RetireCo
RetireCo is a private insurance distribution platform serving 24,000+ independent insurance agents nationwide through an All-in-One Dashboard providing proprietary CRM, real-time quoting across 700+ carriers, and integrated communication tools across all major insurance lines.
- Company typePrivate
- Founded2000
- HeadquartersDelafield, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What RetireCo does
RetireCo is a private, US-based insurance distribution platform operating for 22 years under founder/CEO Matthew McGonigle and headquartered in Delafield, Wisconsin. The company provides independent insurance agents, captive agents seeking expanded product lines, and financial advisors with an "All-in-One Dashboard" — a cloud-based platform integrating a proprietary CRM, real-time quoting across 700+ carriers and 17,000+ products, multi-channel communication tools (email, text, social), commission tracking, and lead management. The underlying technology backbone is supplied by SYNC Insurance Technologies, a related entity providing compliance support, contract negotiation, and insurtech infrastructure. RetireCo operates nationwide across all 50 states with institutional support offices in California, Connecticut, Pennsylvania, New York, Texas, Utah, and Wisconsin.
The platform is offered to agents free of charge with no contracting requirements or production minimums, and RetireCo monetizes primarily through transaction-based commissions on Life & Health and Property & Casualty insurance sales placed through its carrier network. L&H commissions are paid daily or weekly via ACH after policy issuance, with advances of 50-75% available for 6-18 months; P&C flows through digital wholesaler InsureZone. Secondary revenue streams include sub-agent management fees ($9.99/month per sub-agent), lead subscriptions, direct mail and marketing services, and referral fees from affiliated entities — RetireCo Estate Planning, LLC (Living Trusts, $375+ per referral) and ID360, LLC (Identity Theft Protection, recurring commissions). An Elite commission tier (triggered at $50,001 L&H earned commissions) offers 75% of gross commission and other production-based perks, creating a tiered incentive structure across the 24,000+ agents on the dashboard.
RetireCo's stated customer segments span independent insurance agents (primary), captive agents, financial advisors, individual consumers, and small-to-medium business owners. The company has extended its offering into adjacent non-insurance verticals (estate planning, identity theft, cyber security, healthshare plans) and provides agent-lifecycle support including pre-licensing and continuing education via WebCE. Revenue is not publicly disclosed, the company is privately held with no disclosed venture funding, and growth has been characterized by gradual platform monetization expansion rather than large-scale capital deployment.
RetireCo firmographics
Firmographics- Name
- RetireCo
- Legal name
- RetireCo
- Website
- https://retireco.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- RetireCo is a private insurance distribution platform serving 24,000+ independent insurance agents nationwide through an All-in-One Dashboard providing proprietary CRM, real-time quoting across 700+ carriers, and integrated communication tools across all major insurance lines.
- Ownership category
- akta.pro rank
RetireCo industry classification
Industry- Product category
- Insurance Distribution Platform
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
- akta.pro secondary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
Keywords
Where RetireCo is headquartered
LocationHeadquarters
- HQ city
- Delafield
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
RetireCo business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commissions (L&H): RetireCo earns commissions from insurance carriers on Life & Health product sales placed through its platform. Agents earn street-level or comparable agent commissions. L&H commissions are paid daily or weekly via ACH after policy issuance. Commission advances of 50-75% for 6-18 months are available on many products.
- Insurance Commissions (P&C): Property & Casualty commissions paid via InsureZone digital wholesaler. P&C commissions typically paid 30-45 days after policy effective date. Agents receive deposits monthly via ACH or quarterly via check.
- Sub-Agent Management Fee: Monthly fee of $9.99 charged for each sub-agent added to an agent's hierarchy within the platform.
- Referral Fees - Living Trust: One-time referral fee of no less than $375 for all Living Trusts referred to RetireCo Estate Planning, LLC with completed worksheet and full customer payment.
- Referral Fees - Identity Theft: Ongoing commissions ranging from $1.00-$4.00/month to $10.00-$40.00/year based on package and subscription term for Identity Theft Protection products through ID360 partnership.
- Marketing Services: Optional premium services including bulk email, bulk text messaging, branding solutions, and custom marketing materials available for one-time payment or subscription.
