Citizens Insurance Solutions
Citizens Insurance Solutions is a privately held licensed insurance agency in Loudon, Tennessee, founded by Heather Majka in 2019. It provides personalized Medicare, health, life, and Social Security claiming advisory services to individuals and veterans nationwide, compensated via commissions from 150+ insurance carriers.
- Company typePrivate
- Founded2019
- HeadquartersLoudon, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Citizens Insurance Solutions does
Citizens Insurance Solutions is a privately held, sole-proprietorship insurance agency founded in June 2019 by Heather Majka and headquartered in Loudon, Tennessee. The firm operates as a licensed insurance agency representing more than 150 insurance carriers, including Blue Cross Blue Shield, Humana, United Healthcare, Cigna, Aetna, WellCare, Mutual of Omaha, and Health Spring, and is compensated entirely through carrier commissions without charging clients direct fees. Its core offering centers on Medicare advisory services, including Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plan selection, supported by ancillary products such as dental and vision insurance, life and burial insurance, cash cancer coverage, long-term care, disability, and travel insurance. Beyond Medicare, the agency distributes ACA-compliant health plans through the HealthSherpa marketplace integration and provides Social Security claiming strategy services, Medicaid enrollment assistance, prescription drug savings program navigation, and veterans benefits counseling.
The go-to-market motion is consultative sales-led with a heavy community-led overlay. Approximately nine team members, including certified advisors holding CMIP, CSSCS, and CPCU designations, deliver personalized consultations via phone, Zoom, in-person meetings at the Loudon office, and asynchronous Loom video explainers. Demand generation is driven by educational seminars at the Tellico Village Public Library, radio appearances on Newstalk 987 FM, community sponsorships (pickleball championships, VFW events, Alzheimer's/dementia fundraisers totaling over $6,156 in contributions), and a charity-linked referral program. The technology stack is non-proprietary, comprising Zoom, JotForm, Loom, HiHello digital business cards, RadiusBob scheduling, and HealthSherpa for marketplace enrollment; the firm does not offer a native mobile application, public API, or proprietary software platform. Heather Majka's status as Tennessee's only Certified Social Security Claiming Strategist functions as a credentialed expertise moat supporting the agency's positioning on Social Security optimization alongside Medicare.
Citizens Insurance Solutions is organized as a sole proprietorship with no external institutional or venture funding, no parent company, and no subsidiaries. The agency serves a primary segment of Medicare beneficiaries (individuals aged 65+ or those qualifying due to disability) with secondary segments including pre-Medicare individuals and families seeking ACA coverage, and veterans and their families seeking Medicare-VA coordination. Service delivery is national in scope with a concentration in the East Tennessee Tellico Village area, and additional team members operating remotely from northern Idaho and Seymour, Tennessee. The firm is licensed across the U.S. to offer plans in any state and operates as an independent agency not affiliated with any government agency or single carrier.
Citizens Insurance Solutions firmographics
Firmographics- Name
- Citizens Insurance Solutions
- Legal name
- Citizens Insurance Solutions
- Website
- https://citizensinsurancesolutions.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Citizens Insurance Solutions is a privately held licensed insurance agency in Loudon, Tennessee, founded by Heather Majka in 2019. It provides personalized Medicare, health, life, and Social Security claiming advisory services to individuals and veterans nationwide, compensated via commissions from 150+ insurance carriers.
- Ownership category
- akta.pro rank
Citizens Insurance Solutions industry classification
Industry- Product category
- Insurance Brokerage (Medicare & Health)
- NAICS
- Health Care and Social Assistance (62)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Medicare Advantage (MA) Plans (FSAIAGAA), Medicare Part D Prescription Drug Plans (PDP) (FSAIAGAC)
Keywords
Where Citizens Insurance Solutions is headquartered
LocationHeadquarters
- HQ city
- Loudon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Citizens Insurance Solutions business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commissions: Citizens Insurance Solutions is compensated entirely through commissions paid by insurance companies when they sell insurance products to clients. The company states: 'You actually do not pay anything to use our services or receive help/advice. We are paid by the insurance company in the form of commission if we sell you insurance.' The insurance companies pay a set commission per Federal and State guidelines. This is a commission-based revenue model where no fees are charged directly to clients for consulting services.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Citizens Insurance Solutions product offering
Product offeringCore offering
Citizens Insurance Solutions is a licensed independent insurance agency that provides personalized advisory and enrollment services for Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D prescription drug plans, ACA/Obamacare health insurance, dental, vision, hearing, life, burial, cancer, long-term care, disability, and travel insurance products. The agency represents over 150 insurance carriers and delivers its services through free consultations provided by phone, video conference (Zoom), and in-person meetings at its Loudon, Tennessee headquarters.
