Doran Independent Insurance

What Doran Independent Insurance does

Doran Independent Insurance, LLC is a privately held, founder-owned independent insurance agency headquartered in Wolfeboro, New Hampshire. Founded in July 2011 by Paul Doran after more than 30 years in the insurance industry, the firm operates with 8 employees and represents 8 carrier organizations offering 75 products spanning Medicare (Supplement, Advantage, Part D), individual and family health, life insurance (term, whole, universal, final expense), fixed annuities, long-term care, and supplemental lines (dental, vision, cancer, critical illness, hospital indemnity, accident), plus TeleMedicine and travel medical coverage.

The business model is commission-based revenue earned across multiple insurance carriers, monetized through a sales-led, face-to-face advisory motion supplemented by Calendly-driven virtual consultations and no-cost quote requests. The core service differentiator is the VAC (Value Added Client) Advisory Agreement, an annual retainer-style engagement that delivers proactive outreach, claims resolution, network/provider searches, and guaranteed Open Enrollment appointments; documented outcomes include $180,000+ in single-client claims savings and recurring prescription cost reductions for VAC clients. Technology is limited to a content/lead-gen website with provider search links and Calendly scheduling; no proprietary platform, API, or AI capability is disclosed.

Distribution is direct-to-consumer within the Wolfeboro/NH market and broader New England region, supported by referral-led growth and community events (Munch and Learn, Client Appreciation Days). Emily Skelley was appointed CEO in 2024 to lead day-to-day operations while Paul Doran continues as Owner & Consultant. The firm is privately held with no external investment, parent entity, or M&A activity disclosed.

Name

Doran Independent Insurance

Legal name

Doran Independent Insurance, LLC

Website

https://doranindependentinsurance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Doran Independent Insurance is a privately held independent insurance agency in Wolfeboro, New Hampshire, representing 8 carriers and 75 products across Medicare, individual health, life, annuities, long-term care, and supplemental lines for individual consumers and families.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Standalone Critical Illness Insurance (FSAIAKAA)

Keywords

• Independent insurance agency
• Medicare planning services
• Life insurance brokerage
• Health insurance consulting
• Long-term care insurance

Headquarters

HQ city

Wolfeboro

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Generates revenue through commissions from multiple insurance carriers for placing policies. Works with 8 organizations offering 75 products including Medicare, health, life, and supplemental insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Doran Independent Insurance operates as an independent insurance agency that consults with individual clients to match them with Medicare, individual health, life, long-term care, fixed annuity, and supplemental insurance products from 8 carrier partners offering 75 products. The agency sells these products through no-cost face-to-face and virtual consultations and supports clients through an annual Advisory Agreement (VAC) program that includes claims resolution, prescription re-shopping, and guaranteed Open Enrollment appointments.

