Insurance Experts Solution
Insurance Experts Solutions is a privately held, family-owned independent insurance brokerage founded in 1973, based in La Mesa / San Diego, CA, that compares and places Life, Disability, Long-Term Care, and Health policies from 100+ A-rated carriers for individuals, families, and high-income professionals nationwide, earning revenue through carrier commissions.
- Company typePrivate
- Founded1973
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Insurance Experts Solution does
Insurance Experts Solutions, Inc. is a privately held, family-owned independent insurance brokerage founded in 1973 (originally as Collins & Associates) by Michael G. Collins (CLU, ChFC) and currently led by Owner & President Jason P. Veirs. The firm operates from La Mesa / San Diego, California, and serves customers nationally across the United States. Its core business is brokering Life, Disability, Long-Term Care, and Health insurance on behalf of individuals, families, and business owners, with a stated focus on high-income professionals such as physicians, executives, and business owners who require higher-complexity coverage structures.
The company's technical platform is an online instant-quote comparison engine that aggregates rates from 100+ A-rated or higher insurance carriers — including Prudential, Nationwide, MassMutual, Mutual of Omaha, Lincoln Financial Group, and Protective Life — and promises a 30-second side-by-side comparison without obligation to purchase. Underlying this funnel is a manual inside-sales operation (toll-free phone line plus local San Diego numbers) where underwriting-trained agents translate the comparison output into a placed policy. The product surface spans Term Life, Universal Life (Guaranteed and Indexed), Whole Life, Individual and Group Health, Dental/Vision, Traditional and Hybrid Life/LTCi, and specialty Disability products including Own Occupation and Business Overhead Expense coverage.
Insurance Experts Solutions earns revenue exclusively through carrier commissions on placed policies (an affiliate/referral model); it does not charge consumers directly for brokerage services. Customer acquisition is driven by SEO/blog content, earned media placements in Forbes/Investopedia/USA Today/US News/The Street, an aggressive review-acquisition posture (700+ 5-star Google and Yelp reviews cited on-site), and a phone- and form-based direct sales motion. The firm reports having served more than 20,000 individuals and families cumulatively (with one section citing 25,000+), and holds BBB accreditation alongside disclosed agent licensing in California, Texas, and Utah.
Insurance Experts Solution firmographics
Firmographics- Name
- Insurance Experts Solution
- Legal name
- Insurance Experts Solutions, Inc.
- Website
- https://insuranceexperts.com
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Insurance Experts Solutions is a privately held, family-owned independent insurance brokerage founded in 1973, based in La Mesa / San Diego, CA, that compares and places Life, Disability, Long-Term Care, and Health policies from 100+ A-rated carriers for individuals, families, and high-income professionals nationwide, earning revenue through carrier commissions.
- Ownership category
- akta.pro rank
Insurance Experts Solution industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Guaranteed Issue Term Life Insurance (FSAIAAAG)
- akta.pro secondary industries
- Simplified Issue Whole Life / UL Insurance (FSAIABAH), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Insurance Experts Solution is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Insurance Experts Solution business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Carrier Commissions: The company earns commissions from insurance carriers when policies are sold through their brokerage. As an independent broker, they receive compensation from the insurance providers whose products they sell to clients, rather than charging clients directly for their services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Insurance quotes are personalized based on individual risk profiles and coverage needs. |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Insurance Experts Solution product offering
Product offeringCore offering
Insurance Experts Solutions is a full-service independent insurance brokerage that compares and distributes Life Insurance (Term, Universal, Whole), Disability Insurance, Long-Term Care Insurance, and Health Insurance from 100+ A-rated carriers. As an intermediary, the firm earns commissions from carriers while providing free quotes, objective carrier comparison, underwriting advocacy, and tailored coverage design for individuals, families, physicians, executives, and business owners nationwide.
Product overview
Insurance Experts Solutions is a full-service independent insurance brokerage offering a comprehensive portfolio of insurance products for high-income professionals, physicians, executives, and business owners. Their core product lines include Life Insurance (Term, Universal, and Whole Life), Disability Insurance, Long-Term Care Insurance, and Health Insurance. They also offer specialized sub-products such as Key Person Life Insurance, Buy-Sell Agreements, Deferred Compensation Plans, Own Occupation DI Policies, and Hybrid Life/LTCi Policies. The firm serves as an intermediary, comparing and quoting from over 100 insurance carriers to secure the best rates and policy structures for clients nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Life Insurance Term life insurance providing coverage for a specified period (e.g., 10, 20, or 30 years) at affordable rates, designed to protect families during peak earning years.
- Universal Life Insurance Flexible permanent life insurance offering both a death benefit and cash value accumulation, available as Guaranteed Universal Life or Indexed Universal Life options.
- Whole Life Insurance Permanent life insurance with fixed premiums and guaranteed cash value growth, providing lifelong coverage with no expiration date.
- Disability Insurance Income protection insurance replacing a portion of earnings if the insured becomes disabled and unable to work, including specialty-specific and business policies.
