Graveline Financial

What Graveline Financial does

Graveline Financial Inc. is a family-owned and operated independent insurance brokerage firm headquartered at 1243 E. Spruce Ave., Suite 105, Fresno, California. The firm operates as a one-stop insurance agency quoting every plan from every available carrier annually across group health, dental, vision, long-term care, disability, life insurance, GAP plans, workers compensation, and general liability for employers and organizations, while also placing individual, family, and senior (Medicare Advantage, Supplements, Prescription Drug Plans) coverage for consumers. It describes 60+ years of combined team experience and partners with 20+ carriers including Aetna, Anthem, Blue Shield, Cigna, Delta Dental, Kaiser, MetLife, and United Healthcare.

The company's platform combines traditional brokerage services with proprietary adjacencies: an exclusive California arrangement with Morgan White Group to offer Premium Saver GAP coinsurance (the only such offering in California, reducing group out-of-pocket maximums to as low as zero), a Claims Concierge service launched in 2012 providing 24/7 live coordination of claims, prescriptions, and authorizations, ACA and ERISA compliance assistance, on-site benefits fairs with free flu shot clinics, and the Ease Central third-party enrollment platform. The team is small, consisting of Pete Graveline (President), Edward P. Graveline (Vice President), Christina Moreno (Sr. Account Manager), and Natasha Stockdale (Assistant Account Manager), with direct mobile numbers published for principals.

Graveline Financial generates revenue through commission payments from insurance carriers on premiums placed, with no subscription or fee-based pricing disclosed. Distribution is consultative and relationship-driven: direct sales outreach to employers for group benefits with on-site enrollment, phone and email-based sales for individuals and seniors, and in-person benefits fairs during open enrollment. While the company states it serves clients across the United States, operational footprint is a single Fresno office, and there is no evidence of institutional investment, M&A activity, or expansion beyond the current structure.

Name

Graveline Financial

Legal name

Graveline Financial Inc.

Website

https://gravelinefinancial.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Graveline Financial Inc. is a family-owned independent insurance brokerage in Fresno, California, quoting every plan from 20+ carriers annually for employers, individuals, families, and seniors across the United States. Revenue comes from carrier commissions on group health, dental, vision, life, Medicare, and ancillary coverage.

Ownership category

akta.pro rank

Headquarters

HQ city

Fresno

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, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: Earn commissions from insurance carriers for placing employer group health, dental, vision, life, and other insurance policies. Revenue is generated through commissions on insurance premiums placed with partnered carriers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Graveline Financial is an independent insurance brokerage that places group and individual insurance policies (health, dental, vision, life, disability, long-term care, Medicare, and GAP coverage) with partnered carriers on behalf of employers, individuals, families, and seniors. The firm quotes every plan from every available carrier annually, provides on-site enrollment, and layers on concierge claims support and compliance services.

