Dergalis Associates

What Dergalis Associates does

Dergalis Associates is a privately held financial services and benefits administration firm founded in 2002 and headquartered in Cherry Hill, New Jersey. Operating under the Agent Benefits Program, the firm delivers insurance, retirement, and tax-savings products through a network of licensed financial professionals to a single target customer: independent real estate agents and contractors. Its product portfolio is organized into three categories — Protect Your Income (tax savings, life and disability insurance, long-term care), Protect Your Health (group dental and vision, plus a healthcare/Medicare navigation link), and Protect Your Future (retirement savings, 401(k) rollover, investment strategies, college savings) — with both individual and Guaranteed-Issue group variants available during defined enrollment windows.

The firm does not manufacture insurance or investment products. It distributes third-party carrier and securities products through long-standing affiliations with Equitable Advisors, LLC (for securities and investment advisory products, member FINRA/SIPC) and Equitable Network, LLC (for annuity and insurance products), with LPL Financial serving as the clearing broker/dealer and operating the Insured Cash Account (ICA) sweep used by the tax savings plan. The differentiating mechanism is the Automatic Contribution Program, which ties retirement and tax savings contributions directly to commission checks, addressing the irregular income pattern characteristic of 1099 real estate professionals.

The revenue model is commission-based across insurance and financial product sales, supplemented by recurring asset-based fees on retirement and investment products. Go-to-market is sales-led: licensed financial professionals conduct scheduled, consultative sales calls supported by a website (agentbenefits.net), direct outreach, and a referral channel embedded within real estate brokerage partnerships. Pricing is not publicly disclosed; products are customized per individual, and a complimentary financial needs analysis is offered as a lead-generation tool.

Name

Dergalis Associates

Legal name

Dergalis Associates

Website

https://agentbenefits.net

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Dergalis Associates is a Cherry Hill, NJ-based, privately held benefits and financial services firm that distributes insurance, retirement, and tax-savings products through licensed financial professionals serving independent real estate agents. Products are sourced through Equitable Advisors, Equitable Network, and LPL Financial affiliations.

Ownership category

akta.pro rank

Product category

Insurance and Financial Advisory Services

NAICS

Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251), Pension Funds (525110)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Benefits Administration & Enrollment Support (BPAAAIAB)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Insurance brokerage services
• Financial planning services
• Retirement planning solutions
• Employee benefits administration
• Insurance and annuities

Headquarters

HQ city

Cherry Hill

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

Revenue model

1. Insurance and Financial Product Commissions: Dergalis Associates generates revenue through commissions on insurance products (life, disability, long-term care, vision, dental) and financial products (retirement plans, investment strategies, tax savings plans) offered through their network of financial professionals. The company is affiliated with Equitable Advisors, LLC and Equitable Network, LLC for securities and insurance product distribution.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Dergalis Associates provides benefits administration and financial advisory services through a network of licensed financial professionals, offering insurance products (life, disability, long-term care, dental, vision), retirement savings plans, investment strategies, and tax savings solutions. The firm operates as the "Dergalis Associates Agent Benefits Program," distributing its offerings through affiliations with Equitable Advisors, LLC and Equitable Network, LLC.

Product overview

Dergalis Associates is a benefits administration company offering a comprehensive suite of insurance and financial services products through an Agent Benefits Program. The portfolio includes three core categories: income protection products (Tax Savings Plan, Individual and Group Life Insurance, Individual and Group Disability Income Insurance, and Long-Term Care Insurance), health coverage (Group Dental and Vision Insurance), and future planning services (Retirement Savings Plan with Automatic Contribution Program, 401(k) Rollover, Investment Strategies, and College Savings Plan). The company primarily serves real estate professionals, offering both individual customizable products and group plans with Guaranteed-Issue enrollment options during specified periods.

