GoldenCare
GoldenCare is a Plymouth, MN-based Field Marketing Organization founded in 1974 that supports independent insurance agents nationwide with long-term care, Medicare, life, annuity, and senior-focused insurance products from 11+ carriers via proprietary sales and underwriting tools.
- Company typePrivate
- Founded1974
- HeadquartersPlymouth, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What GoldenCare does
GoldenCare USA Inc. is a Plymouth, Minnesota-based Field Marketing Organization (FMO) and Brokerage General Agency founded in 1974 that recruits, contracts, and supports independent insurance agents distributing senior-focused insurance products across all 50 states. The company serves two principal agent archetypes — career agents seeking a structured sales career path and broker agents already appointed with carriers who want a broader product portfolio and back-office support — and exposes them to 113 insurance products from 11 carrier partners (Mutual of Omaha, ManhattanLife, GTL, Aetna/Continental Life, NGL, Nationwide, Thrivent, OneAmerica, Bankers Fidelity, Securian, UnitedHealthcare/AARP, Humana, Wellabe, CareScout, and others).
The core technology platform consists of an Agent Corner web portal providing self-service access to proprietary tools including InstaPIVOT (an interactive underwriting prescreen that maps prescription medications and health conditions against carrier uninsurable-medication lists), StrateCision (a quoting and comparison tool for LTC/STC/hybrid products), LTC CEO Office (a sales/closing toolkit with calculators, objection-handling scripts, and customizable presentations), the T65 Mobile App (geolocation-based prospecting for prospects turning 65), and a CSG Actuarial MarketAdvisor integration offering real-time quotes from 200 companies. Training is delivered through live webinars with CE credits and an extensive pre-recorded video library. The company is now part of the Integrity Family of Companies, with access to IntegrityCONNECT for E&O, leads, and Integrity Health Plan.
The revenue model is commission-based: GoldenCare earns transaction fees from carriers when contracted agents sell policies spanning long-term care, short-term care, home health care, Medicare Supplements, Medicare Advantage/PDP, hospital indemnity, critical illness, life insurance (term, universal, final expense), annuities, hybrid/linked-benefit products, dental/vision/hearing, accidental death, and non-insurance home-care membership plans. The firm operates with approximately 40-50 employees across sales, marketing, licensing/contracting, new business processing, commission accounting, IT/software development, and administration, generating revenue via direct carrier commission splits and override overrides on agent sales volume.
GoldenCare firmographics
Firmographics- Name
- GoldenCare
- Legal name
- GoldenCare USA Inc.
- Website
- https://goldencareagent.com
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- GoldenCare is a Plymouth, MN-based Field Marketing Organization founded in 1974 that supports independent insurance agents nationwide with long-term care, Medicare, life, annuity, and senior-focused insurance products from 11+ carriers via proprietary sales and underwriting tools.
- Ownership category
- akta.pro rank
GoldenCare industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
Keywords
Where GoldenCare is headquartered
LocationHeadquarters
- HQ city
- Plymouth
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GoldenCare business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: GoldenCare operates as a brokerage/marketing organization earning commissions from insurance carriers when agents sell policies. Commission streams come from Long-Term Care, Short-Term Care, Home Health Care, Medicare Supplements, Medicare Advantage/PDP, Life Insurance, Critical Illness, Hospital Indemnity, Annuities, and other insurance products. Commissions are processed through back-office support with direct deposit to agent bank accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Insurance Product Pricing - varies by carrier, product, and applicant profile |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
GoldenCare product offering
Product offeringCore offering
GoldenCare operates as a Field Marketing Organization (FMO) and Brokerage General Agency that contracts and supports independent insurance agents to sell senior-focused insurance products. The company provides agents access to a portfolio of 113+ products from 11+ carrier partners (long-term care, short-term care, home health care, Medicare supplements/advantage, life insurance, annuities, critical illness, hospital indemnity) along with proprietary quoting and underwriting tools, training, marketing materials, compliance support, and back-office commission processing. Revenue is earned through carrier commissions on policies placed by its contracted agent network across all 50 states.
Product overview
GoldenCare is a Field Marketing Organization (FMO) operating since 1974, offering an extensive portfolio of insurance products from multiple carrier partners. The core offering includes Long-Term Care Insurance, Short-Term Care Insurance, Stand-Alone Home Health Care Insurance, Home Care Service Plans, Medicare Supplements, Medicare Advantage/PDP, Hospital Indemnity, Critical Illness, Life Insurance (Final Expense, Term, Universal), Annuities, and Accidental Death coverage. The company supports agents with proprietary tools including StrateCision (quoting and comparison), InstaPIVOT (underwriting prescreen), LTC CEO Office (sales toolkit), Consumer Marketing Toolbox, T65 Mobile App (prospect identification), and GoldenCare Rewards. Additional services include the Decline Placement Program, Underwriting Concierge, Integrity Health Plan, and comprehensive training resources through live webinars and recorded content.
