Carolina Senior Marketing

What Carolina Senior Marketing does

Carolina Senior Marketing is a privately held, full-service insurance Field Marketing Organization (FMO) founded in 2008 by Dustin Alipour and headquartered in Morrisville, North Carolina. The company serves independent insurance agents across 38 states by providing centralized access to more than 110 insurance carriers, enabling agents to offer Medicare Advantage, Medicare Supplement, Prescription Drug Plans, dental/vision, life insurance, annuities, ACA health insurance, final expense, critical illness, and short-term care products without individually contracting with each carrier.

The company's core technology is MedicareCENTER, an online platform that provides 24/7 quoting, enrollment, client management, and training tools across Medicare, ACA, Final Expense, and Hospital Indemnity products. Supporting this platform are in-house service modules covering custom marketing production (logos, print collateral, websites, email templates, social media calendars), carrier contracting and licensing support across 90+ carriers and 54 jurisdictions, and a separate Under-65 ACA Broker Referral Program paying first-year commissions to referring agents on a per-member-per-month basis.

Carolina Senior Marketing earns revenue primarily through commission overrides from insurance carriers on policies sold through its agent network, supplemented by referral-based revenue from the ACA Broker Referral Program and override economics from agent downline structures. The company is positioned as a boutique FMO competing on personalized service and an 'open release policy' that lets agents retain 100% of their book of business, differentiating from captive insurance organizations. As of available data the firm serves approximately 500 agencies and reports over 100,000 cumulative lives insured through its agent network.

Name

Carolina Senior Marketing

Legal name

Carolina Senior Marketing

Website

https://carolinaseniormarketing.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Carolina Senior Marketing is a full-service insurance Field Marketing Organization (FMO) based in Morrisville, NC that serves independent insurance agents across 38 states with access to 110+ carriers, the MedicareCENTER online quoting and enrollment platform, and in-house marketing, contracting, and compliance support.

Ownership category

akta.pro rank

Product category

Insurance Field Marketing Organization (FMO)

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industry

Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD)

Keywords

• Insurance field marketing organization
• Medicare advantage plans
• Insurance agent support services
• Carrier contracting services
• Insurance marketing development

Headquarters

HQ city

Cary

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Carrier Commissions: CSM earns commissions from insurance carriers for policies sold through their agent network. Commissions are typically paid directly to agents by carriers, with CSM acting as the FMO/aggregator. Commission rates vary by product type and carrier.
2. Broker Referral Fees: CSM pays first-year commissions to referring agents for under-65 ACA health insurance referrals. Commission rates vary by carrier ($15-$25 per member per month).
3. Agent Downline Compensation: Agents can bring on sub-agents under their agency and receive compensation for their time and costs associated with recruiting and managing downline agents.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Carolina Senior Marketing is a full-service insurance Field Marketing Organization (FMO) that connects independent insurance agents with contracts and support from 110+ insurance carriers across 38 states. Its core offering is a bundle of services—carrier contracting and licensing, Medicare and ACA quoting/enrollment (via the proprietary MedicareCENTER platform), marketing development (custom websites, branding, print, email, and social media assets), compliance assistance, and an under-65 broker referral program—through which agents can sell Medicare Advantage, Medicare Supplement, PDP, dental/vision, life, annuities, ACA, final expense, critical illness, and short-term care products.

Product overview

Carolina Senior Marketing is a full-service insurance Field Marketing Organization (FMO) that operates as a centralized platform connecting independent insurance agents with a comprehensive portfolio of insurance products. The company offers access to over 110 insurance carriers across 38 states, representing Medicare Advantage, Medicare Supplement, Prescription Drug Plans (PDP), dental/vision, life insurance, annuities, ACA health insurance, final expense, critical illness, and short-term care products. The core offering centers on the MedicareCENTER quoting and enrollment platform, which agents use to quote and enroll clients in Medicare, ACA, Final Expense, and Hospital Indemnity plans. Supporting this platform are service modules including marketing services (logo design, print materials, website development, social media, email marketing), agent contracting services (carrier contracting with 90+ carriers, licensing support, commission tracking), and a broker referral program for under-65 ACA enrollments. The company positions itself as a boutique FMO focused on service excellence for independent agents rather than a technology-only platform.