Product overview
Citizens Insurance Solutions is a licensed Medicare insurance agency offering a comprehensive portfolio of health and insurance products. The core offering centers on Medicare insurance solutions including Medicare Advantage plans, Medicare Supplement (Medigap) insurance, and Medicare Part D prescription drug plans, all facilitated through relationships with over 150 insurance carriers nationwide. Beyond Medicare, the company provides additional insurance products including dental and vision coverage, life insurance with burial insurance options, cash cancer coverage, long-term care and disability insurance, and travel insurance. The company also offers ancillary services such as ACA-compliant health insurance, Social Security claiming strategies, prescription drug assistance programs, Medicaid enrollment help, and veterans benefits navigation. Services are delivered across multiple channels including in-person consultations, virtual meetings via Zoom, and online quote tools.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Health & Prescription Drug Plans
Quantifiable outcome
- Heather Majka has helped tens of thousands of Americans of all ages with their health insurance needs.
- +1 more outcomes
Companies that use Citizens Insurance Solutions
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Citizens Insurance Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Citizens Insurance Solutions partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- Blue Cross Blue ShieldcoreCitizens Insurance Solutions is a licensed agency representing Blue Cross Blue Shield Medicare and health insurance plans. Blue Cross Blue Shield is one of the 150+ insurance companies the agency represents, providing Medicare Advantage, Supplement, and health insurance products to clients.
- HumanacoreCitizens Insurance Solutions is a licensed agency representing Humana Medicare and health insurance plans as part of its 150+ carrier network.
- United HealthcarecoreCitizens Insurance Solutions is a licensed agency representing United Healthcare Medicare and health insurance plans as part of its 150+ carrier network.
- CignacoreCitizens Insurance Solutions is a licensed agency representing Cigna Medicare and health insurance plans as part of its 150+ carrier network.
- AetnacoreCitizens Insurance Solutions is a licensed agency representing Aetna Medicare and health insurance plans as part of its 150+ carrier network.
- WellCarecoreCitizens Insurance Solutions is a licensed agency representing WellCare Medicare and health insurance plans as part of its 150+ carrier network.
- Mutual of OmahacoreCitizens Insurance Solutions is a licensed agency representing Mutual of Omaha Medicare and health insurance plans as part of its 150+ carrier network.
- Health SpringcoreCitizens Insurance Solutions is a licensed agency representing Health Spring Medicare and health insurance plans as part of its 150+ carrier network.
- Tellico Village Public LibraryminorCitizens Insurance Solutions partners with the Tellico Village Public Library to offer free educational classes including Medicare Q&A sessions, Social Security seminars, and Medicare changes presentations. The library provides the venue and RSVPs while the company provides expert speakers and educational content.
- VFW Post (Tellico Village)minorMarie Connolly, an agent at Citizens Insurance Solutions, provides community service to the local VFW post including organizing and sponsoring a Valentine's Day Dinner Dance event. The company sponsors VFW fundraising events and pickleball championships, leveraging community partnerships for brand awareness.
- Our Place (Dementia/Alzheimer's Day Center)minorCitizens Insurance Solutions is a proud supporter of Our Place, a day program for senior adults living with Alzheimer's or dementia. The company sponsored an 'Afterglow Party and Fundraiser' at the Tellico Village Yacht Club and their Give Back Day fundraiser raised over $6,156 for Our Place.
- Delta DentalcoreCitizens Insurance Solutions offers Delta Dental insurance plans as part of its dental insurance product offerings, providing clients with access to dental coverage from this carrier.
- AmeritascoreCitizens Insurance Solutions offers Ameritas dental, vision, and hearing insurance plans as part of its product portfolio.
- Cigna Dental, Vision, HearingcoreCitizens Insurance Solutions offers Cigna Dental, Vision, and Hearing insurance plans as part of its comprehensive insurance product offerings.
- Humana DentalcoreCitizens Insurance Solutions offers Humana dental insurance plans as part of its dental insurance product offerings.
- Spirit Dental & VisioncoreCitizens Insurance Solutions offers Spirit Dental & Vision insurance plans as part of its product offerings.
- HealthSherpaminorCitizens Insurance Solutions uses HealthSherpa as a platform for clients to view and purchase 2025 & 2026 health insurance plans. Agent Heather Majka is affiliated with HealthSherpa for marketplace plan enrollment.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Citizens Insurance Solutions competitors and assessment
Company assessmentDirect peers
- eHealth: Online health insurance marketplace offering Medicare, ACA, and individual/family plans from multiple carriers. Operates a similar multi-carrier distribution model for Medicare products but delivers it through a web platform rather than licensed local advisors, directly competing for the same senior customers.