- Lead Subscriptions: Monthly lead subscription services providing ongoing prospect lists in agent's area, with leads integrating with marketing and sales systems.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Commission Tier - Street Level |
| Transaction based/ take rate | Pay-as-you-go | Elite Commission Tier - Premium Level |
| Subscription | Monthly | Sub-Agent Program |
| Subscription | Monthly | Lead Subscriptions |
| Unit Pricing | Pay-as-you-go | Direct Mail Campaigns |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels11 records
RetireCo product offering
Product offeringCore offering
RetireCo operates a cloud-based insurance distribution platform that provides independent insurance agents, captive agents, and financial advisors with an All-in-One Dashboard integrating proprietary CRM, real-time multi-carrier quoting across 700+ insurance carriers and 17,000+ products, case management, commission tracking, and multi-channel communication tools. The company earns revenue primarily from insurance commissions on Life & Health and Property & Casualty product placements, supplemented by subscription fees for sub-agent management, lead subscriptions, and marketing services.
Product overview
RetireCo is a platform-plus-services company serving the insurance industry through its unified All-in-One Dashboard that integrates a Proprietary CRM, Online Quoting & Sales, Dynamic Communication Tools, Client Facing Portal, and Benefits Builder. The core platform enables insurance agents to manage client relationships, access over 700 carrier contracts, quote across all insurance lines, and automate communications. The portfolio includes insurance product categories spanning Life, Health, Retirement, Accident, Medicare, Home & Auto, Estate Planning, Funeral, Business, Disability, and Non-Insurance offerings—all distributed through carrier partnerships rather than direct underwriting. Non-insurance services include Living Trust preparation referrals and Identity Theft Protection through strategic partnerships. The company also operates the SYNC Insurance Technologies platform providing compliance support, contract negotiation, and insurtech solutions, and markets a Lead Flow System for lead generation and management.
Differentiator
Problem solved
Functional benefit
Products and services
- All-in-One Dashboard Comprehensive agent dashboard integrating CRM, real-time carrier quoting across 700+ carriers, case management, commission tracking, multi-channel communication tools, and client management into a single platform for licensed insurance professionals. Free to agents with no contracting, production requirements, or credit card required.
- SYNC Insurance Technologies Platform Comprehensive IT solutions platform providing compliance support, contract negotiation, innovative marketing, insurtech and fintech solutions, and sales and distribution strategies for the insurance and financial services industries. Primary technology infrastructure arm related to RetireCo.
- Lead Flow System Lead generation and management solution integrating lead capture, communication automation through email, text, e-newsletters, and social media, with contact management to track every touchpoint. Agents can subscribe to monthly lead services providing ongoing prospect lists in their area that integrate with marketing and sales systems.
- Benefits Builder Platform Proprietary platform enabling agents to provide local businesses with comprehensive benefits websites and custom collateral materials for estate, insurance, and retirement needs, supporting employee benefits sales.
- Insurance Distribution Services Multi-line insurance product distribution covering Term Life, Universal Life, Whole Life, Final Expense, Major Medical, Short Term Medical, Hospital Plans, Annuities, Executive Bonus Plans, Retirement Planning, Accident, Cancer, Dental, Vision, Medicare Advantage, Medicare Supplements, Senior Group, Personal Homeowners, Auto, Renters, Boat, RV, Commercial, Cyber, Workman's Comp, E&O, Surplus Lines, Disability, Long Term Care, Critical Illness, and Bank Owned/Corporate Owned Life Insurance Plans, offered through carrier partnerships across all 50 states.
- Living Trust Services Referral services for Living Trust preparation offered through RetireCo Estate Planning, LLC, with referral fees of no less than $375.00 per completed referral with completed worksheet and full customer payment.
- Identity Theft Protection Services Identity theft protection packages for individuals and couples offered through partnership with ID360, LLC, with commissions ranging from $1.00-$4.00/month to $10.00-$40.00/year based on package and subscription term.
Quantifiable outcome
- Commission advances of 50-75% available for 6-18 months on qualifying L&H products
- +4 more outcomes
Companies that use RetireCo
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
RetireCo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature7 records
RetireCo partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- SYNC Insurance TechnologiescorePredecessor company providing IT solutions for insurance and financial services industries since 2009. SYNC provides compliance support, contract negotiation, innovative marketing, insurtech and fintech solutions, and sales and distribution strategies. Primary technology infrastructure partner.
- WebCEcorePartnership with WebCE to deliver nationwide pre-licensing and continuing education online directly through agent dashboard. Most courses are deeply discounted with course advisors assigned to each agent to assist with the process.
- ID360, LLCsupportingPartnership for Identity Theft Protection products providing full commission schedule for individual and couple packages. Commissions range from $1.00-$4.00/month to $10.00-$40.00/year based on package and subscription term.
