Smile Insurance Group
Smile Insurance Group is an Arizona-based independent insurance agency that distributes Medicare Advantage, Supplement, and Part D plans across 14 carriers and 80 plan options, plus Life, Health, Dental, Travel, ACA, and Short-term medical lines, serving individual consumers nationwide on a commission basis.
- Company typePrivate
- Founded2008
- HeadquartersMesa, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Smile Insurance Group does
Smile Insurance Group is a privately held, Arizona-based independent insurance agency specializing in Medicare distribution. The agency represents 14 insurance carriers offering approximately 80 plan options, with core focus on Medicare Advantage, Medicare Supplement, and Medicare Part D. Its product portfolio has been extended to include Life, Health, Dental, Travel, ACA Marketplace, and Short-term medical insurance lines, providing cross-sell breadth beyond the core Medicare franchise. Operations are supported by an 11-50 employee team led by CEO Chris Fong, JD, PHIAS, and co-founder Harry Fong, headquartered in Mesa, AZ with a Glendale, AZ mailing address per its privacy policy.
The business model is commission-based: revenue is generated through agent commissions on policies sold and renewed across multiple carriers, with no disclosed subscription or fee-for-service component. Go-to-market is sales-led and multi-channel, combining direct agent relationships, content marketing, SEO, and agent-referral mechanics to acquire individual consumers. The agency positions itself as a HIPAA Business Associate with formal privacy and data-handling infrastructure, and self-describes as the "#1 Arizona Insurance Agency." Service reach is marketed nationwide despite the Arizona concentration of operations, indicating a deliberate multi-state Medicare distribution play likely targeted at retiree and "snowbird" populations.
The technology footprint described is conventional: a multi-carrier product platform, regulated data handling, and digital marketing channels. There is no evidence of proprietary technology, API platform, or AI/ML capabilities; the competitive position rests on carrier breadth, agent productivity, and local-market brand presence rather than technology differentiation. No funding rounds, acquisitions, or capital-raising events are disclosed, and the agency appears to be funded organically through retained commission earnings.
Smile Insurance Group firmographics
Firmographics- Name
- Smile Insurance Group
- Legal name
- Smile Insurance Group, Inc.
- Website
- https://smileinsgroup.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Smile Insurance Group is an Arizona-based independent insurance agency that distributes Medicare Advantage, Supplement, and Part D plans across 14 carriers and 80 plan options, plus Life, Health, Dental, Travel, ACA, and Short-term medical lines, serving individual consumers nationwide on a commission basis.
- Ownership category
- akta.pro rank
Smile Insurance Group industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medicare Supplement (Medigap) (FSAIAEAG)
- akta.pro secondary industries
- Dental Insurance (FSAIAHAA), Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ)
Keywords
Where Smile Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Mesa
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Smile Insurance Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commission Revenue: The agency earns commissions from insurance carriers for policies sold and enrolled. Currently represents 14 carriers offering 80 plans. Agents may operate under LOA (Letter of Authority) or non-LOA arrangements, with commission structures varying based on carrier agreements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing across 14 carriers and 80 plan options |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Smile Insurance Group product offering
Product offeringCore offering
Smile Insurance Group is a full-service insurance agency and brokerage that helps individuals compare, select, and enroll in Medicare and health insurance plans from 14 insurance carriers offering 80 plan options. The agency specializes in Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans, while also offering life, dental, travel, ACA Marketplace, and short-term medical insurance. Licensed agents provide personalized consultation via phone, in-person, and online channels along with year-round support for billing, claims, and prior authorizations.
Product overview
Smile Insurance Group is a full-service insurance agency that operates as a unified product portfolio of insurance advisory and brokerage services rather than a software platform. The core offering centers on Medicare insurance products including Medicare Advantage Plans, Medicare Supplement Plans, and Medicare Prescription Drug Plans, which the company positions as its primary specialization. The agency supplements this with a broader portfolio of health-related insurance products including Life Insurance, Health Insurance, Travel Insurance, Dental Insurance, Affordable Care Act Insurance, Marketplace Insurance, and Short-Term Medical Insurance. The company serves clients nationwide with a focus on Arizona, acting as a broker representing 14 insurance carriers offering approximately 80 plan options. The business model emphasizes personalized advisory services through licensed agents rather than self-service technology products.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Insurance
- Medicare Advantage Plans
- Medicare Supplement Plans
- Medicare Prescription Drug Plans Medicare Part D standalone prescription drug coverage plans to help Medicare beneficiaries cover medication costs, offered through multiple carriers.
- Life Insurance Life insurance products designed to protect families and legacies by providing financial security for dependents of individual policyholders.
- Health Insurance Comprehensive health insurance coverage for individuals and families, including ACA Marketplace plans and private insurance options.
- Travel Insurance Travel health insurance providing peace of mind while traveling, with coverage for medical needs abroad for individual travelers.
- Dental Insurance Dental insurance to fill gaps in coverage for preventive and restorative dental care for individuals and families.
- Affordable Care Act Insurance ACA-compliant health insurance plans available through the Health Insurance Marketplace with potential eligibility for premium tax credits.
