Paul N Cross and Associates

What Paul N Cross and Associates does

Paul N. Cross and Associates, Inc. is a privately held, independent insurance brokerage and benefits advisory firm headquartered in Valley Park, Missouri, serving the St. Louis metropolitan area. Founded circa 1999 by Paul N. Cross, the firm specializes in three core service lines: Company Group Benefits (brokerage of medical, dental, vision, disability, life, retirement, and critical care plans for employers), Medicare Supplements (enrollment assistance for Medicare Advantage, Medigap, Prescription Drug Plans, and dental/vision coverage for individuals), and Individual & Marketplace Plans (marketplace, individual, and short-term coverage). Additional advisory services include Long-Term Care Insurance, Business Planning Analysis, and Executive Benefits consulting. The firm is a member of the Blue Chip Consortium, which provides access to preferred rates and service levels with top national insurance carriers, and has been recognized by the St. Louis Business Journal as a top-10 employee benefit planning firm in the region.

The firm operates a consultative, sales-led go-to-market model built on free initial consultations and educational content marketing (including a Medicare Facts Brochure and wellness brochure). Revenue is generated primarily through commissions from insurance carriers on policies placed and renewed across group, Medicare, and individual product lines — a transaction-fee model with no disclosed subscription, SaaS, or fee-for-service components. The technology stack is limited to third-party benefit administration platforms (Ease, Employee Navigator) and carrier business portals, with no proprietary software products, APIs, or technology platforms developed in-house.

The firm is family-owned and founder-led, with Paul N. Cross as President, Tim Cross as Vice President overseeing operations and IT, and Tina France as Account Manager. With 11-50 employees and a single office location, it operates as a small regional broker targeting both individual consumers and mid-market employer groups. No external institutional investors, funding rounds, acquisitions, or expansion beyond the St. Louis metro are evident in the available data.

Name

Paul N Cross and Associates

Legal name

Paul N. Cross and Associates, Inc.

Website

https://pncassociates.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Paul N. Cross and Associates is a privately held, family-owned insurance brokerage in Valley Park, Missouri, providing group benefits, Medicare supplements, and individual marketplace plans to employers and consumers in the St. Louis metropolitan area.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAC

Employee Benefits Brokerage & Consulting

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYHLADALAI

Benefits, Insurance & Long-Term Care Planning Navigation (Medicare/Medicaid/LTC)

Healthcare & Life Sciences/Elder Care & Long-Term Care/Senior Care Coordination & Case Management (Geriatric Care Management)

SECONDARYFSAIAJAB

Hybrid Life + LTC (Linked-Benefit) Insurance

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

Keywords

• Employee benefits brokerage
• Medicare supplement plans
• Group insurance consulting
• Long-term care insurance
• Individual marketplace plans

Headquarters

HQ city

St Louis

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

Revenue model

1. Insurance Commission Revenue: The company generates revenue through commissions from insurance carriers for placing group benefit plans, Medicare supplements, individual/marketplace plans, and long-term care insurance policies. As an insurance broker/agent, they earn commissions on each policy sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Paul N. Cross and Associates is an insurance brokerage and benefits consulting firm that advises individuals and employers on insurance coverage and places policies through a network of top national carriers. The firm consults on group benefits (medical, dental, vision, disability, life, retirement, critical care) for employers, Medicare Advantage/Medigap/PDP plans for individuals, marketplace and individual health plans, long-term care insurance, and executive benefits planning.

Product overview

Paul N. Cross and Associates is an insurance benefits advisory firm, not a technology product company. The firm offers a portfolio of consulting and brokerage services organized around three core offerings: Company Group Benefits (group medical, dental, vision, disability, life, retirement, and critical care plans for employers), Medicare Supplements (Medicare Advantage, Medigap, PDP, dental and vision enrollment for individuals), and Individual & Marketplace Plans (marketplace, individual, and short-term coverage enrollment). Additional services include Long-Term Care Insurance, Business Planning Analysis, and Executive Benefits consulting. The firm operates as a broker partner with top national insurance carriers and provides free educational resources including a Medicare Facts Brochure and Living Your Life Well Brochure. All offerings are service-based advisory and enrollment support, with no standalone software products, platforms, or APIs.

Differentiator

Problem solved

Functional benefit

Products and services

• Company Group Benefits

Named customers2 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

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Blue Chip ConsortiumcoreStrategic or Co-development PartnerPaul N. Cross & Associates is a member of the elite Blue Chip Consortium, which provides access to excellent rates and service levels with top insurance carriers. This partnership positions them among the top 10 employee benefit planning firms in St. Louis.
• Top Insurance CarrierscoreChannel Partner/ Reseller/ DistributorThe company partners with top insurance carriers in the nation offering Medical, Dental, Vision, Long-term Disability, Short-term disability, Life, Critical Illness, Hospital Indemnity, Accident/AD&D, and Retirement plans. These carrier partnerships enable them to provide comprehensive coverage options.

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Market position

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Paul N Cross and Associates