Sarasota Health and Financial Services

What Sarasota Health and Financial Services does

Sarasota Health and Financial Services, Inc. is a privately held, family-owned independent insurance agency founded in 1980 and headquartered at 2477 Stickney Point Rd., STE. 217B, Sarasota, Florida. The firm is licensed to operate only in the State of Florida and sells a broad portfolio of health, Medicare, life, and annuity products — including Medicare Supplements, Medicare Advantage, Medicare Part D, Long Term Care, Group Health/Life/Disability plans for businesses with 2 to 100 employees, ACA Marketplace plans, Short Term Health plans, and Term, Whole, and Universal Life insurance. Rather than building proprietary technology, the agency operates as a carrier-agnostic brokerage, representing 6 insurance organizations (Aetna, Humana, Mutual of Omaha, United American Insurance Company, United Healthcare, and others) that together offer 48 products, which lets the firm compare-shop on behalf of clients.

The agency's go-to-market is sales-led and relationship-driven, delivered through phone, the company website, and in-person consultations at its Sarasota office during weekday business hours. Revenue is generated almost entirely through insurance carrier commissions on first-year and renewal premiums (an affiliate/referral commission model), with most new business sourced via referrals from existing clients, friends, and other insurance agents. The leadership team consists of President and Owner Daniel Capierseho (with the firm since 1991, specializing in group health), licensed agent Heather McDaniel (since 2009, specializing in Medicare and individual insurance), and licensed agent Marianne Durow. Customer segments served include individual Medicare beneficiaries (65+, disabled, or ESRD), individuals seeking ACA-compliant or Marketplace coverage, individuals purchasing life insurance, and small-to-mid-size employer groups seeking health, life, and disability benefits. The firm also maintains community memberships and sponsorships with the Downtown Sarasota Alliance, Gulf Coast Health Underwriters, the National Association of Health Underwriters, and the Sarasota County Aging Network.

Name

Sarasota Health and Financial Services

Legal name

Sarasota Health and Financial Services, Inc.

Website

https://sarasotahealthins.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Sarasota Health and Financial Services is a family-owned, independent insurance agency founded in 1980 in Sarasota, Florida. It sells Medicare, group, ACA, life, and annuity products from multiple carriers to individuals and small-to-mid-size employers in Florida via phone, website, and in-person consultations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Independent insurance agency
• Medicare supplement plans
• Medicare Advantage plans
• Group health insurance
• Individual life insurance

Headquarters

HQ city

Sarasota

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, the company earns commissions from insurance carriers for policies sold and serviced. Commissions typically include first-year and renewal commissions based on premium volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Sarasota Health and Financial Services is an independent insurance agency that sells and services Medicare-related health insurance products (Medicare Supplements, Medicare Advantage, Medicare Part D, Long Term Care), group health insurance for businesses with 2-100 employees (medical, life, disability), and individual insurance products including ACA Marketplace plans, short-term health plans, and individual life insurance (term, whole, universal) and annuities. The agency earns commissions from multiple insurance carriers and provides personalized one-on-one guidance to match customers with appropriate coverage from carriers including Aetna, Humana, Mutual of Omaha, United Healthcare, and United American Insurance Company.

Product overview

Sarasota Health and Financial Services is a full-service independent insurance agency founded in 1980, offering a comprehensive portfolio of health and financial insurance products. The company provides Medicare-related coverage including Medicare Supplements (Medigap), Medicare Advantage Plans (Part C), and Medicare Part D Prescription Drug Plans, along with Long Term Care Insurance. For employers, they offer Group Health Plans, Group Life Insurance, and Group Disability Insurance. Individual products include Affordable Care Act (ACA) Marketplace plans, Short Term Health Plans, and Life Insurance including Term Life, Whole Life, and Universal Life policies. They also offer Annuities. The agency operates as a local independent agency representing multiple insurance carriers including Aetna, Humana, Mutual of Omaha, United Healthcare, and United American Insurance Company, allowing them to match clients with appropriate coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplements (Medigap) Medicare Supplement insurance policies sold by private insurance companies to help cover costs that Original Medicare does not cover. These are standardized plans with lettered names (e.g., Plan G) offering access to any doctor and hospital in the United States that accepts Medicare. Intended for individuals eligible for Medicare.
• Medicare Advantage (Part C) Health plan options approved by Medicare and run by private insurance companies, including HMOs, PPOs, PFFS Plans, MSA Plans, and Special Needs Plans. These plans provide all Part A and B coverage plus often include prescription drug coverage and extra benefits like vision, dental, and hearing.
• Medicare Part D (Prescription Drug Plans) Stand-alone prescription drug coverage (PDP) offered by insurance companies approved by Medicare, covering prescription medications with varying coverage levels, premiums, deductibles, and formularies across different plan options.
• Long Term Care Insurance Insurance policies that cover long-term services including assistance with Activities of Daily Living (ADLs), skilled care at home, assisted living facilities, and nursing home care. Medicare does not cover long-term care, making this a distinct coverage option.
• Group Health Plans Employer group health insurance including Medical Insurance, Self-Insured Plans, Alternate Funding Plans, GAP Insurance, Ancillary Voluntary Benefits, Section 125/FSA, HRA, HSA, and Wellness Benefits for businesses with 2 to 100 employees.
• Group Life Insurance Group life insurance offered through employer health insurance plans, typically providing two to three times annual salary in coverage with guaranteed amounts and no medical exam required for basic coverage. Includes optional Accidental Death and Dismemberment (AD&D) coverage.
• Group Disability Insurance Employer-sponsored disability insurance protecting employees from income loss due to sickness or injury, typically replacing 50-70% of income up to specified maximums such as $10,000/month, available for both short-term and long-term disabilities.
• Affordable Care Act (ACA) Plans Health insurance plans under the Affordable Care Act (Obamacare), providing coverage that cannot exclude pre-existing conditions, includes preventative care at no cost, and may qualify for federal subsidies based on household size and income.
• Health Insurance Marketplace Enrollment Assistance Enrollment assistance for the Health Insurance Marketplace (healthcare.gov), Florida's Federally Facilitated Marketplace, helping individuals and families compare and enroll in health insurance plans during Annual Enrollment (November 1 - December 15) or Special Enrollment Periods.
• Short Term Health Plans Non-ACA compliant health insurance plans for periods up to 1 day short of three years, designed for individuals and families who do not qualify for Marketplace tax credits. These plans are medically underwritten and do not cover pre-existing conditions.
• Life Insurance Individual life insurance products including Term Life (5-30 year level term) and Permanent Life insurance (Whole Life, Universal Life), providing death benefit protection, cash value accumulation, and income replacement for beneficiaries.
• Annuities Insurance products providing income for a person's lifetime or specific period, often funded using cash surrender value from life insurance policies.

