English and Company Consulting

What English and Company Consulting does

English and Company Consulting is an independent insurance and financial advisory agency founded in 1991 and headquartered at 640 E Babcock Ave in Visalia, California, operating under proprietor Mary Anne English (CA Lic No: 0657709). The firm provides personalized advisory services across Medicare solutions (Advantage, Medigap, Parts A-D), long-term care insurance, life insurance (term, whole, universal, permanent), fixed and variable annuities, estate planning, retirement planning, health insurance, and disability income protection. Its customer base is primarily Medicare-eligible individuals aged 65+, pre-retirees and retirees aged 50-70+, and families seeking life and disability coverage, served through direct-to-consumer engagement via phone, email, in-office consultation, and a quote-request website.

The firm's business model is commission-based: as an independent agency it is appointed with multiple A+ rated carriers including Aetna, Cigna, Humana, Lincoln Financial Group, Mutual of Omaha, United Healthcare, and Legal & General America, and earns first-year and renewal commissions on Medicare, life, annuity, and health policies placed. Pricing is not publicly disclosed; instead, the firm offers free personalized consultations and quotes. Revenue mechanics rely entirely on carrier commissions, with no disclosed subscription, fee-for-service, or other revenue streams. There are no funding rounds, no institutional investors, no parent company, and no subsidiary relationships.

The technology footprint is minimal and non-differentiated. The website (englishandcompany.net) was designed and powered by Agent Quote Inc and provides top-of-funnel educational content, downloadable publications, and bottom-of-funnel quote request forms. A client services portal supports basic policy administration tasks (address changes, beneficiary updates, claims inquiries). The firm has no mobile app, no disclosed API, no proprietary AI/ML capabilities, no patents, and no certifications. Geographic reach is anchored in California with stated ability to serve clients nationally via remote consultation.

Name

English and Company Consulting

Legal name

English and Company

Website

https://englishandcompany.net

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

English and Company Consulting is an independent Visalia, CA insurance agency founded in 1991, advising Medicare beneficiaries, pre-retirees, and families on Medicare, long-term care, life insurance, annuities, and estate planning via commissions from multiple A+ rated carriers.

Ownership category

akta.pro rank

Product category

Insurance and Financial Planning Advisory

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Medicare insurance advisory
• Long-term care insurance
• Life insurance planning
• Fixed annuity products
• Estate and retirement planning

Headquarters

HQ city

Lake Elsinore

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, Technology or R&D, Others

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers (Aetna, Cigna, Humana, Lincoln Financial Group, Mutual of Omaha, United Healthcare, and others) for each policy sold and placed. Revenue is derived from first-year commissions and renewal commissions on ongoing policies. The agency shops coverage through multiple carriers on behalf of clients, earning commissions on placed business.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

English and Company is an independent insurance agency that provides personalized Medicare, long-term care, life insurance, annuity, health insurance, disability insurance, and estate and retirement planning advisory services to individuals and families. The agency shops coverage across multiple A+ rated carriers (Aetna, Cigna, Humana, Lincoln Financial Group, Mutual of Omaha, United Healthcare, Legal & General America, and others) and earns commissions from those carriers for placed policies. Services are delivered through free consultations by phone, email, and in-office visits at its Visalia, California headquarters.

Product overview

English and Company is a Medicare and insurance consulting firm offering a comprehensive portfolio of financial protection and planning services. The company provides Medicare solutions (Advantage, Medigap, Parts A-D), long-term care insurance, various life insurance products (term, whole, universal, permanent), fixed and variable annuities, estate planning services (wills, trusts, probate guidance), retirement planning, health insurance, and disability insurance. The core offering is personalized insurance advisory services for individuals and families seeking to protect their financial security and plan for retirement. The company also offers a client services portal for policy management. This is not a technology platform but a traditional insurance and financial planning agency.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Solutions Medicare insurance advisory services covering Medicare Advantage Plans (Part C), Medigap (Medicare Supplement) policies, and Medicare Part A, B, and D coverage guidance for Medicare-eligible individuals seeking help comparing and selecting plans.
• Long-Term Care Insurance Insurance advisory and placement for long-term care coverage, intended to help pre-retirees and retirees cover extended care services such as home care, assisted living, nursing home care, and hospice care.
• Life Insurance Advisory and placement of life insurance products including term life, whole life, universal life, variable universal life, and permanent life insurance, designed to provide financial protection for families through income replacement, debt coverage, and final-expense planning.
• Annuities Advisory and placement of fixed indexed annuities (FIAs) and variable annuities offering tax-deferred growth and guaranteed income streams for retirement planning.
• Estate Planning Services Comprehensive estate planning services covering wills, executor guidance, probate guidance, estate taxes, trusts (including living trusts and charitable remainder trusts), and gift-giving strategies for individuals and families.
• Retirement Planning Retirement planning services covering 401(k), 403(b), SEP-IRA, SIMPLE IRA, Traditional IRA, Roth IRA, and Keogh plans for individuals approaching or in retirement.
• Health Insurance Health insurance advisory services covering individual and group health plans, HMOs, PPOs, fee-for-service plans, and cafeteria plan implementation, with policies placed through multiple A+ rated carriers.
• Disability Insurance Disability income protection insurance that replaces a portion of a client's income if they are unable to work due to sickness or injury, placed through carrier partners.

