Pacific Educators

What Pacific Educators does

Pacific Educators, Inc. is a privately held insurance brokerage founded in 1971 and headquartered in Orange, California. The company specializes in distributing life, disability, cancer, student accident, and supplemental health and auto/home insurance products to California K-12 school personnel and their families. Distribution is anchored by payroll-deduction partnerships with more than 280 California school districts (including Los Angeles Unified, Long Beach Unified, and San Diego Unified) and an endorsed relationship with the United Teachers Los Angeles (UTLA) teachers' union, supplemented by phone-based licensed plan advisors and a self-service portal for student accident insurance purchases.

The company operates primarily as a broker, earning commissions from underlying carriers — Fidelity Security Life Insurance Company for disability, life, and cancer products, Guarantee Trust Life Insurance Company for student accident coverage, Liberty Mutual for auto/home discounts, and HCC Medical Insurance Services for international student and travel health. Core products include term life insurance up to $402,000 with age-neutral premiums, disability income insurance paying 100% of benefits 12 months/365 days per year, cancer insurance starting at $7.26/month, and student accident insurance priced between $14 and $197 annually depending on coverage tier.

Pacific Educators runs a low-overhead model — no large sales force or mass-market advertising — relying instead on word-of-mouth, union endorsements, district partnerships, and a website (peinsurance.com) for lead generation and enrollment. Technology is intentionally lightweight: an Excel-based rate calculator, an online student insurance purchase portal, downloadable brochures, and standard carrier systems. The firm holds a California insurance license (#0429928) and is independently owned with no disclosed institutional investment, M&A activity, or leadership transitions in the available data.

Name

Pacific Educators

Legal name

Pacific Educators, Inc.

Website

https://peinsurance.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Educators is a privately held insurance brokerage founded in 1971 that distributes life, disability, cancer, and student accident insurance to California K-12 school personnel via payroll-deduction partnerships with 280+ school districts and union endorsements.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Education Sector)

NAICS

Educational Support Services (611710), Educational Services (611)

SIC

Services-Health Services (8000)

akta.pro primary industry

Student Health Insurance & Benefits Administration (EDALAFAL)

Keywords

• Insurance brokerage services
• Disability income insurance
• Term life insurance
• Cancer insurance plans
• Student accident insurance

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Pacific Educators operates as an insurance broker/agency earning commissions from multiple insurance carriers including Fidelity Security Life Insurance Company, Guarantee Trust Life Insurance Company, and Liberty Mutual. The company offers Life, Disability, Cancer, Auto & Home, and Student Accident Insurance products.
2. Life Insurance: Term life insurance products offering up to $402,000 in coverage for members and spouses, with premiums that do not increase with age. Additional accidental death and dismemberment benefits included.
3. Disability Insurance: Disability income replacement insurance providing monthly benefits to employees unable to work due to sickness or injury. Benefits paid 12 months/365 days per year.
4. Cancer Insurance: Cancer-specific insurance with three plan options providing benefits for cancer diagnosis and treatment, including preventive care benefits for mammograms and cervical cancer screenings.
5. Student Accident Insurance: One-time annual payment student accident insurance plans with High and Low option coverage levels, available 24-hour or school-time only, including optional tackle football coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Pacific Educators, Inc. is a California-licensed insurance agency that has specialized since 1971 in distributing Life, Disability, Cancer, Health, Auto/Home, and Student Accident insurance to California school district personnel and their families. Products are underwritten by third-party carriers (Fidelity Security Life, Guarantee Trust Life, Liberty Mutual) and distributed via payroll deduction at over 280 California school districts, direct phone sales, and an online portal for student accident coverage.

Product overview

Pacific Educators is an insurance agency/broker established in 1971 serving California school personnel and their families. The company's product portfolio is organized into three main categories: (1) UTLA Members Insurance providing disability, life, cancer, and accidental death coverage specifically for United Teachers Los Angeles members; (2) California School Employee Insurance covering disability, life, cancer, health, and auto/home discount programs for school employees statewide; and (3) Student Insurance including accident coverage for students and international travel/health insurance products. Additional services include a discount drug card program and ACA eligibility determination tools. The company operates primarily as a broker distributing insurance products from carriers including Fidelity Security Life Insurance Company and Guarantee Trust Life Insurance Company, offering payroll deduction options across over 280 California school districts.

