Insurance Care Direct
Insurance Care Direct is a family-owned Field Marketing Organization that provides health, life, and ancillary insurance products plus a proprietary enrollment platform to partner insurance agencies across all 50 states.
- Company typePrivate
- Founded1999
- HeadquartersDeerfield Beach, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Insurance Care Direct firmographics
Firmographics- Name
- Insurance Care Direct
- Legal name
- Health Option One, LLC
- Website
- https://insurancecaredirect.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Insurance Care Direct is a family-owned Field Marketing Organization that provides health, life, and ancillary insurance products plus a proprietary enrollment platform to partner insurance agencies across all 50 states.
- Ownership category
- akta.pro rank
Insurance Care Direct industry classification
Industry- Product category
- Insurance Distribution Services (Field Marketing Organization)
- NAICS
- Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- 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
Where Insurance Care Direct is headquartered
LocationHeadquarters
- HQ city
- Deerfield Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Insurance Care Direct business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Product Distribution: Insurance Care Direct operates as a Field Marketing Organization (FMO), earning commissions from insurance carriers for placing insurance products through its network of partner agencies. The company offers competitive compensation structures to agencies while generating revenue through carrier commission agreements.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Insurance Care Direct product offering
Product offeringCore offering
Insurance Care Direct is a Field Marketing Organization (FMO) that distributes health, life, supplemental, and ancillary insurance products through a nationwide network of partner insurance agencies. The company equips these agencies with a proprietary enrollment platform, an administrative back-office system, compliance and client-management tools, training programs, and expert guidance, and earns commissions from carrier partners for policies placed.
Product overview
Insurance Care Direct is a family-owned Field Marketing Organization (FMO) that provides a comprehensive platform of insurance products and services to agencies. The offering consists of a proprietary enrollment platform with administrative back office capabilities, supported by a suite of training programs and expert guidance services. The product portfolio includes four main insurance categories: (1) Insured Core products covering Short Term Medical, Term Life, ACA Plans, and Whole Life Insurance; (2) Individual Limited Medical including Hospital Indemnity and physician services; (3) Insured Ancillary including Dental, Critical Illness, and Accidental coverage; and (4) Non-Insured Ancillary programs offering discount dental/vision/rx, medical concierge services, and deductible reimbursement. The company serves as an FMO connecting insurance professionals with carriers nationwide since 1999.
Differentiator
Problem solved
Functional benefit
Products and services
- Insured Core Core insurance coverage line for partner agencies and their clients, bundling Short Term Medical Coverage, Term Life Insurance, Affordable Care Act (ACA) Plans, and Whole Life Insurance into a single product category.
- Individual Limited Medical Supplemental medical coverage for individuals, including Hospital Indemnity, Physician Office Visits, Surgery, Lab Services, and additional limited medical benefits, offered to partner agencies and their clients.
- Insured Ancillary Ancillary insurance coverages offered to partner agencies and their clients, including Dental Insurance, Critical Illness, Accidental Medical Expense, and Accidental Death and Dismemberment coverage.
- Non-Insured Ancillary Non-insured benefit programs offered to partner agencies, including Discount Dental, Vision, and Prescription programs, a Direct Medical Concierge Program, and a Financial Security Suite covering Home and Auto Deductible Reimbursement.
- Proprietary Enrollment Platform and Administrative Back Office Standalone proprietary technology product enabling insurance agencies to enroll clients in health, life, supplemental, and ancillary insurance products, with integrated administrative back-office tools for client information management, compliance, and ongoing member services.
- Agency Training and Expert Guidance Services Structured training programs for the company's proprietary tools and the broader insurance marketplace, plus expert guidance and ongoing support services delivered to partner insurance agencies to help them grow their business.
Companies that use Insurance Care Direct
Customer profileSegments1 record
Ideal customer profiles1 record
Insurance Care Direct technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Insurance Care Direct partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights4 records
Insurance Care Direct competitors and assessment
Company assessmentEmerging players
- EverQuote: EverQuote operates an online insurance marketplace that connects consumers with agents and carriers across auto, home, life, and health, using data-driven consumer acquisition. Its agent-channel monetization is structurally similar to how an FMO like ICD monetizes partner agencies.
