Calkins-Kramer Insurance

What Calkins-Kramer Insurance does

Calkins-Kramer Insurance, Inc. is a private wholesale insurance brokerage founded in 1975 and headquartered in St. Petersburg, Florida. The firm operates as a general brokerage agency exclusively serving licensed independent insurance agents and financial planners across 49 U.S. states (excluding New York), and does not sell directly to consumers. With 1-10 employees and a carrier roster of more than 25 top-rated life, long-term care, disability, and annuity providers, Calkins-Kramer functions as a distribution intermediary that gives independent agents access to multiple carriers and product categories through a single wholesale relationship.

The firm's product portfolio spans the full life insurance spectrum — term, whole life, universal life, index universal life, and survivorship life — complemented by long-term care insurance, disability income insurance, and fixed annuities. Its proprietary technology layer is the Calkins-Kramer EZ App, a multi-carrier drop-ticket and quoting platform integrated with industry infrastructure including iPipeline (forms, term-life quotes, and underwriting), LIMRA (AML training), DiServices (disability portal), The Marketing Alliance (annuity service center), and NAPA Benefits (E&O coverage). The company additionally maintains in-house underwriting staff to handle impaired-risk cases, which it cites as a key differentiator for difficult-to-place applicants.

Calkins-Kramer generates revenue through insurance and annuity commissions and override payments from its carrier partners for policies placed through its agent network. It markets to agents through its corporate website, 24/7 web portals, email newsletters, and social media channels (Facebook, Twitter, LinkedIn). The business model is B2B-only with no direct consumer touchpoint, and the available record contains no disclosed funding events, M&A activity, or leadership transitions.

Name

Calkins-Kramer Insurance

Legal name

Calkins-Kramer Insurance, Inc.

Website

https://calkinskramer.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

1–10 employees

Short description

Calkins-Kramer Insurance is a wholesale general brokerage founded in 1975 in St. Petersburg, Florida, representing 25+ top-rated carriers to provide life, long-term care, disability, and annuity products to independent insurance agents across 49 U.S. states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Life insurance distribution
• Annuity products
• Long term care insurance
• Disability income insurance

Headquarters

HQ city

St. Petersburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Annuity Commissions: Calkins-Kramer Insurance generates revenue through commissions earned on insurance and annuity products sold through its network of independent agents. The company represents top-rated insurance carriers and receives commission overrides or brokerage fees for products placed through their agency.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Calkins-Kramer Insurance operates as a wholesale general brokerage agency that provides independent insurance agents and financial planners with access to top-rated insurance carriers' life insurance (term, whole, universal, index universal, survivorship), long-term care, disability income, and fixed annuity products. The firm supports its agent partners with in-house underwriting, multi-carrier quoting tools (including the proprietary Calkins-Kramer EZ App), and ongoing carrier relationship management, serving agents across 49 U.S. states excluding New York.

Product overview

Calkins-Kramer Insurance is a premiere general brokerage agency representing the nation's top-rated insurance carriers. Their product portfolio centers on life insurance products (term, whole life, universal life, index universal life, and survivorship life) complemented by long term care insurance, disability income insurance, and fixed annuities. The company distinguishes itself with in-house underwriters and the proprietary Calkins-Kramer EZ App platform for multi-carrier life insurance quoting and drop ticket submission. They serve independent agents in 49 states, excluding New York.

Differentiator

Problem solved

Functional benefit

Brands

• Calkins-Kramer EZ App: Multi-carrier life insurance drop ticket and quote system for insurance agents

Products and services

• Term Life Insurance Life insurance coverage for a specified term period at competitive rates, offered from multiple top-rated carriers and made available to independent insurance agents to resell to their clients.
• Whole Life Insurance Permanent life insurance with cash value accumulation and a guaranteed death benefit, offered to independent insurance agents through multiple top-rated carriers.
• Universal Life Insurance Flexible premium permanent life insurance with adjustable death benefits and a cash value component, distributed to independent agents via the brokerage.
• Index Universal Life Universal life insurance in which cash value growth is tied to equity index performance, offered to independent insurance agents through multiple carriers.
• Survivorship Life Insurance Joint life insurance covering two lives, paying the death benefit upon the second death, made available to independent agents via carrier partnerships.
• Long Term Care Insurance Insurance coverage for extended care services including nursing home, assisted living, and home health care, distributed to independent agents.
• Disability Income Insurance Insurance providing income replacement if the insured becomes disabled and unable to work, offered to independent agents through carrier partners and supported by a dedicated disability insurance portal.
• Fixed Annuities Tax-deferred retirement products with guaranteed interest rates and periodic payment options, made available to independent agents through a 24/7 annuity service center web portal.
• Calkins-Kramer EZ App Multi-carrier life insurance drop ticket and quote system that enables independent insurance agents to access competitive rates and submit applications across multiple top-rated carriers through a single platform.