- Long-Term Care Insurance Insurance protecting retirement assets against costly long-term care expenses, covering nursing home, assisted living, and in-home care services.
- Health Insurance Health coverage products including individual and group plans compliant with the Health Care Reform Act, plus dental and vision options.
Quantifiable outcome
- Save up to 72% on life insurance premiums compared to standard rates
Companies that use Insurance Experts Solution
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Insurance Experts Solution technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Insurance Experts Solution partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- PrudentialcoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. One of the major well-respected insurance carriers featured on the company's carrier logos section.
- NationwidecoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. Major carrier partner featured on the company's carrier logos section.
- MassMutualcoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. Major mutual insurance company partner.
- Mutual of OmahacoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. Featured carrier on the company's website.
- Lincoln Financial GroupcoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. Major financial services company partner.
- Protective LifecoreInsurance carrier partner providing life insurance and related products through the Insurance Experts Solutions brokerage platform. Featured carrier on the company website.
- 100+ A-Rated Insurance CarrierscoreThe company maintains direct relationships with 100+ A-rated or higher insurance companies, giving clients access to the full marketplace rather than a limited carrier shelf. This enables objective policy comparison, underwriting advocacy, and competitive pricing.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
Insurance Experts Solution competitors and assessment
Company assessmentDirect peers
- Policygenius: Online multi-carrier insurance marketplace comparing life, disability, home, and auto insurance from multiple carriers. Directly competes with Insurance Experts Solutions on the same multi-carrier comparison model and target customer segments.
- Ladder: Fully digital term life insurance company offering instant online application and adjustable coverage. Directly competes in the same term life category that anchors Insurance Experts Solutions' marketing.
- Bestow: Online term life insurance platform providing instant quotes and digital underwriting without medical exams. Disrupts the traditional broker model that Insurance Experts Solutions operates.
- SelectQuote: Publicly traded direct-to-consumer insurance comparison platform specializing in life insurance via inside sales. Closely matches Insurance Experts Solutions' phone-based, multi-carrier brokerage model at larger scale.
- Haven Life: Digital life insurance agency backed by MassMutual offering instant online term life quotes and underwriting. Competes head-to-head on the same term life product that Insurance Experts Solutions leads with.
Broad incumbents
- MassMutual: Major mutual life insurance carrier and named channel partner of Insurance Experts Solutions. Competes via captive agency distribution while simultaneously supplying products to Insurance Experts' brokerage.
- Northwestern Mutual: Major mutual life insurer with captive financial advisors focusing on life, disability, and long-term care planning for high-income professionals — directly overlapping Insurance Experts Solutions' primary customer segment.
- New York Life: Large mutual life insurance carrier with extensive captive agent distribution serving the same high-income professional and family life insurance market as Insurance Experts Solutions.
- Bankers Life: Large insurance company with a dedicated agency force selling life, supplemental health, and long-term care insurance to middle-market and pre-retiree consumers — broadly comparable to Insurance Experts Solutions' product mix and customer base.
Emerging players
- Ethos: Digital life insurance platform using simplified underwriting to deliver term and whole life coverage in minutes. Emerging player with partial overlap in the multi-carrier life insurance brokerage space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Insurance Experts Solution social profiles
Digital presenceInsurance Experts Solution compliance and trust
Trust signalCompliance1 record
Insurance Experts Solution financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insurance Experts Solution leadership team
Management profileNumber of profiles
Profiles1 record
Insurance Experts Solution funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insurance Experts Solution 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 Experts Solution
What does Insurance Experts Solution do?
Insurance Experts Solutions is a full-service independent insurance brokerage that compares and distributes Life Insurance (Term, Universal, Whole), Disability Insurance, Long-Term Care Insurance, and Health Insurance from 100+ A-rated carriers. As an intermediary, the firm earns commissions from carriers while providing free quotes, objective carrier comparison, underwriting advocacy, and tailored coverage design for individuals, families, physicians, executives, and business owners nationwide.
Is Insurance Experts Solution a public or private company?
Insurance Experts Solution is a private company. It is classified as family owned and is currently operating.
When was Insurance Experts Solution founded?
Insurance Experts Solution was founded in 1973. It employs 11 to 50 people.
Where is Insurance Experts Solution based?
Insurance Experts Solution is headquartered in San Diego, United States, in the North America region.
How does Insurance Experts Solution make money?
One revenue line is on record: insurance Carrier Commissions.
Who are Insurance Experts Solution's main competitors?
Direct peers on record are Policygenius, Ladder, Bestow, SelectQuote and Haven Life. Broad incumbents are MassMutual, Northwestern Mutual, New York Life and Bankers Life. Ethos is listed as an emerging player.
Does Insurance Experts Solution have an API?
No public API is recorded for Insurance Experts Solution.
What industry is Insurance Experts Solution in?
Insurance Experts Solution's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAAAG, Guaranteed Issue Term Life Insurance, with a secondary code of FSAIABAH, Simplified Issue Whole Life / UL Insurance. Its NAICS code is 52421 and its SIC code is 6411.