Health-Life-Dental-Insurance.com

What Health-Life-Dental-Insurance.com does

Health-Life-Dental-Insurance.com, operating as Deschenes Financial Services, Inc., is a multi-carrier insurance agency headquartered in San Antonio, Texas, founded in 1989 by Mark Deschenes. The agency represents multiple AAA-rated insurance carriers and sells health, life, and dental insurance to individuals, families, and small businesses, with additional emphasis on short-term medical plans and supplemental products (critical illness, accident, living benefits, hospital recovery, OOP gap coverage) assembled under its proprietary 'Real Life Protection Pyramid' and 'Pyramid of Protection' bundled frameworks. Marketing focuses on serving consumers in Texas and the Southeast who seek alternatives to ACA plans and personalized concierge-level guidance through complex coverage decisions.

The business runs on a commission-based professional services revenue model tied to carrier appointments. Distribution is direct: inbound phone sales (210-696-7900), a website-based online quote tool, and Google Calendar appointment scheduling, supplemented by SEO-oriented blog content. The agency also offers Medicare planning, long-term care advisory, self-funded group plan structuring for small employers, and a Texas Legal partnership bundling legal services coverage. There is no proprietary technology platform; the offering is the agent's expertise and curated carrier portfolio rather than software.

Scale metrics disclosed by the firm include approximately 11-50 employees, 7+ named staff, 18,742 cumulative clients served, 35,206 cumulative policies handled, 0 BBB complaints, and BBB Accreditation since 2012. The company is founder-owned and managed with family involvement in operations, has no disclosed funding, no M&A activity, and no patents. Phoenix Life ceased accepting new living benefits applications, requiring transitions to alternative carriers such as Transamerica.

Name

Health-Life-Dental-Insurance.com

Legal name

Deschenes Financial Services, Inc.

Website

https://health-life-dental-insurance.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Health-Life-Dental-Insurance.com is a San Antonio-based multi-carrier insurance agency, founded in 1989, selling health, life, dental, and supplemental coverage to individuals, families, and small businesses across Texas and the Southeast.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Dental Insurance (FSAIAHAA)

akta.pro secondary industries

Worksite Dental Insurance (FSAIAMAG), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ), Individual & Family Dental Plans (Exchange/Off-Exchange) (HLAEABAE)

Keywords

• Health insurance brokerage
• Life insurance agency
• Dental insurance coverage
• Supplemental health plans
• Multi-carrier insurance

Headquarters

HQ city

San Antonio

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, Technology or R&D

Revenue model

1. Insurance Commission Revenue: Multi-carrier insurance agency earning commissions from selling health, life, and dental insurance products from multiple carriers. Agents tailor-make benefit packages from a wide selection of AAA-rated providers based on individual client needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Health-Life-Dental-Insurance.com is a multi-carrier insurance agency operating as Deschenes Financial Services, Inc., founded in 1989 in San Antonio, Texas. The agency brokers health, life, and dental insurance products on behalf of individual consumers and small businesses by placing coverage with multiple insurance carriers rather than underwriting policies itself. Its primary service is advisory-based policy placement across multiple carriers in the supplemental and personal lines segment.

Product overview

Health-Life-Dental-Insurance.com is a multi-carrier insurance agency offering a comprehensive portfolio of insurance products and planning services. The core offerings include Health Insurance, Life Insurance, and Dental Insurance, which can be purchased individually or bundled. The company specializes in alternative coverage solutions to ACA plans, centered around the 'Real Life Protection Pyramid' and 'Pyramid of Protection' strategies that combine short-term medical plans with supplemental policies (critical illness, accident, hospital recovery, living benefits) to create comprehensive, cost-effective protection. Additional services include Medicare planning, long-term care considerations, and self-funded group plans for employers. The agency works with multiple AAA-rated insurance carriers to match products to individual client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Placement Multi-carrier health insurance brokerage service placing individual and group health insurance policies with partner carriers. Targeted at U.S. consumers and small businesses seeking health coverage.
• Life Insurance Placement Multi-carrier life insurance brokerage service for individuals and families seeking term or permanent life coverage through partner carriers.
• Dental Insurance Placement Multi-carrier dental insurance brokerage service placing individual and group dental coverage through partner carriers, for consumers and small businesses seeking supplemental dental benefits.