Differentiator

Problem solved

Functional benefit

Products and services

• Tax Savings Plan A tax savings plan via the Automatic Contribution Program, featuring a money market account with competitive interest rates, designed to help spread tax payment obligations throughout the year with unlimited checkwriting.
• Individual Life Insurance Customizable life insurance providing coverage for specified periods (term) or lifetime protection (permanent), offering multiple plans, features, riders, and payment options to help families cover loss of income, pay debts, and fund education.
• Group Life Insurance Term life insurance offered at group rates, available as Guaranteed-Issue for new associates without medical underwriting, with more affordable premiums than individual permanent policies.
• Individual Disability Income Insurance Customizable disability income insurance providing short-term and long-term coverage options that pay benefits when policyholders cannot work, with multiple plans, optional features, riders, and higher benefit amounts.
• Group Disability Income Insurance Group disability income insurance available Guaranteed-Issue during the 30-day New Associate Election Period, offering coverage at lower rates than individual policies though without customization options.
• Long-Term Care Insurance Insurance covering costs of home health aides and nursing homes, designed to help preserve financial independence, protect assets, and provide access to quality care without burdening family members.
• Group Dental Insurance Group dental insurance available Guaranteed-Issue during the 30-day New Associate Election Period, company-wide open enrollment, and Qualifying Life Events without medical underwriting requirements.
• Group Vision Insurance Group vision insurance and discount plans available Guaranteed-Issue during the 30-day New Associate Election Period, company-wide open enrollment, and Qualifying Life Events.
• Retirement Savings Plan Retirement savings through the Automatic Contribution Program that saves money only when commission checks are earned, featuring structured programs, customized financial vehicles, IRA, SEP and Uni-401(k) plans, and Defined Benefit Plans.
• Rollover from Previous Employer Plan 401(k) rollover service guiding clients through the rollover process, helping consolidate portfolios and adjust investment options with options for future contributions through the Automatic Contribution Program.
• Investment Strategies Complimentary financial needs analysis service to establish or review investment strategies, provided as a benefit to agents of real estate partners with no commitment required.
• College Savings Plan Flexible savings accounts designed for college education funding, with financial professionals guiding families through investment strategies tailored to their needs.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and supporting.

• Equitable Advisors, LLCcoreChannel Partner/ Reseller/ DistributorDergalis Associates financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. The firm also offers investment advisory products and services through this SEC-registered investment advisor. Equitable Financial Advisors brand is used in MI & TN.
• Equitable Network, LLCcoreChannel Partner/ Reseller/ DistributorFinancial professionals offer annuity and insurance products through Equitable Network, LLC, which operates as Equitable Network Insurance Agency of California, LLC in CA, Equitable Network Insurance Agency of Utah, LLC in UT, and Equitable Network of Puerto Rico, Inc. in Puerto Rico.
• LPL FinancialsupportingTechnology or IntegrationLPL Financial serves as the clearing broker/dealer for brokerage accounts. Equitable Advisors, LLC serves as the introducing broker/dealer. The LPL Insured Cash Account (ICA) program is used for FDIC-insured, interest-bearing, automated cash sweep services for the tax savings plan.

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• MetLife: Global insurance and employee benefits company offering group dental, vision, life, disability, and retirement products — many of the same lines Dergalis distributes — through employer and broker channels, far larger scale and broader footprint.
• Hub International: Large North American insurance brokerage placing group and individual benefits for niche industries and professions. Comparable in delivering benefits administration to specialized professional client bases, but operating at brokerage scale rather than as a single-carrier-aligned advisor practice.
• Transamerica: National insurance and retirement provider distributing life, disability, retirement, and investment products through financial professionals. Comparable as both a potential product carrier and as an adjacent distributor of similar protection and retirement benefits.
• MassMutual: Mutual insurer and financial services firm with affiliated financial professionals selling life, disability, retirement, and investment products. Comparable in product breadth and career-agent distribution model.
• Principal Financial Group: Provides retirement, investment, life, disability, and group benefits products distributed through financial professionals and employer channels. Comparable in the retirement and group benefits components of Dergalis's suite, with much greater scale and corporate-channel reach.
• Lincoln Financial Group: Insurance and retirement provider with a national advisor network distributing life, annuity, group benefits, and retirement plan products. Overlapping with Dergalis's protection and retirement offerings and with similar commission-based financial professional channels.
• Northwestern Mutual: Mutual financial services company delivering life, disability income, long-term care, annuities, and investment products through a national field force of financial advisors. Directly comparable product suite and licensed-advisor distribution, though not vertically specialized in real estate agents.
• New York Life: Large mutual life insurer with a vast career-agent network offering life, disability, long-term care, retirement, and investment products through licensed professionals — overlapping directly with Dergalis's product categories and distribution model, but at much greater scale.
• Cetera Financial Group: Independent advisor support platform providing brokerage, advisory, and back-office infrastructure to independent financial professionals — analogous structurally to Dergalis's use of Equitable/LPL, with overlapping product distribution economics.

Others

• Equitable Advisors: The carrier and broker-dealer platform through which Dergalis distributes securities, investment advisory, annuity, and insurance products. Comparable as the regulated distribution infrastructure that anchors Dergalis's operating model and as the parent of competing affiliated financial professional practices.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/247734312283654
• LinkedInlinkedin.com/company/dergalis-associates-l.l.c.

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 Dergalis Associates