The Marcus Agency

What The Marcus Agency does

The Marcus Agency is a national life and health insurance brokerage general agency founded in 1960 and operating as a division of One80 Intermediaries, a private wholesale brokerage and program manager. The agency specializes in impaired risk life insurance for applicants with medical concerns, high net worth estate planning, business continuity planning (key person insurance, buy-sell agreements, succession), and long-term care solutions. Its primary customers are intermediary channels — insurance agents, brokers, property and casualty agencies, financial planners, benefit planners, and accountants — rather than end consumers.

The agency's core technology stack comprises three proprietary platforms: LifeMark Partners (a system for shopping impaired risk cases across multiple carriers), VIVE (a unified online platform for multi-carrier quoting and submission), and IntelliSheets (a comparison tool for product, pricing, and underwriting criteria). These are supplemented by two assisted sales programs, AppSnap Secure (in-house staff complete the application while the agent retains 93% of commission) and AppSnap Total (in-house staff run the full sales process with the agent earning 50% of commission). Underwriting is supported by an in-house Registered Nurse, in-house underwriters, and an affiliated medical doctor for complex case review, with a state-of-the-art business processing center offering one-day application turnaround.

Revenue is generated through wholesale brokerage commissions earned from insurance carriers (transaction-fee model) on placed life and health premium, with 13+ life carriers and 7+ long-term care carriers in the partner network. Distribution is exclusively B2B through intermediary partners; the agency does not sell direct-to-consumer. Operations are run from offices in Sudbury, Massachusetts and Fort Washington, Pennsylvania, with a team of 11-50 employees and the broader One80 Intermediaries footprint extending into Canada.

Name

The Marcus Agency

Legal name

The Marcus Agency

Website

https://themarcusagency.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

The Marcus Agency is a national life and health insurance wholesale brokerage general agency (division of One80 Intermediaries) specializing in impaired risk life insurance, estate planning, and long-term care, serving insurance agents, brokers, and financial intermediaries across the US.

Ownership category

akta.pro rank

Product category

Wholesale Life and Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Wholesale insurance brokerage
• Impaired risk underwriting
• Long term care insurance
• Life insurance distribution
• Multi-carrier platform

Headquarters

HQ city

Sudbury

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Brokerage Commissions: Acts as a wholesale brokerage general agency earning commissions from insurance carriers for placing life and health insurance business. Commission structure includes agent commission sharing programs (AppSnap Secure gives agents 93% commission, AppSnap Total gives agents 50% commission)

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

The Marcus Agency is a wholesale life and health insurance brokerage general agency that places coverage from multiple carriers on behalf of insurance agents, brokers, and financial professionals. Its offerings center on impaired risk life insurance, estate planning, business continuity planning, and long term care products, supported by in-house underwriting (including a Registered Nurse and consulting medical doctor) and proprietary technology platforms for multi-carrier shopping and assisted sales.

Product overview

The Marcus Agency, a division of One80 Intermediaries, is a national life and health insurance brokerage general agency specializing in impaired risk life insurance. The agency operates a unified platform comprising carrier connectivity tools (VIVE for multi-carrier access, IntelliSheets for carrier comparison) and assisted sales programs (AppSnap Secure and AppSnap Total) that help insurance agents place coverage for clients with medical concerns, estate planning needs, and business continuity planning. The core offering combines access to over seven leading long term care carriers with in-house underwriting expertise and a state-of-the-art business processing center.

Differentiator

Problem solved

Functional benefit

Brands

• VIVE: Online system for multiple carriers providing insurance quoting and processing capabilities.
• IntelliSheets
• AppSnap Secure
• AppSnap Total