Quantifiable outcome

• 30+ years of experience
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• AAA-Rated Insurance ProviderscoreOthersMulti-carrier agency appointed with several AAA-rated insurance carriers to find the best combination of products for clients. Providers offer short-term medical, supplemental policies, and traditional health/life/dental coverage.
• Short-Term Medical Carriers (Companion Life, Golden Rule, National Health Insurance)coreOthersCarriers offering short-term limited-duration health insurance plans, including Companion Life Insurance, First Chicago Insurance, Golden Rule Insurance, National Health Insurance, and United States Fire Insurance. Three of these carriers (Companion Life, National Health Insurance, Golden Rule) are available in Texas.
• Phoenix Life (formerly)minorOthersPhoenix Life was a life insurance provider offering living benefits policies. The company announced it will no longer be accepting applications for new policies. Existing policies continue to be honored.
• Texas LegalminorGTM or Marketing PartnerPartnership providing legal coverage options to clients through Texas Legal organization for Texas residents.
• TransamericaminorOthersLife insurance provider mentioned as option for clients to transition to after Phoenix Life policies, requiring physical examination for coverage.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GoHealth: GoHealth is a Medicare-focused health insurance marketplace operating a tech-enabled agent platform. Compares to HLD's Medicare planning service line and multi-carrier distribution, but focused almost exclusively on Medicare Advantage and Supplement products.
• eHealth: eHealth is an online health insurance marketplace and brokerage selling individual, family, Medicare, and small-business health plans from multiple carriers. Directly competes with HLD's health and dental distribution model, with a stronger proprietary technology platform and national reach.
• SmartFinancial Insurance: SmartFinancial is a digital insurance agency comparing auto, home, life, and health quotes from multiple carriers. Compares to HLD as a multi-carrier online insurance agency with a quote-comparison front end and human agent back end, though HLD specializes in health/life/dental versus SmartFinancial's auto/home breadth.
• SelectQuote: SelectQuote is a multi-carrier direct-to-consumer insurance agency selling term life, senior health, auto/home, and supplemental products via phone and online channels. Highly comparable business model to HLD's multi-carrier 'mix and match' agency approach, though SelectQuote operates nationally at much greater scale post-IPO.
• HealthMarkets: HealthMarkets is a multi-carrier insurance agency selling individual, family, Medicare, and small-business health insurance from hundreds of carriers. Closely comparable business model to HLD's multi-carrier agency approach with similar supplemental and product-bundling strategies.

Broad incumbents

• Assurant: Assurant is a major insurance carrier and benefits administrator offering supplemental health, accident, and lifestyle protection products. Comparable to HLD as a carrier partner (HLD sells Assurant accident products) and as an adjacent industry participant in the supplemental insurance value chain.
• Insurance.com: Insurance.com (operated by QuinStreet) is a long-running online insurance comparison marketplace distributing multiple lines including health and life. Broad incumbent in online insurance distribution with overlapping health and life product focus, but serving a national consumer base rather than HLD's regional concentration.
• Trusted Choice (Independent Insurance Agents): Trusted Choice is a national brand and network of independent insurance agents offering personal and commercial lines from multiple carriers. Comparable to HLD as a multi-carrier independent agent distribution model, but serving a much broader product and geographic footprint.

Emerging players

• Benefytt Technologies (Health Insurance Innovations): Benefytt was a technology platform and distributor of individual health insurance and supplemental products, primarily serving consumers under the ACA and STM markets. Comparable to HLD's supplemental and STM distribution focus, though Benefytt historically operated with heavier digital marketing.
• QuoteWizard (MediaAlpha): QuoteWizard, now part of MediaAlpha, is an insurance comparison platform that connects consumers with agents and carriers across multiple lines. Comparable top-of-funnel lead generation model to HLD's online quote tool, though broader in product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

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 Health-Life-Dental-Insurance.com