Product overview

Doran Independent Insurance offers a comprehensive portfolio of insurance products and services through an independent consultant model, working with multiple carriers to provide clients with the best value. The core product portfolio centers on Medicare products (Medicare Supplement Plans, Medicare Advantage Plans, and Medicare Part D Prescription Drug Plans), Individual Health Insurance, Life Insurance (Term, Final Expense, Universal Life, and Whole Life), Fixed Annuities, and Long-Term Care Insurance. The company also provides supplemental/ancillary insurance products including Dental, Vision, Cancer, Critical Illness, Hospital Indemnity, and Accident Plans. Additional services include TeleMedicine and Travel Medical Insurance. The Advisory Agreement represents an enhanced service layer that provides ongoing client support, proactive outreach, and guaranteed Open Enrollment appointments, differentiating their service from typical agent/broker relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplement Plans Medicare Supplement Insurance Plans used alongside Original Medicare to cover the remaining 20% of covered benefits that Medicare does not pay. Designed for Medicare beneficiaries seeking predictable out-of-pocket costs; any provider that accepts Medicare also accepts the supplement plan.
• Medicare Advantage Plans Medicare Advantage Plans (Part C or MA Plans) are all-in-one alternatives to Original Medicare offered by private Medicare-approved companies, bundling Part A, Part B, and usually Part D prescription drug coverage. Designed for Medicare beneficiaries seeking consolidated coverage options.
• Medicare Part D Prescription Drug Plans Medicare Prescription Drug Plans (PDPs) that add drug coverage to Original Medicare, some Medicare Cost Plans, PFFS Plans, and MSA Plans. Each plan has its own formulary of covered drugs across different tiers. Targets Medicare beneficiaries needing standalone prescription coverage.
• Individual Health Insurance Individual health insurance products and services for individuals and families under age 65, with side-by-side comparisons from multiple carriers. Designed for those seeking non-employer coverage including ACA marketplace plans.
• Term Life Insurance Term Insurance is the most affordable type of life insurance when initially purchased, designed to meet temporary needs and providing protection for a specific period of time. Pays a benefit only if the insured dies during the term.
• Whole Life Insurance Whole Life Insurance is a life insurance contract with level premiums that combines insurance and investment components, accumulating cash value that the policyholder can withdraw or borrow against with tax-deferred growth.
• Universal Life Insurance Universal Life Insurance provides more flexibility than whole life by allowing the policy owner to shift money between insurance and savings components, with variable premiums and adjustable payments based on individual circumstances.
• Final Expense Insurance Final Expense coverage is life insurance that pays off debts such as loans, credit card debt, estate costs, and funeral expenses, ensuring everything is taken care of upon passing.
• Dental Insurance Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. Sold alongside the agency's other health offerings.
• Vision Plans Vision insurance provides coverage for services rendered by eye care professionals such as ophthalmologists and optometrists. Sold as a supplemental product.
• Cancer Insurance Cancer insurance pays an immediate one-time, lump-sum payment directly to the insured upon initial diagnosis of covered cancer, which can be used for any purpose.
• Critical Illness Plans Critical Illness Insurance provides benefits when a covered person is diagnosed with an eligible condition such as heart attack, stroke, major organ transplant, end stage renal failure, or coronary artery bypass surgery.
• Hospital Indemnity Insurance Hospital indemnity insurance pays a set amount per day, week, month, or visit if the insured is confined in a hospital.
• Accident Plans Accident Insurance helps handle medical and out-of-pocket costs after an accidental injury, including emergency treatment, hospital stays, medical exams, transportation, and lodging needs.
• Fixed Annuities Fixed annuities are investments offered through contracts with life insurance companies that provide guaranteed income streams or retirement nest eggs, classified by purpose (accumulation/payout), payout commitment, tax status, and premium payment arrangement. Designed for individuals seeking guaranteed retirement income.
• Long-Term Care Insurance Long-Term Care Insurance provides assistance with activities of daily living such as bathing and dressing due to accident, illness, or advancing age, received either at home or in a facility. Addresses rising life expectancy needs. Paul Doran specializes in this product.
• Advisory Agreement (VAC Program) Annual Advisory Agreement offering peace of mind with proactive outreach, deadline reminders, network searches for in-network providers, premium billing assistance, claims resolution, and guaranteed appointments during Annual Open Enrollment. Differentiates the agency from typical agent/broker relationships by providing continuous post-sale support.
• TeleMedicine Services TeleMedicine services offered as part of the complete line of insurance products and services for clients. Provides remote access to health care providers as a value-added offering.
• Travel Medical Insurance Travel medical insurance coverage offered as part of the insurance products and services portfolio for clients needing coverage while traveling domestically or abroad.

Quantifiable outcome

• $180,000+ saved on medical claims for single client
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Advocate HealthcoreChannel Partner/ Reseller/ DistributorFMO (Field Marketing Organization) partner. Paul and Emily met with Advocate Health at their headquarters in Venice, Florida for key updates during an intensive two-day visit.
• AetnacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for health insurance products. Provider search links provided on website.
• AnthemcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for health insurance products. Provider search links provided on website.
• HumanacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for Medicare and health insurance products. Provider search links provided on website.
• Martins Point HealthcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner. Provider search links provided on website.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for Medicare and health insurance products. Provider search links provided on website.
• WellcarecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for Medicare products. Provider search links provided on website.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Goosehead Insurance: Public franchisor of independent insurance agencies distributing personal lines including life and health across multiple carriers. Highly comparable business model of carrier-agnostic, advisor-led distribution, though at national scale.
• SelectQuote: Public, technology-enabled D2C distributor that built its core business on Medicare, life, and supplemental insurance — directly overlapping Doran's product mix and target beneficiary segments.
• HealthPlanOne: Independent Medicare and health insurance distribution agency that represents multiple carriers — the closest analog to Doran's independent brokerage model across Medicare Supplement, Advantage, and individual health products.
• eHealth: Public online Medicare and health insurance marketplace connecting consumers to carriers. Operates the same broker / agency economic model but via a digital channel, competing for the same Medicare-eligible consumer.

Broad incumbents

• Humana: Largest U.S. Medicare Advantage carrier and a current Doran distribution partner. A broad incumbent whose direct-to-consumer channels and scale could disintermediate the agency model that Doran depends upon.
• UnitedHealthcare: The largest U.S. health insurer, with a dominant Medicare Advantage franchise that Doran distributes for. Operates its own direct enrollment channels that compete with independent agents for the same beneficiaries.

Emerging players

• Chapter: Tech-enabled Medicare advisory platform that uses proprietary software to recommend Medicare plans to consumers. Targets the same Medicare-eligible segment but competes via a digital-first channel rather than face-to-face meetings.
• Insurify: AI-powered insurance comparison marketplace that captures consumer intent for life, home, auto, and increasingly Medicare products — a tech-mediated competitor to traditional independent brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/1183445608351705
• LinkedInlinkedin.com/company/doran-independent-insurance-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Doran Independent Insurance