- InsureZonecoreDigital wholesaler partner for Property & Casualty commissions. P&C commissions paid directly to agents from InsureZone with ACH direct deposits monthly or quarterly checks for non-enrolled agents.
- RetireCo Estate Planning, LLCsupportingRelated entity offering Living Trust preparation services. Agents earn one-time referral fee of no less than $375.00 for all Living Trusts referred with completed worksheet and full customer payment.
- RedtailsupportingCRM integration partner. RetireCo supports limited integrations between its proprietary platform and Redtail for agents who prefer to use external CRM systems.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
RetireCo competitors and assessment
Company assessmentDirect peers
- Senior Market Sales: Leading FMO/IMO focused on the senior market (Medicare, life, annuities, retirement) with carrier contracting and agent support — same target segment and agent-distribution model as RetireCo.
- Insurance Pipeline: National insurance marketing organization offering agents consolidated carrier access, lead programs, and back-office support — directly comparable IMO model serving independent agents.
- HealthPlanOne: Online health and Medicare insurance distributor that recruits and supports insurance agents/contractors — directly comparable model in the Medicare/health distribution space RetireCo serves.
- Ritter Insurance Marketing: One of the largest independent marketing organizations (IMOs) in the U.S., serving independent agents with multi-carrier access across Medicare, life, and annuity products — directly comparable business model to RetireCo's L&H distribution platform.
Broad incumbents
- Integrity Marketing Group: One of the largest independent insurance distributors in the U.S., serving agents and agencies with carrier access and technology at much greater scale — broad incumbent in the same distribution category.
- EZLynx (Applied Systems): Widely-used insurance CRM and rater platform for independent agents across both P&C and L&H; comparable as it equips independent agencies with quoting and management tools similar to RetireCo's dashboard.
- SelectQuote: Public direct-to-consumer insurance distributor focused heavily on life and senior market products — overlaps RetireCo in target demographic and product set, though it is consumer-facing rather than agent-facing.
Emerging players
- Policygenius: Digital insurance platform that focuses on life and disability distribution with a tech-first approach — competes for the same retail customers and represents the digital-disruption narrative around agent distribution.
- AgentCubed: Insurance CRM and engagement platform for agents and agencies — overlapping technology layer with RetireCo's proprietary CRM, with comparable features for policy management and lead nurturing.
Regional players
- GoHealth: Medicare-focused insurance distributor — overlapping focus on the senior segment served by RetireCo, but operates a different (telephonic, lead-driven) distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
RetireCo social profiles
Digital presenceRetireCo financial estimates
Financial estimateRevenue estimate
Valuation estimate
RetireCo leadership team
Management profileNumber of profiles
Profiles1 record
RetireCo subsidiaries and ownership
Company hierarchySubsidiaries3 records
RetireCo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RetireCo 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 RetireCo
What does RetireCo do?
RetireCo operates a cloud-based insurance distribution platform that provides independent insurance agents, captive agents, and financial advisors with an All-in-One Dashboard integrating proprietary CRM, real-time multi-carrier quoting across 700+ insurance carriers and 17,000+ products, case management, commission tracking, and multi-channel communication tools. The company earns revenue primarily from insurance commissions on Life & Health and Property & Casualty product placements, supplemented by subscription fees for sub-agent management, lead subscriptions, and marketing services.
Is RetireCo a public or private company?
RetireCo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RetireCo founded?
RetireCo was founded in 2000. It employs 101 to 250 people.
Where is RetireCo based?
RetireCo is headquartered in Delafield, United States, in the North America region.
How does RetireCo make money?
Seven revenue lines are on record. Insurance Commissions (L&H) is the primary driver. The others are insurance Commissions (P&C), sub-Agent Management Fee, referral Fees - Living Trust, referral Fees - Identity Theft, marketing Services and lead Subscriptions.
Who are RetireCo's main competitors?
Direct peers on record are Senior Market Sales, Insurance Pipeline, HealthPlanOne and Ritter Insurance Marketing. Broad incumbents are Integrity Marketing Group, EZLynx (Applied Systems) and SelectQuote. Emerging players are Policygenius and AgentCubed. GoHealth is listed as a regional player.
Does RetireCo have an API?
No public API is recorded for RetireCo.
What industry is RetireCo in?
RetireCo's product category is Insurance Distribution Platform. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAEABAF, Retirement Plan Participant Advice & Managed Accounts. Its NAICS code is 52421 and its SIC code is 6411.