Cecy Insurance Services
Cecy Insurance Services is an independent California health insurance brokerage founded in 1989. The firm represents multiple carriers to sell individual, group, Medicare, life, disability, dental, vision, and travel coverage to consumers and businesses in Santa Cruz County.
- Company typePrivate
- Founded1989
- HeadquartersAptos, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Cecy Insurance Services does
Cecy Insurance Services, Inc. is an independent health insurance brokerage incorporated in California, founded in 1989 and headquartered at 201 River Street, Suite 102 in Santa Cruz, CA, with a secondary license location at 2035 N. Pacific Avenue, Santa Cruz (License #6004116). The firm represents multiple carriers — including Anthem, Blue Shield of California, Sutter Health, Health Net, Kaiser Permanente, Covered California, MetLife, Unum, VSP, Ameritas, and International Medical Group — and provides individual and family health coverage, small and large group health insurance, Medicare products (Part D, Advantage, Supplements), life and disability insurance, dental and vision plans, travel medical insurance, HR/compliance services, and access to a ThinkHR-hosted client portal. Customers are individuals, families, small and large businesses, Medicare beneficiaries, and travelers, served primarily in Santa Cruz County and surrounding California regions.
The firm operates a commission-based brokerage model, earning referral commissions from carriers for policies placed without being tied to any single carrier. Go-to-market is sales-led: phone consultations, website-driven lead capture via third-party quoting software (quotit.net), in-person consultations at the Santa Cruz office, and Certified Covered California enrollment. No proprietary technology, API, SDK, or AI features are disclosed; operations run on standard brokerage tooling plus the ThinkHR client portal. Marketing relies on website content, email outreach, professional-association credibility (NAHU, NAIFA), and referrals from a 35-year loyal client base.
Cecy is privately held with 11–50 employees and no external funding, parent company, or M&A activity. Leadership comprises President & CEO Adela Alvarez, agency principal and apparent founder Brian Cecy, and a small senior team including Sue Belanger (joined 2005; 2010 Health Net Top Producer) and Roxane Gardner (joined 2014). The firm is affiliated with Clarion Pacific Insurance Services, a related business sharing the Santa Cruz address that extends the reach into commercial P&C lines.
Cecy Insurance Services firmographics
Firmographics- Name
- Cecy Insurance Services
- Legal name
- Cecy Insurance Services, Inc.
- Website
- https://cecyinsurance.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cecy Insurance Services is an independent California health insurance brokerage founded in 1989. The firm represents multiple carriers to sell individual, group, Medicare, life, disability, dental, vision, and travel coverage to consumers and businesses in Santa Cruz County.
- Ownership category
- akta.pro rank
Cecy Insurance Services industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industries
- Simplified Issue Whole Life / UL Insurance (FSAIABAH), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)
Keywords
Where Cecy Insurance Services is headquartered
LocationHeadquarters
- HQ city
- Aptos
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Cecy Insurance Services business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Broker Commissions: As an independent insurance broker/agency, Cecy Insurance Services earns commissions from insurance carriers for policies sold. They are not tied to any single insurance company and shop the market to find the best plan for each client's needs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Personalized insurance quotes through consultation |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Cecy Insurance Services product offering
Product offeringCore offering
Cecy Insurance Services is an independent insurance brokerage that sells health, Medicare, life, disability, dental, vision, and travel insurance products to individuals, families, and businesses. As an independent agent not tied to any single carrier, the firm places clients with multiple insurance companies (Anthem, Blue Shield, Kaiser Permanente, Health Net, Covered California, MetLife, Unum, VSP, Ameritas, and others) and is paid via carrier commissions. Services include ACA-compliant individual and group enrollment, Medicare enrollment assistance, employee benefits consulting, and HR compliance support.
Product overview
Cecy Insurance Services is an independent insurance brokerage established in 1989, offering a comprehensive portfolio of health insurance and employee benefits products. The core offering centers on Individual & Family Health Coverage and Business Group Health Insurance, supplemented by specialized Medicare products (Medicare Part D, Medicare Advantage Plans, Medicare Supplement), Life & Disability Insurance, and Travel Insurance. Additional modules include Dental & Vision Plans, HR Services & Compliance Assistance, and a Client Portal. The company operates as a market broker representing multiple insurance carriers (including Anthem, Blue Shield, Kaiser, Health Net, and Covered California) to match clients with optimal plans. Medicare-specific services include enrollment assistance and annual prescription drug plan re-evaluation support.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual & Family Health Coverage Health insurance products for individuals and families, including guidance through the Affordable Care Act enrollment process, plan selection, and network provider matching.
- Business Group Health Insurance Health insurance packages for small and large businesses, including Large and Small Group Medical plans, as part of comprehensive employee benefits offerings.
- Life & Disability Insurance Individual life insurance and disability (salary protection) insurance products for financial security, retirement supplementation, and estate planning purposes.
- Travel Insurance Travel medical insurance providing coverage for accidents or illness while traveling domestically or internationally, including International Medical Group products such as Patriot Travel Medical, Outreach, GlobeHopper Senior, and Student Health Advantage.
- Medicare Part D Prescription drug coverage plans for Medicare beneficiaries, offered as standalone Part D plans.
- Medicare Advantage Plans Medicare Part C plans combining hospital and medical coverage, often with additional benefits through HMO networks.
- Medicare Supplement Supplemental insurance (Plans A through N) to fill gaps in Medicare Parts A and B, providing freedom to use any Medicare-participating doctor.
Companies that use Cecy Insurance Services
Customer profileSegments4 records
Ideal customer profiles4 records
Cecy Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cecy Insurance Services partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- AnthemcoreMajor health insurance carrier represented by Cecy Insurance Services. Provides individual, family, and group health insurance products.