Differentiator

Problem solved

Functional benefit

Products and services

• MedicareCENTER Quoting and Enrollment Platform Online enrollment platform providing 24/7 access to quoting tools, client management systems, and training resources that enable independent agents to quote and enroll clients in Medicare, ACA Health Insurance, Final Expense, and Hospital Indemnity plans.
• Marketing Services for Independent Agents Custom marketing services including logo design, print marketing (business cards, brochures, letterheads), website development, social media content calendars, email marketing templates, and review generation tools for independent insurance agents.
• Agent Contracting and Licensing Services Carrier contracting and appointment services with 90+ insurance carriers, including licensing support across 54 states and territories, commission tracking, and resolution of carrier-related issues for independent agents.
• Under-65 Health Insurance Broker Referral Program Referral program allowing independent agents to submit under-65 client information for ACA health insurance quoting and enrollment, with CSM handling the sale and paying first-year commissions (per member per month) to the referring agent.

Quantifiable outcome

• 100,000+ lives insured through agent network
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• Integrity Marketing GroupcoreStrategic or Co-development PartnerDustin Alipour, Managing Partner of Carolina Senior Marketing, is also a Managing Partner of Integrity Marketing Group, a strategic partnership providing access to resources, expertise, and industry connections.
• Blue Cross and Blue Shield of North Carolina (Blue Cross NC)flagshipChannel Partner/ Reseller/ DistributorCSM is an independent authorized agent/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association.
• 110+ Insurance Carriers (including Aetna, Anthem, Cigna, Humana, United Healthcare, and many more)flagshipChannel Partner/ Reseller/ DistributorCSM represents over 110 different insurance companies offering Medicare Advantage, Medicare Supplement, PDP, Life Insurance, Annuities, Final Expense, Dental/Vision, and other supplemental plans. Agents can contract with carriers through CSM's platform.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• GoHealth: Public Medicare Advantage-focused insurance distribution operator using a tech-enabled, agent-assisted enrollment model — comparable Medicare distribution category though larger and operated at corporate scale rather than as a boutique FMO.
• SelectQuote: Public, scaled insurance distribution platform selling Medicare, life, and supplemental products directly to consumers via inside-sales agents — comparable senior distribution category but materially larger and consumer-direct rather than FMO-led.

Direct peers

• Integrity Marketing Group: Largest aggregator of FMOs and IMOs in the US, with whom CSM's CEO holds a Managing Partner role. Operates the same FMO/distribution model with Medicare, life, and supplemental products, but at vastly greater scale.
• National Care Network (NCN): FMO providing carrier access, contracting, and marketing support for independent agents focused on Medicare and senior market products — a tightly comparable FMO peer for CSM.
• Ritter Insurance Marketing: One of the largest independent Medicare-focused FMOs in the US, providing carrier contracting, marketing support, and enrollment technology to independent insurance agents — directly comparable to CSM's core FMO service model.
• Senior Market Advisors: Independent FMO serving independent insurance agents in the senior market, offering carrier contracting and Medicare-focused support — comparable FMO model to CSM.
• Amerilife: Large national FMO/distributor specializing in Medicare, life, annuity, and supplemental products through independent agents. Directly comparable FMO model with greater geographic breadth than CSM.
• The Brokerage, Inc. FMO/distributor providing Medicare and senior market carrier access and marketing support to independent agents — closely comparable business model to CSM.
• HTA Insurance Agency: FMO focused on Medicare and senior market products for independent agents, offering contracting, marketing, and back-office support — directly comparable peer in the Medicare FMO space.

Emerging players

• Senior Health 360: Digital-first Medicare brokerage/distribution platform serving consumers and agents with a technology-led experience — partial overlap with CSM, focused on the same agent/senior market but with a tech-first delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCeBHdnOK2UY0gtkhcf_7edA
• Facebookfacebook.com/CarolinaSeniorMarketing
• LinkedInlinkedin.com/company/carolinaseniormarketing
• Instagraminstagram.com/carolinaseniormarketing

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Carolina Senior Marketing