SureBridge Supplemental Insurance
SureBridge Supplemental Insurance is a UnitedHealthcare-owned brand underwritten by The Chesapeake Life Insurance Company, offering individual and family supplemental health coverage — including accident, critical illness, hospital indemnity, dental, vision, term life, and short-term medical products — distributed nationwide via D2C and broker channels.
- Company typePrivate
- Founded2011
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What SureBridge Supplemental Insurance does
SureBridge Supplemental Insurance is a brand of individual and family supplemental health insurance products underwritten by The Chesapeake Life Insurance Company, a wholly-owned subsidiary of UnitedHealth Group's UnitedHealthcare division (NYSE: UNH). Founded in 2011 and headquartered in Salt Lake City with operational ties to UnitedHealthcare's Minneapolis headquarters, the brand was officially rebranded to the UnitedHealthcare name in 2024. The company sells a portfolio of twelve products spanning core medical coverage (TriTerm Medical, Short-Term Health, ACA, Medicare) and a broad supplemental suite (Accident, Critical Illness, Hospital Indemnity, Dental, Vision, Term Life, SafeTrip Travel), plus telehealth and discount adjacencies. Products are medically underwritten and priced via individual quotes with recurring monthly premiums, subject to state-by-state regulatory variation across all 50 states plus the District of Columbia.
The business operates a hybrid distribution model combining direct-to-consumer self-service via the shop.uhone.com website, licensed phone-based agents (1-800-273-8115), and a contracted broker/agent network with a dedicated producer portal (suppsportal.com). Underlying technology consists of a digital insurance platform featuring a member portal (UHCMemberHub.com), provider search tool, product finder, and state-specific plan shopping; the platform operates within UnitedHealthcare's broader technology infrastructure but does not publicly disclose proprietary AI or advanced analytics features. Revenue mechanics are subscription-based recurring premiums from individual policyholders, with the horizontal customer segmentation approach targeting U.S. consumers seeking to fill coverage gaps in their primary health insurance, including those between major medical plans, Medicare-eligible individuals, and families seeking additional financial protection against medical, accident, critical illness, dental, vision, and life-related costs.
SureBridge Supplemental Insurance firmographics
Firmographics- Name
- SureBridge Supplemental Insurance
- Legal name
- The Chesapeake Life Insurance Company
- Website
- https://surebridgeinsurance.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SureBridge Supplemental Insurance is a UnitedHealthcare-owned brand underwritten by The Chesapeake Life Insurance Company, offering individual and family supplemental health coverage — including accident, critical illness, hospital indemnity, dental, vision, term life, and short-term medical products — distributed nationwide via D2C and broker channels.
- Ownership category
- akta.pro rank
SureBridge Supplemental Insurance industry classification
Industry- Product category
- Supplemental Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industries
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Standalone Hospital Indemnity Insurance (FSAIAKAB), Standalone Critical Illness Insurance (FSAIAKAA)
Keywords
Where SureBridge Supplemental Insurance is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
SureBridge Supplemental Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Supplemental Insurance Premiums: Collection of recurring premiums from policyholders for supplemental insurance coverage including accident, critical illness, hospital indemnity, dental, vision, and term life insurance.
- Short-Term Medical Insurance: Short-term and tri-term medical insurance products with medically underwritten coverage subject to preexisting condition limitations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Quote-based pricing - individual plans customized to applicant health status, age, and location |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
SureBridge Supplemental Insurance product offering
Product offeringCore offering
SureBridge Supplemental Insurance sells a suite of supplemental and individual health insurance products including accident insurance, critical illness insurance, hospital indemnity, dental, vision, term life, fixed-benefit health insurance, short-term medical, and TriTerm medical insurance. Products are underwritten by The Chesapeake Life Insurance Company (a UnitedHealthcare subsidiary) and are designed to complement primary health insurance by providing fixed benefit payments for covered events and filling coverage gaps for individual consumers and families.
Product overview
SureBridge Supplemental Insurance (now The Chesapeake Life Insurance Company, a UnitedHealthcare company) operates as a platform-plus-modules architecture offering a comprehensive portfolio of health and supplemental insurance products. The core offerings include major medical coverage (TriTerm Medical, Short Term Health, ACA, and Medicare plans) supplemented by a suite of focused supplemental products (Accident, Critical Illness, Hospital Indemnity, Dental, Vision, Term Life, and Travel Insurance). Following the 2024 rebrand to UnitedHealthcare branding, the product portfolio has been consolidated under the UnitedHealthcare family, with administrative services provided by United HealthCare Services, Inc. and products underwritten by Golden Rule Insurance Company, Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, and UnitedHealthcare Insurance Company.