Product overview

Graveline Financial is a full-service independent insurance agency offering a comprehensive portfolio of insurance products and administrative services. The core offering consists of group health, dental, vision, long term care, disability, and life insurance for employers and individuals. The company operates a platform-plus-services model, combining insurance brokerage with proprietary and third-party tools including the Premium Saver GAP insurance product (offered exclusively through Morgan White Group partnership), Claims Concierge service, Ease Central enrollment platform, and Benefits Fair services. Medicare solutions with dedicated advisor support represent a distinct product line for seniors. All services are delivered through Graveline Financial's licensed team based in Fresno, California.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Health Insurance Brokerage Brokerage service placing employer-sponsored group health insurance plans with multiple carriers, including plan selection, quoting, and annual renewal evaluations. For employers and organizations of all sizes.
• Dental & Vision Insurance Dental and vision insurance policies for employers and individuals, with access to provider networks including Delta Dental, EyeMed, VSP, Superior Vision, MetLife, and Guardian.
• Long Term Care Insurance Long term care insurance coverage for individuals and as part of employer benefit packages, providing protection against extended care costs.
• Disability Insurance Disability insurance coverage for employers and organizations to protect employees' income in the event of short- or long-term disability.
• Life Insurance & GAP Plans Life insurance policies with Living Benefit riders for individuals and families, plus GAP insurance plans that cover deductibles for employer groups.
• Workers Compensation and General Liability Workers compensation and general liability commercial lines coverage for businesses, allowing employers to consolidate coverage under one umbrella with a single broker.
• Medicare Solutions Medicare Advantage, Medicare Supplements, and Prescription Drug Plans for Medicare-eligible seniors, with dedicated certified Medicare advisor consultation. Also includes Long Term Care options.
• Premium Saver (GAP Insurance) Low-cost coinsurance supplemental gap coverage offered exclusively through Morgan White Group partnership, reducing out-of-pocket maximums to as low as zero. Graveline Financial is the only broker in California offering this product.
• Claims Concierge 24/7 live claims coordination service for employees, handling prescription refills and medical authorizations between insurance companies and providers. Launched in 2012.
• Ease Central Enrollment Platform Online web-based enrollment and reporting platform for employers to manage employee benefit elections and reporting.
• Benefits Fair Services Health & Wellness Benefit Fairs for open enrollment with carrier representatives, plus free on-site flu shot clinics (August–October, minimum 25 participants), corporate chair massage, and family activities.
• ACA Compliance Services Affordable Care Act analysis, employer exchange notices, Play or Pay Guidelines support, Summary of Benefits and Coverage (SBC) employer requirements, and FTE calculator assistance.
• ERISA Compliance Services ERISA compliant Summary Plan Descriptions (SPDs) with data gathering and preparation, plus discounted pricing through ERISA Compliance Services.

Quantifiable outcome

• Out-of-pocket maximum can be reduced to as low as zero through GAP coverage

Segments3 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.

• Morgan White GroupcoreStrategic or Co-development PartnerGraveline Financial has partnered with Morgan White Group to offer Premium Saver GAP insurance, the only such product available in California. This coinsurance coverage helps reduce employee out-of-pocket maximums to as low as zero, providing low-cost supplemental coverage to employers.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Gusto: PEO and HR/payroll platform that bundles benefits brokerage (medical, dental, vision) with payroll, HRIS, and compliance for SMBs. Represents an emerging competitive threat to traditional independent brokers like Graveline by offering integrated software plus benefits.
• Zenefits: Cloud-based HR platform with integrated benefits administration and brokerage for SMBs. Comparable overlap with Graveline's employer group benefits practice via a software-first, self-service model.

Direct peers

• Burnham Benefits Insurance Services: California-headquartered employee benefits brokerage and consulting firm serving mid-market and large employers. Direct overlap with Graveline's employer group health, dental, vision, and life practice, plus compliance consulting.
• Holmes Murphy: Independent brokerage offering employee benefits, commercial insurance, and risk management with a relationship-led model. Similar GTM motion to Graveline (consultative, employer-facing) but operating across multiple states.
• Heffernan Insurance Brokers: California-based, employee benefits-focused independent brokerage with personal and commercial lines. Highly comparable to Graveline in geographic base, benefits specialization, and family/independently operated character, though larger.
• Woodruff-Sawyer & Co. Independent brokerage focused on commercial and personal insurance with employee benefits practices. Comparable as a mid-size, privately held, advisory-driven brokerage.
• OneDigital: One of the largest U.S. independent employee benefits and insurance brokerages, offering group health, dental, vision, life, disability, and retirement with employer-focused advisory. Comparable to Graveline in core product mix (group benefits, individual, Medicare-adjacent) but operates at vastly greater scale and geographic reach.

Broad incumbents

• Brown & Brown: Public insurance brokerage with broad employee benefits, P&C, and personal lines practices. Competes for the same employer and individual clients Graveline serves, but at much larger scale.
• Acrisure: Tech-enabled, rapidly consolidating global insurance brokerage with significant employee benefits and wealth management lines. Represents the scaled, technology-forward version of the brokerage model Graveline operates.
• NFP (an Aon company): Large U.S. middle-market insurance brokerage and consulting firm with strong employee benefits, P&C, and individual practices. Overlaps with Graveline's full product suite but with national footprint and institutional backing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Graveline Financial