Reicheck Financial
Independent insurance broker founded 1991 in Houston, TX by Michael Reichek, representing multiple carriers to deliver group health, individual, life, disability, and ancillary insurance products to small and mid-sized businesses (2-250 employees) and individual consumers.
- Company typePrivate
- Founded1991
- HeadquartersStafford, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Reicheck Financial does
Reichek Financial Services is a Houston, Texas-based independent insurance brokerage founded in 1991 by Michael Reichek, who holds a Certified Financial Planner designation earned in 1989. Operating as a licensed general broker, the firm represents multiple major insurance carriers — including Cigna, BlueCross BlueShield of Texas, Humana One, Aetna, Assurant Health, United Healthcare, National General, Allied National, and Seven Corners — and is licensed in Texas and numerous other states. The firm functions as a one-stop shop for group health, individual and family health (permanent, short-term, and travel medical), life insurance, key employee coverage, disability, long-term care, dental, HSA/HDHP, and annuity products. Its primary customer segment is small-to-mid-sized businesses with 2 to 250 employees seeking group health and employee benefits packages, with a secondary segment of individual and family consumers purchasing personal insurance products.
The firm operates on a commission-based revenue model, earning payments from insurance carriers when customers purchase policies through the brokerage. Critically, Reichek Financial provides its full suite of value-added services — including plan installation, claims advocacy, employee additions/terminations, COBRA administration, annual market analysis, and online benefits access — at no direct cost to clients, with revenue generated entirely through carrier commissions. The business is structured as a sole proprietorship wholly owned and operated by Michael Reichek, with no external investors, no funding rounds, no subsidiaries, and no parent entity. The go-to-market motion is sales-led, relying on direct outreach to businesses, free online quote requests, a formal Agent of Record designation process, client referrals, and a content-rich company website (reichekfinancial.com); there is no evidence of paid digital advertising, social media presence, or mobile application.
From a technology standpoint, Reichek Financial operates as a traditional independent broker with no proprietary technology, no AI/ML capabilities, no app, no public API, and no disclosed integrations. Distribution is conducted via direct sales and inside sales channels to SMB and individual buyers across the firm's licensed states. The firm has no patents, no trademarks, no awards, and no disclosed revenue, headcount, or financial metrics, with its website copyright dated 2017 indicating limited recent investment in digital infrastructure. The combination of sole-proprietor structure, no disclosed hiring, and an aging digital footprint suggests a stable but not actively scaling operation.
Reicheck Financial firmographics
Firmographics- Name
- Reicheck Financial
- Legal name
- Reichek Financial Services
- Website
- https://reichekfinancial.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Independent insurance broker founded 1991 in Houston, TX by Michael Reichek, representing multiple carriers to deliver group health, individual, life, disability, and ancillary insurance products to small and mid-sized businesses (2-250 employees) and individual consumers.
- Ownership category
- akta.pro rank
Reicheck Financial industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Carriers and Related Activities (524), Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324)
- akta.pro industry
- Small Group Health Insurance (2–50/100)Group Disability Income Insurance (Employer-Sponsored)Annuity + LTC / Long-Term Care RidersSelf-Funded Employer Plan TPA (ASO Administration)Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)Self-Funded (ERISA) Employer PlansHealthcare & Life Sciences/Health Insurance & Managed Care/Commercial (Employer-Sponsored) Health Insurance
Keywords
Where Reicheck Financial is headquartered
LocationHeadquarters
- HQ city
- Stafford
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Reicheck Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Broker Commissions: Reichek Financial operates as an independent insurance broker/agent earning commissions from insurance carriers for placing group health, life, disability, long-term care, dental, and other insurance products. The company represents multiple carriers and receives commissions when customers purchase policies through their brokerage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Broker/Agent Services - No direct cost to clients |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Reicheck Financial product offering
Product offeringCore offering
Reichek Financial Services is an independent insurance and financial services brokerage that places group and individual insurance policies through multiple carriers for a commission. It serves small-to-mid-size businesses (2-250 employees) with group health, life, disability, dental, and long-term care benefits — including COBRA administration, claims advocacy, and yearly plan reviews at no extra charge — and also brokers individual health (permanent, short-term, travel), annuities, and HSA/HDHP products for individuals and families.
Product overview
Reichek Financial is an independent insurance and financial services brokerage firm founded in 1991, operating as a licensed general broker representing multiple carriers across insurance and financial products. The company serves as a one-stop provider for group health insurance (for businesses with 2-250 employees), individual health insurance (permanent, short-term, and travel medical), life insurance, key employee coverage, disability insurance, long term care insurance, dental plans, and tax-deferred annuity products. The firm differentiates through value-added services including plan installation, claims advocacy, employee additions/terminations management, COBRA administration, yearly plan reviews, and online benefits access—provided at no extra charge. Reichek Financial partners with major insurance carriers including Cigna, BlueCross BlueShield of Texas, Humana One, Aetna, Assurant Health, and United Healthcare for medical products; HSA Bank for health savings accounts; Seven Corners for travel insurance; and DentalPlans.com for dental coverage. The company is licensed in Texas and numerous other states.