Direct peers
- Quotit: Quotit provides web-based quoting, enrollment, and agency management software for individual health, Medicare, and ancillary insurance products. Comparable to ICD's proprietary enrollment and back-office platform serving partner agencies.
- Benefytt Technologies: Benefytt (formerly Health Insurance Innovations) is a technology-driven distributor of individual health, Medicare Supplement, and ancillary insurance products through its own consumer-facing brands and partner channels, with a comparable multi-line product mix to Insurance Care Direct.
- SelectQuote: SelectQuote is a tech-enabled insurance distribution platform focused on life, health, and senior-market products sold through call-center agents; comparable to ICD for its multi-line distribution model and carrier commission revenue mechanics.
- Ritter Insurance Marketing: Ritter is one of the largest independent FMOs in the U.S., offering Medicare, ACA, life, and ancillary products through partner agencies with proprietary enrollment technology — directly comparable to Insurance Care Direct's FMO-plus-platform model.
Broad incumbents
- eHealth: eHealth is a publicly traded online health insurance marketplace offering individual, family, Medicare, and ancillary plans nationwide. It overlaps with ICD's health and Medicare distribution focus at much greater scale, but serves consumers directly rather than through partner agencies.
- GoHealth: GoHealth is a large Medicare-focused health insurance marketplace operating proprietary enrollment technology across all 50 states. Its platform-centric distribution model overlaps materially with ICD's proprietary enrollment platform and FMO services for partner agencies.
- HealthMarkets: HealthMarkets is a national insurance agency distributing individual, family, Medicare, and small-business health products through a network of licensed agents across all 50 states — comparable to ICD's nationwide distribution footprint and multi-line product focus.
- Integrity Marketing Group: Integrity Marketing is one of the largest independent insurance distributors in the U.S., aggregating agents and agencies across life, health, Medicare, and retirement products with proprietary technology and back-office services — a scaled analog to Insurance Care Direct's model.
- AmeriLife: AmeriLife is a large insurance distribution platform serving agents and agencies nationwide across health, life, Medicare, and annuity products through partner relationships. Comparable to ICD as a multi-line distribution platform serving independent agencies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
Insurance Care Direct social profiles
Digital presenceInsurance Care Direct compliance and trust
Trust signalCompliance2 records
Insurance Care Direct financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insurance Care Direct leadership team
Management profileNumber of profiles
Insurance Care Direct funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insurance Care Direct 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 Insurance Care Direct
What does Insurance Care Direct do?
Insurance Care Direct is a Field Marketing Organization (FMO) that distributes health, life, supplemental, and ancillary insurance products through a nationwide network of partner insurance agencies. The company equips these agencies with a proprietary enrollment platform, an administrative back-office system, compliance and client-management tools, training programs, and expert guidance, and earns commissions from carrier partners for policies placed.
Is Insurance Care Direct a public or private company?
Insurance Care Direct is a private company. It is classified as family owned and is currently operating.
When was Insurance Care Direct founded?
Insurance Care Direct was founded in 1999. It employs 11 to 50 people.
Where is Insurance Care Direct based?
Insurance Care Direct is headquartered in Deerfield Beach, United States, in the North America region.
How does Insurance Care Direct make money?
One revenue line is on record: insurance Product Distribution.
Who are Insurance Care Direct's main competitors?
EverQuote is listed as an emerging player. Direct peers are Quotit, Benefytt Technologies, SelectQuote and Ritter Insurance Marketing. Broad incumbents are eHealth, GoHealth, HealthMarkets, Integrity Marketing Group and AmeriLife.
Does Insurance Care Direct have an API?
No public API is recorded for Insurance Care Direct.
What industry is Insurance Care Direct in?
Insurance Care Direct's product category is Insurance Distribution Services (Field Marketing Organization). Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of HLAEADAD, Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO). Its NAICS code is 52421 and its SIC code is 6411.