Gardner & Company

What Gardner & Company does

Gardner & Company is a Jacksonville-based insurance agency founded in 1974, specializing in Medicare and retirement planning for individual consumers. It has been integrated into the ACBS Insurance Services family, with corporate operations now centered at ACBS's Boca Raton, Florida headquarters (101 Plaza Real S. Ste 207). The firm is licensed to represent multiple insurance carriers and distributes a portfolio of Medicare Supplements, Medicare Advantage Plans, Prescription Drug Plans, Long-Term Care policies, Tax Deferred Fixed Annuities, Individual Insurance, and Life Insurance. It also serves adjacent beneficiary populations including disability enrollees, Medicare/Medicaid dual-eligibles, and Tricare/veterans beneficiaries.

The agency's core offering is consultative Medicare plan selection rather than a technology product. Distribution runs through a sales-led GTM: a national toll-free line (888-285-9245), website-based consultation booking, and one-on-one direct consultations (in-person or virtual). This is layered with a content-driven top-of-funnel — on-demand webinars, a video library, blog, newsletters, FAQ pages, and free downloadable guides (Navigating Medicare, Medicare 101 Booklet, Plan Checklist) — designed to convert individuals approaching Medicare eligibility, primarily those within six months of turning 65.

Revenue is generated through standard insurance agency commissions from carrier appointments on placed policies, with pricing set by carriers based on underwriting and plan selection rather than disclosed publicly. The firm is privately held with 1-10 employees, no disclosed funding history, no named enterprise customers, and no AI or proprietary technology stack. Its claimed competitive advantages are 125+ years of combined team experience in Medicare planning, a nationally recognized brand, and a personalized guidance model anchored on carrier breadth rather than technology differentiation.

Name

Gardner & Company

Legal name

ACBS Insurance Services

Website

https://gardnerandcompany.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1–10 employees

Short description

Gardner & Company is a Florida-based licensed insurance agency specializing in Medicare and retirement planning for individual seniors. It distributes Medicare Supplements, Advantage Plans, Prescription Drug Plans, Long-Term Care, annuities, and life insurance through consultative phone and website channels, and is now part of ACBS Insurance Services.

Ownership category

akta.pro rank

Product category

Medicare Insurance Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Benefits, Insurance & Long-Term Care Planning Navigation (Medicare/Medicaid/LTC) (HLADALAI)

Keywords

• Medicare planning
• Medicare supplements
• Medicare advantage
• Senior insurance
• Retirement planning

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Insurance Agency Commissions: As a licensed insurance agency, the company earns commissions from insurance carriers for placing Medicare insurance products including Medicare Supplements, Medicare Advantage Plans, Long-Term Care policies, Prescription Drug Plans, Tax Deferred Fixed Annuities, Individual Insurance, and Life Insurance. Revenue is generated through carrier relationships and policy placements rather than direct consumer fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gardner & Company is a licensed insurance agency, now part of ACBS Insurance Services, specializing in Medicare planning for seniors. The company represents multiple insurance carriers and places Medicare Supplements, Medicare Advantage Plans, Prescription Drug Plans, Long-Term Care, Tax Deferred Fixed Annuities, Individual Insurance, and Life Insurance, providing personalized consultations and tailored recommendations to individuals approaching or already enrolled in Medicare.