Named customers7 records

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

Seven partnerships are on record, tiered core.

• AetnacoreChannel Partner/ Reseller/ DistributorAetna is a major health insurance carrier whose Medicare Advantage, health, and related plans are distributed through English and Company. The agency acts as a licensed agent selling Aetna products to consumers.
• CignacoreChannel Partner/ Reseller/ DistributorCigna is a health and insurance carrier whose health and Medicare plans are distributed through English and Company. The agency sells Cigna products to individual consumers and families.
• HumanacoreChannel Partner/ Reseller/ DistributorHumana is a leading Medicare Advantage carrier whose plans are distributed through English and Company. The agency represents Humana products in the Medicare marketplace.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorUnited Healthcare is a major national health and Medicare carrier whose products are distributed through English and Company. The agency sells United Healthcare Medicare and health plans.
• Lincoln Financial GroupcoreChannel Partner/ Reseller/ DistributorLincoln Financial Group is a financial services and insurance company whose life insurance and annuity products are distributed through English and Company for retirement planning and income protection.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorMutual of Omaha is a Medicare supplement and health insurance carrier whose Medigap and health products are distributed through English and Company.
• Legal & General AmericacoreChannel Partner/ Reseller/ DistributorLegal & General America is a life insurance carrier whose term and permanent life insurance products are distributed through English and Company.

Scale indicators2 records

Recent moves2 records

Expansion highlights3 records

Direct peers

• eHealth: Online health insurance marketplace offering Medicare, individual/family health, and ancillary products from multiple carriers. Highly comparable business model — multi-carrier intermediary serving individual consumers seeking coverage.
• Assurance IQ: Technology-enabled insurance distribution platform selling Medicare, life, and health products through a multi-carrier agent network. Comparable multi-product, multi-carrier agency model at much greater scale.
• SelectQuote: Direct-to-consumer insurance agency specializing in Medicare, life, and supplemental products via a multi-carrier brokerage model. Highly comparable in product mix and target demographic, though significantly larger and more digitally scaled than English and Company.
• GoHealth: Medicare-focused health insurance marketplace connecting consumers with multiple carriers via licensed agents. Operates the same multi-carrier agency model with overlapping Medicare Advantage, Medigap, and Part D product focus.
• Boomer Benefits: Independent insurance agency specializing in Medicare supplements, Medicare Advantage, and ancillary retirement products for Baby Boomers. Closely comparable niche focus and multi-carrier brokerage approach.

Emerging players

• MedicareFAQ: Digital-first Medicare education and brokerage lead-generation platform specializing in Medigap and Medicare Advantage plans. Comparable in customer segment and educational-content-driven GTM, but more digitally native.

Others

• Trusted Choice: Network brand for independent insurance agents and brokers across the U.S., providing marketing, technology, and carrier access. English and Company operates as an independent agent in a similar category and could conceivably join such a network for growth.

Broad incumbents

• Mutual of Omaha: Insurance carrier offering Medicare supplements, life insurance, and long-term care — directly represented by English and Company. Overlapping product set and senior-customer segment; differs in being the underwriter/carrier rather than the independent agent.
• New York Life: Large mutual life insurance carrier with extensive agent distribution of life insurance, annuities, and long-term care products. Overlapping product portfolio and senior-market focus; substantially larger and more diversified.
• Bankers Life: Established national insurance carrier and distribution arm focused on the 50+ demographic with Medicare supplements, life insurance, and retirement products. Overlapping product set and customer base, but operates as a primarily captive career-agent model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/English-and-Company-Consulting-137535742979133
• LinkedInlinkedin.com/company/english-and-company-consulting

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 English and Company Consulting