Products and services

• VIVE Online platform that connects agents with multiple insurance carriers, enabling streamlined quoting and submission through a single system for life and health insurance products. Intended for insurance agents, brokers, and financial professionals placing business through The Marcus Agency.
• IntelliSheets Comparison tool that enables agents to compare product, pricing, and underwriting detail across multiple insurance carriers, providing comprehensive carrier analysis rather than simple price comparison. Used by agents and brokers placing life and health insurance.
• AppSnap Secure Assisted sales program where The Marcus Agency completes the life insurance application on behalf of an agent who has already sold the coverage, working with the agency's full line of carriers. Agents retain 93% of their normal commission.
• AppSnap Total Comprehensive sales assistance program in which The Marcus Agency handles the entire sales process from start to finish, including working directly with clients to determine needs, selecting appropriate carriers and plans, and completing applications. Agents co-sign and earn 50% of normal commission.
• Impaired Risk Life Insurance Brokerage Wholesale brokerage of life insurance products for applicants with medical conditions, health impairments, or pre-existing conditions who may be declined or heavily rated by standard carriers. Includes access to multiple aggressive impaired risk carriers through the LifeMark Partners system, with in-house Registered Nurse underwriting and consulting medical doctor review. For insurance agents, brokers, and financial professionals placing cases for end clients.
• Estate Planning Insurance Solutions Brokerage of life insurance products (including survivorship life, universal life, indexed universal life, and whole life) for high net worth estate planning, wealth transfer, and legacy planning. Distributed to financial planners, accountants, and benefit planners serving affluent individuals and families.
• Business Continuity Planning Insurance Brokerage of key person insurance, buy-sell agreements, and business continuation insurance products for business owners seeking protection against loss of key personnel due to death or disability. Distributed through financial planners, accountants, and benefit planners serving business clients.
• Long Term Care Insurance Brokerage Wholesale brokerage of long term care insurance, linked benefits, and LTC solutions for retirement and asset protection planning. Distributed through agents, benefit planners, and financial planners; leverages access to over seven leading LTC carriers.

Quantifiable outcome

• 93% commission retention for agents using AppSnap Secure program
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• One80 IntermediariescoreStrategic or Co-development Partner · 1 January 1960Parent company and division relationship. The Marcus Agency is a division of One80 Intermediaries, a highly focused wholesale brokerage and program manager providing specialized insurance solutions throughout the US and Canada. One80 provides The Marcus Agency with access to carrier relationships, technology platforms, and operational infrastructure.
• LIBRA Insurance PartnersminorChannel Partner/ Reseller/ DistributorThe Marcus Agency is a member of LIBRA Insurance Partners, an insurance partner network providing access to additional market relationships and distribution opportunities.
• LifeMark PartnerscoreTechnology or IntegrationProprietary system partnership enabling The Marcus Agency to shop impaired risk cases online with multiple aggressive carriers in a quick, efficient, and secure manner. This system gives access to shop multiple markets.
• Insurance Carriers (American General, Banner Life, John Hancock, Lincoln Financial, Mutual of Omaha, North American, Pacific Life, Principal, Protective, Prudential, SBLI, Symetra, William Penn)coreChannel Partner/ Reseller/ DistributorNetwork of insurance carriers providing products through The Marcus Agency's wholesale brokerage platform. Carriers include major life insurance companies offering term, universal life, indexed UL, survivorship life, whole life, annuities, and long term care products.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Highland Capital Brokerage: National wholesale life insurance brokerage general agency serving independent agents with multi-carrier impaired-risk and standard placement. Closely comparable to Marcus in product mix, B2B distribution model, and carrier panel approach.
• Ash Brokerage: Wholesale life insurance brokerage serving financial professionals with term, permanent, and impaired-risk products, plus proprietary underwriting and case-design tools. Highly comparable in target customer (agents/financial planners) and product breadth.
• Crump Life Insurance Services: One of the largest US life insurance wholesalers, offering term, permanent, and impaired-risk placements through a national agent distribution network. Directly comparable wholesale model with similar carrier relationships.
• Legacy Marketing Group: Wholesale life insurance distributor focused on indexed universal life, annuities, and estate planning solutions marketed through independent agents. Comparable in distribution model and estate-planning product focus.
• CreativeOne: Wholesale life insurance and annuity distributor serving independent agents with multiple carrier relationships and practice-management support. Comparable B2B life-and-annuity wholesale brokerage with similar commission structures.
• DDI Marketing: Wholesale brokerage focused on impaired-risk life insurance and final-expense placements, serving agents needing access to non-standard carriers. Directly comparable niche overlap with Marcus's impaired-risk specialty.
• M Financial Group: Member-owned life insurance distribution network providing high-net-worth and corporate life, disability, and LTC solutions through a vetted advisor channel. Comparable affluent-segment life and LTC focus.
• AgencyONE: Wholesale life insurance brokerage with multi-carrier life and annuity placement, back-office support, and assisted-sales services to independent agents. Comparable agent-servicing model and carrier breadth.

Broad incumbents

• One80 Intermediaries: Marcus's parent company and a large multi-line wholesale brokerage and program manager offering life, casualty, property, cyber, marine, and specialty lines. Broader incumbent operating in the same wholesale distribution space across multiple product lines.

Emerging players

• SelectQuote: Direct-to-consumer and agent-assisted life insurance distributor using technology-driven underwriting and multi-carrier comparison. Comparable multi-carrier comparison approach but with a consumer-facing go-to-market rather than Marcus's wholesale-only model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/themarcusagency

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 The Marcus Agency