- Marketplace Insurance Health insurance plans available through government-run marketplaces, offering subsidized coverage options based on income for individuals and families.
- Short-Term Medical Insurance Temporary medical coverage ranging from 30 days to nearly 12 months for individuals experiencing coverage gaps, job transitions, or waiting for long-term insurance eligibility.
Quantifiable outcome
- 80% of medical bills have errors - agency helps resolve incorrect bills or claims
Companies that use Smile Insurance Group
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Smile Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Smile Insurance Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 14 Insurance CarrierscoreThe agency represents 14 insurance carriers offering 80 Medicare and health insurance plans. These carrier partnerships enable the agency to provide diverse plan options to clients, including Medicare Advantage, Supplement, and Prescription Drug Plans. Carriers provide commission compensation for enrolled policies.
Scale indicators4 records
Recent moves5 records
Expansion highlights4 records
Smile Insurance Group competitors and assessment
Company assessmentDirect peers
- eHealth: Public online health insurance marketplace and Medicare broker that connects consumers to carriers across Medicare, ACA, and ancillary products. Direct peer given its similar multi-carrier, multi-line brokerage model with nationwide reach.
- HealthMarkets: Large private health insurance agency representing multiple carriers across Medicare, ACA, and individual/family health plans. Direct comparable as a multi-carrier broker with nationwide licensed agent network and commission-driven model.
- SelectQuote: Public insurance brokerage specializing in term life and Medicare Advantage/Supplement distribution through phone and digital channels. Direct comparable in terms of commission-based multi-carrier Medicare brokerage model, though operating at materially larger scale.
- GoHealth: Public Medicare-focused health insurance marketplace that enrolls beneficiaries in Medicare Advantage, Supplement, and Part D plans via a tech-enabled agent network. Direct competitor in the multi-carrier Medicare brokerage space with significant digital marketing capabilities.
- QuoteWizard (by LendingTree): Insurance comparison platform that distributes leads to carriers and agents across health, Medicare, auto, and home lines. Comparable in that it competes for the same Medicare-eligible consumer and routes them into agent-handled enrollment flows.
- Boomer Benefits: Independent Medicare-focused insurance agency specializing in Medicare Supplement and Medicare Advantage plans for baby boomers. Direct peer given similar Medicare-only specialization, multi-carrier brokerage structure, and educational content-driven GTM.
Broad incumbents
- CVS Health / Aetna: Vertically integrated payer-PBM-retailer with significant Medicare Advantage footprint, also offering Medicare Supplement plans. Comparable carrier partner/competitor combination, with growing direct-to-consumer Medicare enrollment capabilities.
- UnitedHealthcare (AARP Medicare): Largest U.S. Medicare Advantage insurer with AARP-branded Medicare Supplement products. Functions as both a Smile carrier partner and a broad incumbent whose direct enrollment channels and captive agent networks compete with independent agencies.
- Humana: One of the largest U.S. Medicare Advantage carriers and a leading seller of Medicare Supplement and Part D plans. Acts both as a Smile carrier partner and as a competitor that increasingly invests in direct-to-consumer enrollment, reducing dependence on independent brokers.
Others
- Medicare.gov (CMS): Official government Medicare plan finder portal that enables direct enrollment into Medicare Advantage and Part D plans. A structural alternative to broker-mediated enrollment whose continued improvement represents an indirect competitive threat to agencies like Smile.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Smile Insurance Group social profiles
Digital presenceSmile Insurance Group compliance and trust
Trust signalCompliance1 record
Smile Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Smile Insurance Group leadership team
Management profileNumber of profiles
Profiles2 records
Smile Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Smile Insurance Group 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 Smile Insurance Group
What does Smile Insurance Group do?
Smile Insurance Group is a full-service insurance agency and brokerage that helps individuals compare, select, and enroll in Medicare and health insurance plans from 14 insurance carriers offering 80 plan options. The agency specializes in Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans, while also offering life, dental, travel, ACA Marketplace, and short-term medical insurance. Licensed agents provide personalized consultation via phone, in-person, and online channels along with year-round support for billing, claims, and prior authorizations.
Is Smile Insurance Group a public or private company?
Smile Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Smile Insurance Group founded?
Smile Insurance Group was founded in 2008. It employs 11 to 50 people.
Where is Smile Insurance Group based?
Smile Insurance Group is headquartered in Mesa, United States, in the North America region.
How does Smile Insurance Group make money?
One revenue line is on record: insurance Commission Revenue.
Who are Smile Insurance Group's main competitors?
Direct peers on record are eHealth, HealthMarkets, SelectQuote, GoHealth, QuoteWizard (by LendingTree) and Boomer Benefits. Broad incumbents are CVS Health / Aetna, UnitedHealthcare (AARP Medicare) and Humana. Medicare.gov (CMS) is listed as an others.
Does Smile Insurance Group have an API?
No public API is recorded for Smile Insurance Group.
What industry is Smile Insurance Group in?
Smile Insurance Group's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAG, Medicare Supplement (Medigap), with a secondary code of FSAIAHAA, Dental Insurance. Its NAICS code is 524210 and its SIC code is 6411.