- Senior Market Sales: Independent insurance marketing organization specializing in Medicare, life, and retirement products distributed through a network of independent agents. Comparable multi-carrier, agent-led distribution model with similar product portfolio (Medicare Supplement, Advantage, life, annuities) targeting the same senior demographic.
- GoHealth: Medicare-focused health insurance marketplace with licensed agents selling Medicare Advantage, Supplement, and Part D plans from multiple carriers. Closely comparable business model — multi-carrier Medicare distribution via licensed agents compensated on commission — but operates at national scale using call-center technology rather than local community GTM.
- QuoteWizard: Insurance comparison platform (owned by LendingTree) that distributes consumer leads to local insurance agents across multiple product lines including Medicare and health. Competes indirectly by enabling direct-to-consumer Medicare plan shopping that bypasses traditional agent advisory relationships.
- Benefytt Technologies: Health insurance comparison platform (parent of HealthInsurance.com) selling Medicare, ACA, and short-term health plans from multiple carriers via licensed agents and online enrollment. Competes directly for the same senior and under-65 customer segments on a multi-carrier commission basis.
- SelectQuote: Public insurance distribution company specializing in Medicare Advantage and term life insurance products. Operates a comparable commission-based model distributing multiple carriers' Medicare plans to seniors, though at much greater scale and via a tech-enabled contact center rather than local community presence.
- EverQuote: Online insurance marketplace connecting consumers with insurance agents and carriers across multiple lines including Medicare, auto, and home. Operates in the same multi-carrier distribution ecosystem for Medicare products, providing lead generation to competing independent agents like Citizens Insurance Solutions.
Broad incumbents
- Integrity Marketing Group: Large insurance distribution platform acquiring independent insurance agencies and marketing organizations across life, health, Medicare, and other lines. Represents the scaled, PE-backed version of the multi-carrier independent agency model that Citizens Insurance Solutions operates, with similar product breadth but vastly greater resources.
- Aetna (CVS Health): One of the major Medicare Advantage carriers Citizens Insurance Solutions represents (among 150+). Aetna operates at carrier scale but is a competitor in customer acquisition — its direct-to-consumer Medicare marketing channels compete with the agency's local advisory model for the same Tennessee Medicare beneficiaries.
Others
- Medicare.gov: Official government Medicare resource for plan comparison and enrollment. Not a direct commercial competitor but is referenced by Citizens Insurance Solutions on its own website; the rise of government-supported self-service tools structurally threatens the local advisory value proposition over time as seniors become more comfortable with self-enrollment.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Citizens Insurance Solutions social profiles
Digital presenceCitizens Insurance Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Citizens Insurance Solutions leadership team
Management profileNumber of profiles
Profiles9 records
Citizens Insurance Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Citizens Insurance Solutions 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 Citizens Insurance Solutions
What does Citizens Insurance Solutions do?
Citizens Insurance Solutions is a licensed independent insurance agency that provides personalized advisory and enrollment services for Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D prescription drug plans, ACA/Obamacare health insurance, dental, vision, hearing, life, burial, cancer, long-term care, disability, and travel insurance products. The agency represents over 150 insurance carriers and delivers its services through free consultations provided by phone, video conference (Zoom), and in-person meetings at its Loudon, Tennessee headquarters.
Is Citizens Insurance Solutions a public or private company?
Citizens Insurance Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Citizens Insurance Solutions founded?
Citizens Insurance Solutions was founded in 2019. It employs 1 to 10 people.
Where is Citizens Insurance Solutions based?
Citizens Insurance Solutions is headquartered in Loudon, United States, in the North America region.
How does Citizens Insurance Solutions make money?
One revenue line is on record: insurance Commissions.
Who are Citizens Insurance Solutions's main competitors?
Direct peers on record are eHealth, Senior Market Sales, GoHealth, QuoteWizard, Benefytt Technologies, SelectQuote and EverQuote. Broad incumbents are Integrity Marketing Group and Aetna (CVS Health). Medicare.gov is listed as an others.
Does Citizens Insurance Solutions have an API?
No public API is recorded for Citizens Insurance Solutions.
What industry is Citizens Insurance Solutions in?
Citizens Insurance Solutions's product category is Insurance Brokerage (Medicare & Health). Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIAGAA, Medicare Advantage (MA) Plans. Its NAICS code is 62 and its SIC code is 6411.