Differentiator
Problem solved
Functional benefit
Brands
- Perfect Portfolio: Hand-selected portfolio of insurance plans including traditional long-term care insurance, high-risk LTCi alternatives, and near-guaranteed issue plans.
- Contracting Made Easy
- Agent Corner
- GoldenCare Rewards
- Health & Medicare Hub
- InstaPIVOT
- StrateCision
- LTC CEO Office
Products and services
- Long-Term Care Insurance Distribution
Quantifiable outcome
- Over 27 years of agent relationships (Zach S. testimonial mentions 1989-2016 relationship)
- +2 more outcomes
Companies that use GoldenCare
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles1 record
GoldenCare technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
GoldenCare partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and major.
- Mutual of OmahacoreMajor carrier partner offering MutualCare Custom Solution (co-designed with GoldenCare input), MutualCare Secure Solution, Medicare Supplements, Medicare Advantage, Hospital Indemnity, Life Insurance, Critical Illness, and Annuities. Products include Partnership-qualified LTC plans requiring compliance with LTCi Partnership certification.
- ManhattanLifecoreKey carrier for OmniFlex Short-Term Care insurance (co-designed by GoldenCare) and Home Health Care products. OmniFlex revolutionized STC industry with first-day cash benefit for informal care and simplified two-tiered underwriting.
- Guarantee Trust Life (GTL)coreMajor partner for Critical Cash (co-designed with GoldenCare), Recover Cash STC, Short-Term Home Health Care, Hospital Indemnity, Cancer/Heart Attack/Stroke coverage, and Final Expense products. Over 90% issue rate on Critical Cash.
- Aetna/Continental LifemajorCarrier partner for Recovery Care, Recovery Care Choice, Home Care Plus, Hospital Indemnity Flex, Medicare Supplements, DVH, Final Expense Whole Life, and Cancer/Heart Attack/Stroke Plus products.
- National Guardian Life (NGL)majorPartner for HonestLTC and EssentialLTC traditional long-term care insurance products, plus Medicare Supplements. Products include limited pay options and competitive pricing.
- NationwidemajorPartner for CareMatters II, CareMatters Together, and CareMatters Annuity hybrid/long-term care life insurance and annuity products.
- ThriventmajorCarrier for Thrivent Long-Term Care (2016) and LTCi products. Available in all states except New York. Includes built-in 5-year rate guarantee and couples discounts.
- OneAmerica/State LifemajorPartner for Asset Care and Annuity Care hybrid/long-term care products. AssetCare and AnnuityCare provide linked-benefit solutions combining life insurance or annuities with LTC coverage.
- Bankers FidelitymajorCarrier for Vantage Recovery Short-Term Care, Hospital Indemnity Vantage Flex Plus, and Medicare Supplements. 10% spouse discount available on STC products.
- Securian FinancialmajorPartner for SecureCare IV, SecureCare III hybrid LTC products, and Universal Life insurance including Eclipse Accumulator IUL and Eclipse Protector II IUL.
- UnitedHealthcare (AARP)majorCarrier for AARP Medicare Supplement Insurance Plans, Medicare Advantage, and Medicare PDP/RX products. Available through GoldenCare representation.
- HumanamajorPartner for Humana Achieve Medicare Supplements and Medicare Advantage products. Competitive rates with household discounts available.
- WellabemajorCarrier for Essential Care Short-Term Care, Critical Illness Insurance, Hospital Indemnity, and Medicare Supplements (formerly Medico). Multiple discount options available.
- True FreedomcorePartner for Home Care Service Plans - non-insurance membership plans offering alternative solutions for clients with health conditions. Plans include Platinum, Gold, Silver, and Bronze tiers with varying hours and pricing. 1-question field issue with no medical underwriting.
- CareScoutmajorCarrier for Care Assurance long-term care insurance with issue ages 40-65 and access to CareScout Quality Network of aging care providers.
- CSG ActuarialcoreTechnology partner providing MarketAdvisor quoting tools for Medicare Supplement, Medicare Advantage/PDP, Hospital Indemnity, and Final Expense. Real-time quotes from 200 companies with rate increase history analysis. Free access for GoldenCare agents.