Product overview

Gardner & Company, now part of ACBS Insurance Services, is a licensed insurance agency specializing in Medicare planning for seniors. The company offers a portfolio of insurance and financial products including Medicare Supplements, Medicare Advantage Plans, Prescription Drug Plans, Long Term Care, Tax Deferred Fixed Annuities, Individual Insurance, and Life Insurance. The core offering is Medicare planning services supported by educational resources including the free 'Navigating Medicare: A Guide', Medicare 101 Booklet, Plan Checklist, and on-demand webinars. The company targets individuals approaching Medicare eligibility (particularly those within six months of turning 65) and those already enrolled in Medicare, providing personalized guidance and expert advice with over 125 years of combined experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplements Supplemental insurance coverage that fills the gaps in Original Medicare, helping beneficiaries cover out-of-pocket costs such as deductibles, copayments, and coinsurance. Targeted at Medicare-eligible individuals.
• Medicare Advantage Plans All-in-one Medicare alternative plans that often include prescription drug coverage, vision, hearing, and dental benefits. Marketed to Medicare-eligible individuals seeking consolidated coverage.
• Prescription Drug Plans Medicare Part D coverage plans that ensure access to necessary medications, tailored to the specific prescription needs of Medicare beneficiaries.
• Long-Term Care Insurance Coverage providing financial support for extended care needs including nursing home care, assisted living, and in-home care services, designed to give Medicare beneficiaries and retirees peace of mind.
• Tax-Deferred Fixed Annuities Retirement investment products that provide stable, tax-deferred growth on investments for retirement planning purposes.
• Individual Insurance Customized insurance plans that provide coverage tailored to individual personal needs and circumstances.
• Life Insurance Protection plans that secure the financial future of loved ones, providing death benefits and cash value accumulation.

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

One partnership is on record.

• Insurance Carriers We RepresentcoreChannel Partner/ Reseller/ DistributorThe company operates as a licensed insurance agency representing multiple insurance carriers for Medicare products including Medicare Supplements, Advantage Plans, Long-Term Care, Prescription Drug Plans, and related insurance products. The carriers represented are not individually named in the source material but are referenced as a key partnership category.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• SelectQuote: Publicly traded senior-focused insurance brokerage that distributes Medicare Supplement, Medicare Advantage, and life insurance products through call-center and digital channels. Highly comparable to Gardner & Company in core Medicare distribution model, though SelectQuote operates at substantially greater scale.
• e-TeleQuote (Medicare.com): Independent Medicare brokerage and lead-generation platform specializing in Medicare Supplement and Advantage plans via phone-based consultative sales. Closely mirrors Gardner & Company's sales-led, education-driven Medicare brokerage model.
• GoHealth: Health insurance marketplace with a major Medicare-focused distribution arm (GoHealth Medicare) operating a tech-enabled, agent-assisted enrollment model. Direct competitor for the same Medicare-eligible consumer.
• HealthPlanOne: Independent health insurance brokerage with a Medicare-specialized division offering Supplement, Advantage, and Part D plans via phone and online. Direct overlap on Medicare brokerage services for the same senior demographic.

Emerging players

• Chapter: Digital-first Medicare advisory and brokerage that uses technology to recommend and enroll members in Medicare Advantage and Supplement plans. Comparable product/customer overlap but with a stronger digital tooling orientation than Gardner & Company.

Broad incumbents

• Humana: Largest Medicare Advantage carrier with significant direct-to-consumer enrollment capabilities. Represents the carrier side of the same Medicare value chain and a key distribution partner and competitive threat to independent agencies like Gardner & Company.
• UnitedHealthcare (AARP Medicare): Largest Medicare Advantage and Supplement carrier in the U.S., with co-branded AARP plans and aggressive direct enrollment. Operates broadly across the Medicare value chain and competes for the same enrollee Gardner & Company targets.
• Mutual of Omaha: Major carrier and leading Medicare Supplement provider that also distributes LTC and life insurance. Comparable in product breadth (Supplement, LTC, life, annuities) and operates both carrier and brokerage-style sales models.
• Cigna Group: Diversified health insurer with Medicare Advantage, Supplement, and Part D offerings alongside broader employer health products. Adjacent incumbent whose Medicare products compete for placement via Gardner & Company-style brokers.
• BlueCross BlueShield (e.g., Florida Blue): Regionally dominant carrier with strong Medicare Supplement and Advantage footprints in Florida (Gardner & Company's home state). Represents a key carrier relationship opportunity and direct competitive alternative for the same Medicare-eligible prospects.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Gardner & Company