Differentiator

Problem solved

Functional benefit

Products and services

• Disability Income Insurance Disability income insurance for California Teachers, Classified Employees, Administrators, and Confidential Employees working 20+ hours/week, paying 100% benefits 365 days/year including summer and holidays. Also available as UTLA-approved disability plan for United Teachers Los Angeles members.
• Term Life Insurance Term life insurance for California school employees and spouses offering up to $402,000 in coverage (TL-141) or $238,000 (FL-145) with multiple plan options, accidental death and dismemberment benefits, and premiums that do not increase with age. Also offered as UTLA-approved life insurance.
• Cancer Insurance Cancer-specific insurance for California school employees and families with three plan options providing benefits for cancer diagnosis and treatment, including preventive care benefits for mammograms and cervical cancer screenings. Premiums start at $7.26/month for member coverage and $10.38/month for family coverage.
• Health Insurance Individual and family health insurance plans available through the agency, offering multiple plan types including HMO, PPO, POS, and Indemnity options.
• California Student & Athletic Accident Insurance Student accident insurance covering accidental injuries during school activities, available in High and Low option plans with School Time or 24-Hour coverage, including optional tackle football coverage. Underwritten by Guarantee Trust Life Insurance Company. Parents can purchase online with instant policy numbers.
• Discount Auto & Home Insurance Group discount program through Liberty Mutual offering up to 10% off auto and home insurance rates for Pacific Educators affiliates and insured individuals. Savings of up to $327.96/year on auto insurance are available via the Group Savings Plus partnership.

Quantifiable outcome

• Plans pay first $500 in covered expenses to help meet deductibles and co-payments
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Fidelity Security Life Insurance CompanycoreOthersPrimary insurance carrier providing disability, life, and cancer insurance products. Located in Kansas City, MO. Products include UTLA Approved Disability Insurance (SD20), Term Life Insurance (TL-141, FL-145), and Cancer Insurance (CA-15). Pacific Educators serves as the exclusive or primary distribution partner for school personnel in California.
• Guarantee Trust Life Insurance CompanycoreOthersUnderwriter for Student Accident Insurance products. Certificate of Authority # 3088-02. Provides coverage for accidental injuries to students with High and Low option plans available.
• Liberty Mutual InsuranceminorGTM or Marketing PartnerPartnership through Group Savings Plus program providing auto and home insurance discounts to Pacific Educators affiliates and insured. Provides up to 10% group discount plus additional savings. Client #110496 required to qualify.
• United Teachers Los Angeles (UTLA)coreStrategic or Co-development PartnerMajor teachers union in Los Angeles. Pacific Educators offers UTLA-approved disability, life, and cancer insurance plans specifically designed for union members. The union has endorsed Pacific Educators products for their membership.
• South Bay United TeachersminorStrategic or Co-development PartnerTeachers union that has subscribed to Pacific Educators insurance plans for their members, providing prompt and intelligent claims handling.
• San Diego Teachers AssociationminorStrategic or Co-development PartnerTeachers association that has had positive experience with Pacific Educators and Valley Forge Insurance Company for member coverage.
• Professional Association of Orange Educators (P.A.O.E.)minorStrategic or Co-development PartnerProfessional association of educators in Orange County that has utilized Pacific Educators for insurance needs over multiple years, citing honesty, integrity, and expediency.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• California Schools VEBA: Voluntary Employees' Beneficiary Association providing health and welfare benefits to California school district employees. Competes for the same district benefit dollars and payroll deduction slots that Pacific Educators depends on.
• California Casualty: Insurance company specializing in auto, home, and life coverage for educators, law enforcement, firefighters, and nurses. Competes in the same California educator insurance segment and uses similar affinity/payroll distribution models.
• Horace Mann: Publicly traded insurance and financial services company focused exclusively on educators. Sells life, disability, auto, and property insurance to K-12 teachers and administrators through district relationships — directly competing with Pacific Educators' core niche.

Regional players

• SchoolsFirst Federal Credit Union: California's largest credit union serving school employees and their families. Provides insurance, lending, and deposit products to the same California school district workforce and overlaps on insurance distribution to educators.

Others

• Fidelity Security Life Insurance Company: Pacific Educators' core underwriting partner for disability, life, and cancer products. Although a carrier rather than a direct competitor, FSL's distribution decisions materially shape Pacific Educators' product availability and economics.

Broad incumbents

• TIAA: Major financial services provider serving the academic and nonprofit community including K-12 educators. Offers life insurance, retirement, and investment products to California school employees, partially overlapping with Pacific Educators' life insurance line.
• Aflac: Supplemental insurance leader with strong cancer, accident, and disability products sold through worksite/payroll deduction channels. Competes directly with Pacific Educators' cancer and disability offerings where district relationships permit.
• Liberty Mutual: Major national property and casualty insurer that partners with Pacific Educators through its Group Savings Plus program. Serves the same California educator base via affinity distribution and broader consumer channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PacificEducatorsInsuranceServices
• Xx.com/pe_insurance

Revenue estimate

Valuation estimate

Number of profiles

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 Pacific Educators