Differentiator
Problem solved
Functional benefit
Products and services
- Group Health Insurance Brokerage Comprehensive group health insurance brokerage for businesses with 2 to 250 employees, covering plan selection, installation, claims administration, ongoing employee benefits management, COBRA/state continuation guidance, and yearly plan reviews at no extra charge.
- Permanent Individual Health Insurance Long-term individual and family health insurance plans providing ongoing medical coverage through partnered carriers including Cigna, BlueCross BlueShield of Texas, Humana One, Aetna, Assurant Health, and United Healthcare.
- Short-Term Medical Insurance Temporary medical coverage for individuals between jobs, awaiting group coverage, or transitioning from parents' health plans, offered through National General and Allied National.
- Trip & Travel Insurance Travel medical insurance for U.S. citizens traveling overseas and foreign nationals visiting the U.S., including visitors, annual travel, student travel, worldwide medical, and missionary medical coverage through Seven Corners.
- Life Insurance Life insurance planning and brokerage covering permanent insurance (whole life, universal life, variable life) and term insurance, with assistance in estate planning, charitable giving, and estate tax reduction.
- Key Employee Coverage Key person life and disability insurance solutions for businesses to protect against economic loss from the death or disability of essential employees, including valuation methods and replacement financing guidance.
- Disability Insurance Short-term and long-term disability income insurance for individuals and corporations, with own-occupation and any-occupation definitions, residual benefits, cost-of-living riders, and waiver of premium options.
- Long Term Care Insurance Long term care insurance covering skilled, intermediate, and custodial care in nursing homes, assisted living facilities, adult day care centers, and home care settings.
- Dental Insurance Plans Discount dental plans for individuals and families offered through a partnership with DentalPlans.com.
- HSA and HDHP Services Health Savings Account (HSA) and High Deductible Health Plan (HDHP) brokerage and enrollment services through HSA Bank, providing tax-advantaged medical savings and lower-premium coverage options.
- Annuity Products Tax-deferred annuity products including immediate annuities (payments start within 12 months) and deferred annuities (with accumulation and payout phases) for retirement income planning.
- COBRA Management Services Compliance guidance and administration for COBRA (for employers with 20+ employees) and State Continuation (for smaller employers), helping businesses manage employee health coverage after qualifying events.
- Agent of Record Services Broker designation services allowing clients to name Reichek Financial as their exclusive Agent of Record, providing complimentary plan administration, claims support, and employee benefits management with no setup fees or enrollment costs.
Companies that use Reicheck Financial
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Reicheck Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Reicheck Financial partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- CignacoreInsurance carrier partner offering permanent individual health insurance products. Reichek Financial serves as broker/agent representing Cigna's products to customers.
- BlueCross BlueShield of TexascoreMajor Texas-based insurance carrier whose products are offered through Reichek Financial's brokerage services for both group and individual coverage.
- Humana OnecoreInsurance carrier partner providing individual health insurance products represented by Reichek Financial.
- AetnacoreMajor national insurance carrier whose products are offered through Reichek Financial's brokerage services.
- Assurant HealthcoreInsurance carrier partner offering individual health insurance products represented by Reichek Financial.
- United HealthcarecoreMajor national insurance carrier whose products are offered through Reichek Financial's brokerage services including Golden Rule Health Insurance.
- HSA BankminorNational leader in health savings accounts. Reichek Financial refers customers to HSA Bank for HSA enrollments and provides links for HSA-compatible health plan information. Affiliate tracking code (ain=007050) suggests referral relationship.
- National GeneralminorInsurance carrier providing short-term medical insurance quotes offered through Reichek Financial's website.
- Allied NationalminorInsurance carrier providing short-term medical insurance products offered through Reichek Financial's website with affiliate tracking.
- Seven CornersminorTravel insurance carrier partner providing quotes for travel medical insurance, visitors insurance, annual travel coverage, student travel, and missionary medical insurance through Reichek Financial.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
Reicheck Financial competitors and assessment
Company assessmentMarket position
Weaknesses4 records
Competitive moat3 records
Key risks4 records
Key highlights6 records
Customer concentration
Reicheck Financial social profiles
Digital presenceReicheck Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Reicheck Financial leadership team
Management profileNumber of profiles
Profiles1 record
Reicheck Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Reicheck Financial 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 Reicheck Financial
What does Reicheck Financial do?
Reichek Financial Services is an independent insurance and financial services brokerage that places group and individual insurance policies through multiple carriers for a commission. It serves small-to-mid-size businesses (2-250 employees) with group health, life, disability, dental, and long-term care benefits — including COBRA administration, claims advocacy, and yearly plan reviews at no extra charge — and also brokers individual health (permanent, short-term, travel), annuities, and HSA/HDHP products for individuals and families.
Is Reicheck Financial a public or private company?
Reicheck Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Reicheck Financial founded?
Reicheck Financial was founded in 1991. It employs 1 to 10 people.
Where is Reicheck Financial based?
Reicheck Financial is headquartered in Stafford, United States, in the North America region.
How does Reicheck Financial make money?
One revenue line is on record: insurance Broker Commissions.
Does Reicheck Financial have an API?
No public API is recorded for Reicheck Financial.
What industry is Reicheck Financial in?
Reicheck Financial's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAIAIAB, Group Disability Income Insurance (Employer-Sponsored). Its NAICS code is 524 and its SIC code is 6411.