Quantifiable outcome

• $5 million policy approved at standard non-smoker rates for a 55-year-old female with diabetes, cholesterol, and hypertension
• +1 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature1 record

Partnerships

24 partnerships are on record, tiered core and supporting.

• American GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance products through Calkins-Kramer's agency network.
• American NationalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering life and annuity products, with incentive programs for top producers.
• AmeritascoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various insurance and annuity products.
• AthenecoreChannel Partner/ Reseller/ DistributorAnnuity carrier partner with incentive programs including Leaders of Olympus recognition trips for top producers achieving $4 million+ in paid premium.
• AvivacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing annuity and insurance products.
• AXAcoreChannel Partner/ Reseller/ DistributorGlobal insurance carrier partner providing various insurance products.
• Cincinnati LifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance products.
• John HancockcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life and long-term care insurance products.
• Legal & General AmericacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (through Banner Life brand) providing term life insurance with regular rate updates and OpTerm products.
• Lincoln NationalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance and MoneyGuard products, including MoneyGuard II available in Florida.
• Mass MutualcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing life insurance and annuity products.
• Minnesota LifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance products.
• MetLifecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing life insurance including Secure Flex UL products, currently evaluating separation of its life insurance unit.
• North AmericancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Fixed Index Annuities with EPIC Reward commission bonus programs (up to 1% commission bonus at Gold level for $2.5M+ production).
• Protective LifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recently acquired by Dai-chi Life Insurance Company, providing life insurance products.
• SymetracoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing annuity and insurance products.
• TransamericacoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing life insurance, long-term care (TransCare II, TransCare III, Transamerica Secure), and annuity products. Products include gender-based pricing and various benefit options.
• United of Omaha / Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance (including Term Life Express with simplified issue products) and long-term care with tax advantage options.
• United Home LifesupportingChannel Partner/ Reseller/ DistributorInsurance carrier partner providing simplified issue and guaranteed issue life insurance products.
• WS Financial Partners / Integrity LifesupportingChannel Partner/ Reseller/ DistributorInsurance carrier partner providing life insurance products.
• Oxford LifesupportingChannel Partner/ Reseller/ DistributorInsurance carrier specializing in senior products including final expense and single premium whole life insurance, added in 2013.
• Baltimore LifesupportingChannel Partner/ Reseller/ DistributorSimplified issue and guaranteed issue insurance carrier partner.
• Fidelity LifesupportingChannel Partner/ Reseller/ DistributorSimplified issue insurance carrier partner providing life insurance products.
• OneAmericasupportingChannel Partner/ Reseller/ DistributorInsurance carrier partner and leader in linked benefit products, added as a carrier offering.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Highland Capital Brokerage: Wholesale life insurance brokerage firm serving independent financial professionals with multi-carrier placement, in-house underwriting support, and impaired risk specialization — directly comparable to Calkins-Kramer's B2B model and product mix.
• Crump Life Insurance Services: Long-standing wholesale life insurance brokerage (now part of Cetera) providing multi-carrier placement and case management for independent producers across life, annuity, and disability lines — same general agency model as Calkins-Kramer.
• CreativeOne: Independent marketing organization partnering with life and annuity carriers to serve independent agents, with multi-carrier placement and producer support — analogous channel-partner distribution model.
• Asset Marketing Systems: Insurance services organization that contracts with independent agents and brokers for placement of life insurance and annuity products across multiple carriers — comparable wholesale general agency/IMO structure.
• D.W. Van Dyke & Company: Wholesale life insurance brokerage providing impaired risk expertise and multi-carrier placement for independent agents — closely comparable to Calkins-Kramer's specialized underwriting focus and B2B GTM.
• Ash Brokerage (OneDigital): Wholesale life insurance brokerage acquired by OneDigital that places cases across multiple carriers for independent agents, with deep product breadth across life, disability, and annuities — a direct general agency competitor.
• Partners Financial: Independent marketing organization that partners with independent agents to place life insurance and annuity products across multiple carriers — comparable wholesale distribution model serving producing agents nationwide.
• Annexus: Independent marketing organization specializing in fixed annuity, fixed indexed annuity, and life insurance distribution to independent financial professionals — directly comparable to Calkins-Kramer's life and annuity wholesale brokerage focus.

Broad incumbents

• Integrity Marketing Group: Large consolidator of independent insurance marketing organizations and agencies serving life, health, and annuity products — operates broadly across the same independent agent distribution space as Calkins-Kramer but at significantly greater scale.
• Transamerica: Major life insurance carrier with direct agent distribution programs across life, LTC, and annuity products — a Calkins-Kramer carrier partner that also competes indirectly by serving independent producers through its own channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CalkinsKramer
• Facebookfacebook.com/pages/Calkins-Kramer-Insurance-Inc/113516998660445
• LinkedInlinkedin.com/company/calkins-kramer-insurance-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Calkins-Kramer Insurance