Quantifiable outcome

• Serving businesses with 2 to 100 employees for group health insurance
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• AetnacoreOthersInsurance carrier represented by Sarasota Health and Financial Services for health insurance products including Medicare Advantage plans
• HumanacoreOthersInsurance carrier represented by Sarasota Health and Financial Services for Medicare and health insurance products
• Mutual of OmahacoreOthersInsurance carrier represented by Sarasota Health and Financial Services for Medicare Supplements and other insurance products
• United American Insurance CompanycoreOthersInsurance carrier represented by Sarasota Health and Financial Services for Medicare Supplements and insurance products
• United HealthcarecoreOthersInsurance carrier represented by Sarasota Health and Financial Services for Medicare Advantage and health insurance products
• Downtown Sarasota AllianceminorOthersCommunity organization where company is a member, demonstrating local community ties
• Gulf Coast Health Underwriters (GCHU)minorOthersCharter member of the Gulf Coast Health Underwriters professional association for health insurance agents
• National Association of Health Underwriters (NAHU)minorOthersMember of the National Association of Health Underwriters professional organization
• Sarasota County Aging Network (SCAN)minorOthersCorporate sponsor of SCAN, demonstrating commitment to serving the aging community

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• HealthMarkets: National independent insurance agency network/distributor selling Medicare, individual health, and group coverage across multiple states. Closely comparable to Sarasota Health and Financial Services in that both are independent, multi-carrier distribution agencies focused on health and Medicare products with a one-on-one advisory model.
• GoHealth: Medicare-focused insurance brokerage matching beneficiaries with Medicare Advantage, Supplement, and Part D plans from multiple carriers. Directly comparable in core product (Medicare plans across multiple carriers) and audience, but delivered via a centralized, technology-driven platform rather than in-person local service.
• eHealth: Online insurance marketplace offering Medicare, individual/family, and small-business health plans from multiple carriers. Comparable in product breadth (Medicare, ACA, group) and multi-carrier distribution model, but operates digitally rather than through a local Florida office.
• SelectQuote: Direct-to-consumer insurance agency specializing in senior-market products (Medicare Advantage, Medicare Supplements, life insurance). Comparable in product focus (Medicare-led, multi-carrier) but operates at national scale via a call-center/online model rather than a single local office.
• SmartFinancial: Online insurance marketplace/distributor aggregating quotes from multiple carriers across auto, home, health, and life. Comparable in multi-carrier distribution model and individual-customer focus, but operates digitally rather than through a local office.
• Goosehead Insurance: Independent insurance agency franchise distributing personal and commercial lines from multiple carriers. Comparable as an independent multi-carrier agency model, though Goosehead focuses more on P&C and is significantly larger; useful for illustrating the scale-up trajectory an independent agency can pursue.
• American Senior Benefits: Independent insurance agency franchise focused on senior-market and final-expense products across multiple states. Comparable in product emphasis (Medicare, long-term care, life) and independent-agent distribution model, with a heavier focus on the 65+ demographic.

Emerging players

• QuoteWizard (by LendingTree): Online insurance comparison and lead-generation platform connecting consumers with multiple insurance carriers and agents. Comparable as a multi-carrier distribution channel and competitive threat to local agencies, though its primary focus is P&C rather than Medicare.

Broad incumbents

• Bankers Life: National insurance agency and carrier distributing Medicare Supplement, Medicare Advantage, life, and long-term care products through captive agents. Comparable in product emphasis on Medicare and senior-market products, but operates as a national agency with carrier ownership rather than a true independent broker.
• Brown & Brown: Large publicly traded insurance brokerage headquartered in Daytona Beach, Florida, distributing commercial, employee benefits, and personal lines. Comparable geographically (Florida-based) and as an insurance broker, but operates at vastly greater scale across many product lines and geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Sarasota Health and Financial Services