SEBO Group

What SEBO Group does

SEBO Group operates as Lifetime Financial Growth Benefits (LFG Benefits), an independent insurance brokerage founded in 2004 and headquartered at 8425 Pulsar Pl, Suite 410, Columbus, Ohio. The firm is licensed with 20+ insurance carriers and represents 10 organizations offering over 82 Medicare products, distributing individual health insurance, group/employee benefits, and Medicare plans (Original Medicare, Medigap, Medicare Advantage, Part D, and ancillary dental/vision/hearing) through licensed agents and online self-service tools.

The technology stack combines a cloud-based online enrollment portal, an AI-powered benefits ChatBot for 24/7 customer inquiries, and a ZyWave-powered HR Client Portal that allows employer clients to manage benefits, enrollment, and HR documents. Distribution is hybrid: licensed independent agents handle consultative sales for employee benefits and Medicare, while partner platforms (HealthSherpa, Anthem agent site, Medical Mutual) and online quote forms drive individual and Medicare lead capture.

The business model is commission-based; the firm earns carrier commissions on insurance placements and Medicare enrollments, with services offered at no direct cost to clients. Customer segments are horizontally diversified across employers (ranging from small businesses to large corporations), Medicare beneficiaries aged 65+, and individual insurance seekers. The firm monetizes primarily through affiliate/referral commissions from carriers rather than disclosed subscription or fee-for-service pricing, and it does not publicly disclose pricing or revenue figures.

Name

SEBO Group

Legal name

Lifetime Financial Growth Benefits

Website

https://sebohio.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

SEBO Group operates Lifetime Financial Growth Benefits (LFG Benefits), an independent insurance brokerage in Columbus, Ohio, offering health, employee benefits, and Medicare plans from 20+ carriers to employers, seniors, and individuals through licensed agents, ZyWave-powered portals, and an AI chatbot.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Insurance brokerage services
• Employee benefits solutions
• Medicare plan assistance
• Individual health insurance
• Group benefits advisory

Headquarters

HQ city

Columbus

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 Brokerage Commissions: As independent insurance agents, the company earns commissions from insurance carriers for placing business. They are licensed with 20+ insurance companies and represent 10 organizations offering Medicare products.
2. Medicare Plan Sales: Medicare plan enrollment services provided at no cost to clients, with commissions paid by insurance carriers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

SEBO Group, operating as Lifetime Financial Growth Benefits (LFG Benefits), is an independent insurance brokerage that places group and individual health insurance, employee benefits, and Medicare plans on behalf of clients. The firm is licensed with 20+ insurance carriers and represents 10 organizations offering 82 Medicare products, earning commissions from carriers while providing consultation, enrollment, and ongoing benefits management to employers, individuals, and seniors.

Product overview

Lifetime Financial Growth Benefits offers a comprehensive suite of insurance and benefits services through a combination of core products and digital tools. The core offerings include health insurance plans (individual and group), employee benefits solutions, and Medicare coverage assistance, all supported by an online enrollment portal and AI-powered chatbot for client support.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Solutions Customized employee benefits packages including health insurance, retirement plans, and wellness programs, with strategy development, implementation, and ongoing management for small businesses to large corporations.
• Medicare Coverage Assistance Guidance and enrollment services for Medicare beneficiaries covering Original Medicare, Medigap/Supplemental Plans, Medicare Advantage, Part D prescriptions, and dental/vision/hearing options, with annual enrollment consultations provided at no cost to clients.
• Individual Health Insurance Plans Comprehensive individual health insurance coverage offerings with access to a vast network of providers, hospitals, and specialists, tailored to individuals seeking affordable coverage within their budget.
• HR Client Portal ZyWave-powered portal enabling existing employer clients to manage employee benefits enrollment, access HR tools, and retrieve benefits documents online.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• HealthSherpaminorChannel Partner/ Reseller/ DistributorOnline insurance marketplace where the company offers quotes and enrollment services. Links provided on LFG Benefits website for individual and Medicare plan quotes.
• AnthemminorChannel Partner/ Reseller/ DistributorAnthem agent site provides access to Anthem insurance products. LFG Benefits agents are licensed to sell Anthem plans.
• ZyWavecoreTechnology or IntegrationTechnology platform powering the company's HR Client Portal. Provides benefits management and administration tools for client access.
• Medical Mutual (MedMutual)minorChannel Partner/ Reseller/ DistributorAgent website for Medical Mutual insurance products, linked on LFG Benefits website.
• 20+ Insurance CompaniescoreChannel Partner/ Reseller/ DistributorThe company is independently licensed with 20+ insurance companies, offering non-biased multiple options to clients across employee benefits and Medicare products.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• USI Insurance Services: USI is a top-10 U.S. insurance brokerage with a strong employee benefits and personal lines practice, offering the same multi-carrier advisory model that anchors SEBO's value proposition.
• Acrisure: Acrisure is a large, fast-growing insurance brokerage with multi-carrier capabilities across commercial, personal, and benefits lines — overlapping SEBO in brokerage fundamentals while operating at significantly larger scale.
• HUB International: HUB International is a leading insurance brokerage with deep employee benefits and personal lines practices across North America — directly comparable in multi-carrier brokerage model and employer benefits focus.
• Alliant Insurance Services: Alliant is a specialty insurance brokerage with significant employee benefits and Medicare-adjacent offerings, comparable to SEBO in its mix of group benefits and individual/senior market advisory.
• OneDigital: OneDigital is one of the largest independent employee benefits-focused brokerages in the U.S., serving SMB and mid-market employers with health, retirement, and benefits administration — directly overlapping SEBO's core employer benefits motion.
• NFP: NFP is a large independent insurance brokerage and benefits consultancy with broad carrier access; comparable to SEBO in offering non-biased multi-carrier benefits, property/casualty, and individual solutions to mid-market clients.
• Brown & Brown: Brown & Brown is a publicly traded insurance brokerage with significant employee benefits and personal lines exposure, operating under a similar multi-carrier, agency-driven distribution model.
• CBIZ Benefits & Insurance Services: CBIZ's Benefits & Insurance segment provides group benefits brokerage and consulting to SMB and mid-market employers — directly comparable in target customer and service mix.

Emerging players

• SelectQuote: SelectQuote is a direct-to-consumer insurance distribution platform concentrated in senior market/Medicare, life, and auto — an emerging digital channel that competes with SEBO's Medicare advisory book but through a tech-led rather than agent-led model.

Broad incumbents

• Arthur J. Gallagher & Co. Gallagher is one of the world's largest insurance brokerages with deep employer benefits and risk management practices — a broad incumbent whose SMB and mid-market benefits division directly competes with SEBO.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/TheSEBOGroup

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 SEBO Group