- IntegritycorePart of Integrity Family of Companies. Partnership includes IntegrityCONNECT platform, Integrity Health Plan for agents, Integrity E&O insurance solution (through Lockton Affinity), Integrity leads program, and comprehensive technology integration.
- HealthSpring/Cigna HealthcaremajorCarrier for Choice Short-Term Care and Medicare Supplements. STC includes Care Transition benefit and separate facility/home healthcare funding.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
GoldenCare competitors and assessment
Company assessmentDirect peers
- Senior Market Sales: Senior Market Sales is one of the largest FMOs in the U.S. focused on senior market products including Medicare, LTC, annuities, and life insurance. It is comparable to GoldenCare in distribution model, target agent base, and senior-product focus.
- Brokers International: Brokers International is an FMO/marketing organization providing carrier contracting, training, and back-office support to independent insurance agents across senior health, life, and annuity lines. It directly parallels GoldenCare's FMO/agent-support business model.
- SelectQuote: SelectQuote is a direct-to-consumer insurance distribution platform with significant Medicare Advantage and life insurance brokerage operations. It competes with GoldenCare for senior insurance distribution, although primarily through a consumer-direct rather than agent-network model.
- e-TeleQuote Insurance: e-TeleQuote is a Medicare-focused insurance agency and FMO distributing Medicare Advantage, Medicare Supplement, and Part D plans. It is comparable in the Medicare distribution space and competes for both agent and consumer relationships in senior health.
- HealthPlanOne: HealthPlanOne is a Medicare-focused insurance brokerage and lead-generation platform offering Medicare Supplement, Medicare Advantage, and ancillary products. It competes with GoldenCare's Medicare brokerage operations in distribution and lead flow.
Others
- Integrity Marketing Group: Integrity Marketing Group is a large insurance distribution and tech platform whose family of companies includes GoldenCare. It is comparable as an ecosystem enabler, providing lead generation, E&O, and platform technology to member FMOs like GoldenCare.
- CSG Actuarial: CSG Actuarial provides MarketAdvisor quoting and comparison tools to insurance agents. It is a technology partner that integrates with GoldenCare's agent platform, enabling real-time Medicare and Final Expense quotes across 200 carriers.
Broad incumbents
- Genworth Financial: Genworth is a major long-term care insurance carrier and the parent of CareScout, both of which partner with GoldenCare. It is a broad incumbent shaping the LTC market in which GoldenCare operates.
- Mutual of Omaha: Mutual of Omaha is a major insurance carrier offering Medicare Supplement, LTC (MutualCare), annuities, life, and accident products. It is one of GoldenCare's largest carrier partners and represents the incumbent carrier perspective in the senior insurance space.
- Bankers Life: Bankers Life is a large, established insurance carrier and captive agency focused on the senior market, offering Medicare Supplement, LTC, life, and annuity products. It overlaps significantly with GoldenCare's product set but operates a captive, career-agent model rather than FMO distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
GoldenCare social profiles
Digital presenceGoldenCare financial estimates
Financial estimateRevenue estimate
Valuation estimate
GoldenCare leadership team
Management profileNumber of profiles
Profiles12 records
GoldenCare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GoldenCare 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 GoldenCare
What does GoldenCare do?
GoldenCare operates as a Field Marketing Organization (FMO) and Brokerage General Agency that contracts and supports independent insurance agents to sell senior-focused insurance products. The company provides agents access to a portfolio of 113+ products from 11+ carrier partners (long-term care, short-term care, home health care, Medicare supplements/advantage, life insurance, annuities, critical illness, hospital indemnity) along with proprietary quoting and underwriting tools, training, marketing materials, compliance support, and back-office commission processing. Revenue is earned through carrier commissions on policies placed by its contracted agent network across all 50 states.
Is GoldenCare a public or private company?
GoldenCare is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was GoldenCare founded?
GoldenCare was founded in 1974. It employs 11 to 50 people.
Where is GoldenCare based?
GoldenCare is headquartered in Plymouth, United States, in the North America region.
How does GoldenCare make money?
One revenue line is on record: insurance Commission Revenue.
Who are GoldenCare's main competitors?
Direct peers on record are Senior Market Sales, Brokers International, SelectQuote, e-TeleQuote Insurance and HealthPlanOne. Others are Integrity Marketing Group and CSG Actuarial. Broad incumbents are Genworth Financial, Mutual of Omaha and Bankers Life.
Does GoldenCare have an API?
No public API is recorded for GoldenCare.
What industry is GoldenCare in?
GoldenCare's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs). Its NAICS code is 5242 and its SIC code is 6411.