Differentiator
Problem solved
Functional benefit
Products and services
- TriTerm Medical Insurance
Companies that use SureBridge Supplemental Insurance
Customer profileSegments1 record
Ideal customer profiles1 record
SureBridge Supplemental Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
SureBridge Supplemental Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Golden Rule Insurance CompanyminorSister company under UnitedHealthcare. Customers may be referred to Golden Rule for other supplemental insurance options. Both are UnitedHealthcare family companies.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
SureBridge Supplemental Insurance competitors and assessment
Company assessmentDirect peers
- MetLife Supplemental Insurance: Offers accident, critical illness, hospital indemnity, and other supplemental products through employer and direct channels. Closely comparable product suite and target market (individuals/families seeking gap coverage).
- Combined Insurance (Chubb): Supplemental insurance carrier (acquired by Chubb) offering accident, critical illness, hospital indemnity, and life products via captive agents. Comparable supplemental product suite and individual customer base.
- Voya Financial: Provides voluntary/worksite supplemental health (critical illness, accident, hospital indemnity) and individual life insurance through employer and direct channels. Comparable voluntary benefits focus and product design.
- Allstate Benefits: Allstate's voluntary benefits division sells accident, critical illness, hospital indemnity, disability, and life insurance primarily through employer/worksite channels. Highly comparable voluntary supplemental positioning.
- Cigna Supplemental Health: Cigna Individual Supplemental Health provides accident, critical illness, hospital care, and cancer insurance directly to consumers. Comparable direct-to-consumer motion and supplemental product lineup.
- Aflac: Largest U.S. provider of supplemental insurance (accident, critical illness, hospital indemnity, dental, vision, life) sold primarily through employer/worksite payroll-deduction channels. Directly comparable on product mix and individual/family supplemental focus.
- Unum Group: Major provider of supplemental health (accident, critical illness, hospital indemnity) and disability/life products to individuals and employer groups. Directly comparable on supplemental benefits portfolio.
Broad incumbents
- Humana: Major U.S. health insurer with Medicare Advantage leadership and growing supplemental/individual product offerings. Overlaps with the unit on ACA, Medicare, and supplemental products from a much larger diversified base.
- Blue Cross Blue Shield (individual market plans): BCBS plans offer individual ACA, Medicare Supplement, and in some cases supplemental products across all 50 states — directly overlapping with the unit's major medical and supplemental footprint.
Emerging players
- ManhattanLife: Niche individual supplemental carrier offering accident, cancer, hospital indemnity, and Medicare Supplement plans via direct and agent channels. Comparable individual/retail supplemental positioning, smaller scale.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
SureBridge Supplemental Insurance social profiles
Digital presenceSureBridge Supplemental Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
SureBridge Supplemental Insurance leadership team
Management profileNumber of profiles
Profiles1 record
SureBridge Supplemental Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SureBridge Supplemental Insurance 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 SureBridge Supplemental Insurance
What does SureBridge Supplemental Insurance do?
SureBridge Supplemental Insurance sells a suite of supplemental and individual health insurance products including accident insurance, critical illness insurance, hospital indemnity, dental, vision, term life, fixed-benefit health insurance, short-term medical, and TriTerm medical insurance. Products are underwritten by The Chesapeake Life Insurance Company (a UnitedHealthcare subsidiary) and are designed to complement primary health insurance by providing fixed benefit payments for covered events and filling coverage gaps for individual consumers and families.
Is SureBridge Supplemental Insurance a public or private company?
SureBridge Supplemental Insurance is a private company. It is classified as corporate owned and is currently operating.
When was SureBridge Supplemental Insurance founded?
SureBridge Supplemental Insurance was founded in 2011. It employs 11 to 50 people.
Where is SureBridge Supplemental Insurance based?
SureBridge Supplemental Insurance is headquartered in Salt Lake City, United States, in the North America region.
How does SureBridge Supplemental Insurance make money?
Two revenue lines are on record. Supplemental Insurance Premiums are the primary driver. The others are short-Term Medical Insurance.
Who are SureBridge Supplemental Insurance's main competitors?
Direct peers on record are MetLife Supplemental Insurance, Combined Insurance (Chubb), Voya Financial, Allstate Benefits, Cigna Supplemental Health, Aflac and Unum Group. Broad incumbents are Humana and Blue Cross Blue Shield (individual market plans). ManhattanLife is listed as an emerging player.
Does SureBridge Supplemental Insurance have an API?
No public API is recorded for SureBridge Supplemental Insurance.
What industry is SureBridge Supplemental Insurance in?
SureBridge Supplemental Insurance's product category is Supplemental Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 524114 and its SIC code is 6321.