- Blue Shield of CaliforniacoreCalifornia-based health plan provider represented for individual, family, and group coverage.
- Sutter HealthcoreHealth network partner offering health insurance products through Cecy Insurance Services.
- Health NetcoreHealth insurance carrier represented, with recognition of top producer award to team member Sue Belanger in 2010.
- Kaiser PermanentecoreHMO health insurance provider available through Cecy Insurance Services.
- Covered CaliforniacoreCalifornia's official health insurance marketplace. Cecy Insurance is certified to offer plans through Covered California.
- CBX BenefitsminorBenefits management partner available through Cecy Insurance Services.
- MetLifecoreInsurance carrier offering dental, vision, and other employee benefits through Cecy Insurance Services.
- UnumcoreProvider of life, accident, and disability insurance products represented by Cecy Insurance Services.
- VSPcoreVision insurance provider offering vision care plans through Cecy Insurance Services.
- AmeritasminorDental and vision insurance provider available through Cecy Insurance Services.
- International Medical Group (IMG)minorTravel medical insurance provider. Cecy Insurance offers IMG travel insurance products including Patriot, Outreach, GlobeHopper Senior, and Student Health Advantage plans.
- Clarion Pacific Insurance ServicescoreRelated insurance services company at 2035 North Pacific Avenue Ste. A, Santa Cruz, CA 95060. Affiliated organization providing additional insurance services. Main office: 831-272-0347.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Cecy Insurance Services competitors and assessment
Company assessmentDirect peers
- eHealth: Online health insurance marketplace offering individual, family, Medicare, and small business plans across multiple carriers. Comparable as an individual/family and Medicare health insurance broker with a similar carrier-agnostic value proposition, though with a proprietary technology platform.
- GoHealth: Medicare-focused health insurance brokerage connecting beneficiaries with Medicare Advantage, Supplement, and Part D plans. Directly comparable as a Medicare-centric independent agency using a phone-led sales motion across multiple carriers, though operating at significantly larger scale.
- HealthMarkets: National independent health insurance agency connecting individuals, families, and small businesses with major medical, Medicare, and supplemental coverage from multiple carriers. Comparable as a multi-carrier independent brokerage serving the same customer segments (individuals, families, Medicare beneficiaries) with a similar sales-led motion.
- Clarion Pacific Insurance Services: Santa Cruz-based insurance agency co-located with Cecy Insurance Services at 2035 N. Pacific Avenue, offering general liability, commercial property, and workers' compensation. Directly comparable as a small, local independent brokerage serving the same geography and overlapping client base.
- SelectQuote: Direct-to-consumer insurance brokerage specializing in life, Medicare, and health insurance products sold via phone and online channels. Comparable as a health and Medicare-focused independent brokerage, though operating at much larger scale and with a more tech-enabled, digital-first model.
Emerging players
- Insureon: Digital small business insurance marketplace focused on health, dental, workers' comp, and liability for SMBs. Comparable to Cecy's small business group health and HR services offering, but with a tech-enabled, online-first approach rather than the in-person/phone local brokerage model.
Broad incumbents
- USI Insurance Services: Top-10 U.S. insurance brokerage delivering property & casualty, employee benefits, and retirement planning to mid-market and large employers. Comparable to Cecy's commercial and group benefits offering, but at vastly larger scale and broader geographic reach.
- Brown & Brown Insurance: National insurance brokerage providing commercial P&C, employee benefits, and personal lines across the U.S. Comparable to Cecy's small commercial and benefits business via its broad portfolio approach, though focused on middle-market accounts rather than individual consumers.
- Acrisure: One of the largest insurance brokerages in the world, offering commercial, personal, and benefits products through a partnership/roll-up model. Comparable to Cecy's general commercial offerings via Clarion Pacific affiliation, but as a global incumbent rather than a local independent.
- OneDigital: Large national employee benefits and insurance brokerage offering group health, voluntary benefits, retirement, and HR consulting. Comparable to Cecy's small/large business segment offering, but operating as a scaled, multi-region incumbent rather than a local independent agency.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cecy Insurance Services social profiles
Digital presenceCecy Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cecy Insurance Services leadership team
Management profileNumber of profiles
Profiles4 records
Cecy Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cecy Insurance Services 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 Cecy Insurance Services
What does Cecy Insurance Services do?
Cecy Insurance Services is an independent insurance brokerage that sells health, Medicare, life, disability, dental, vision, and travel insurance products to individuals, families, and businesses. As an independent agent not tied to any single carrier, the firm places clients with multiple insurance companies (Anthem, Blue Shield, Kaiser Permanente, Health Net, Covered California, MetLife, Unum, VSP, Ameritas, and others) and is paid via carrier commissions. Services include ACA-compliant individual and group enrollment, Medicare enrollment assistance, employee benefits consulting, and HR compliance support.
Is Cecy Insurance Services a public or private company?
Cecy Insurance Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cecy Insurance Services founded?
Cecy Insurance Services was founded in 1989. It employs 11 to 50 people.
Where is Cecy Insurance Services based?
Cecy Insurance Services is headquartered in Aptos, United States, in the North America region.
How does Cecy Insurance Services make money?
One revenue line is on record: insurance Broker Commissions.
Who are Cecy Insurance Services's main competitors?
Direct peers on record are eHealth, GoHealth, HealthMarkets, Clarion Pacific Insurance Services and SelectQuote. Insureon is listed as an emerging player. Broad incumbents are USI Insurance Services, Brown & Brown Insurance, Acrisure and OneDigital.
Does Cecy Insurance Services have an API?
No public API is recorded for Cecy Insurance Services.
What industry is Cecy Insurance Services in?
Cecy Insurance Services's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIABAH, Simplified Issue Whole Life / UL Insurance. Its NAICS code is 5242 and its SIC code is 6411.