantage is a National Marketing Organization (NMO) that contracts independent insurance agents with multiple Medicare carriers (Medicare Advantage, Medicare Supplement, and Prescription Drug Plans) plus ancillary products (dental, vision, hospital indemnity, critical illness, short-term care). The company provides agents with a proprietary technology platform (IntegrityCONNECT and MedicareCENTER) for quoting, enrollment, and business management, along with training, marketing co-op funding, lead generation programs, and event-based agent engagement. Revenue is generated through commission overrides from carrier partners on agent-produced sales.
Is Garity Advantage a public or private company?
Garity Advantage is a private company. It is classified as unknown and is currently operating.
When was Garity Advantage founded?
Garity Advantage was founded in 1970. It employs 11 to 50 people.
Where is Garity Advantage based?
Garity Advantage is headquartered in Norwell, United States, in the North America region.
How does Garity Advantage make money?
Two revenue lines are on record. Insurance Commission Revenue is the primary driver. The others are carrier Contracting Services.
Who are Garity Advantage's main competitors?
Direct peers on record are Senior Market Sales, TMA (The Medicare Answer), HTA (Health & Technology Associates) and Ritter Insurance Marketing. Others are SelectQuote and Medicare.gov / CMS (regulator / official resource). Broad incumbents are GoHealth, Integrity Marketing Group and MedicareCENTER (Connecture/HealthPlanOne ecosystem). Chapter (Medicare advisory) is listed as an emerging player.
Does Garity Advantage have an API?
No public API is recorded for Garity Advantage.
What industry is Garity Advantage in?
Garity Advantage's product category is Medicare Insurance Distribution / National Marketing Organization. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of HLAEADAD, Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO). Its NAICS code is 52421 and its SIC code is 6411.