Military United Insurance

What Military United Insurance does

Military United Insurance is a privately held insurance agency headquartered in Columbia, Missouri, operating as a DBA under Mortgage Research Center, LLC (a private holding company with NMLS ID #1907). Founded in 2009, the firm is structured as a multi-carrier appointed agency earning commissions on policies placed with carriers including Foremost, Nationwide, Progressive, Liberty Mutual, Cincinnati Insurance, Tower Hill Specialty, and Universal Property. Its operating footprint is concentrated in Missouri, though carrier partnerships extend nationally.

The product catalog spans personal lines across vehicle insurance (auto, boat, motorcycle, RV, classic/collector car), property insurance (homeowners, renters, condo, flood), personal umbrella liability, and a bundling product offering multi-policy discounts of up to 20%. Distribution is hybrid: a self-service digital quote platform supplemented by phone-based agent-assisted sales (1-833-919-1177). Customer segments are horizontal — homeowners, vehicle owners, and bundling seekers — with no enterprise or commercial-lines exposure disclosed.

The business model is commission-based affiliate/referral revenue with no disclosed proprietary technology stack, no API, and no mobile application. The company employs between 11 and 50 people, has not raised external capital, and has not disclosed revenue or premium volume. Customer reputation signals are modestly positive (117 reviews averaging 4.8/5), though the sample is self-hosted and limited in scale.

Name

Military United Insurance

Legal name

Mortgage Research Center, LLC

Website

https://militaryunited.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Military United Insurance is a Columbia, Missouri-based multi-carrier insurance agency offering personal lines — home, auto, specialty vehicles, and umbrella coverage — to individual consumers and households, operating under Mortgage Research Center, LLC and earning commissions from appointed national carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commissions: Paddio Insurance acts as an insurance agency/broker, earning commissions from insurance carriers when they sell policies. The company is appointed with multiple insurance partners (Foremost, Nationwide, Progressive, Liberty Mutual, Cincinnati Insurance, Tower Hill Specialty, Universal Property) to write insurance business. Revenue is generated through commissions on policies sold to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Military United Insurance (operating as Paddio Insurance) is an insurance agency that aggregates quotes from multiple nationwide insurance carriers to offer personal lines coverage including auto, boat, motorcycle, RV, classic car, homeowners, renters, condo, flood, and umbrella policies. The agency enables customers to compare carrier quotes online or via phone support and offers multi-policy bundling discounts of up to 20%.

Product overview

Paddio Insurance operates as an insurance aggregation platform that connects customers with quotes from multiple nationwide insurance carriers. The platform offers a unified quoting experience where customers can obtain and personalize insurance quotes across various product lines. The core products span two main categories: Vehicle insurance (Auto, Boat, Motorcycle, RV, Classic Car) and Property insurance (Homeowners, Renters, Condo, Flood), with additional Personal umbrella coverage. The primary value proposition is bundling multiple policies together for savings and streamlined management through a single platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage protecting cars and automobiles for individual consumers, sourced from multiple carrier partners.
• Boat Insurance Watercraft insurance coverage for boats and maritime vessels for individual consumers.
• Motorcycle Insurance Specialized insurance coverage for motorcycles and motorized bikes for individual consumers.
• RV Insurance Recreational vehicle insurance for motorhomes and travel trailers for individual consumers.
• Classic Car Insurance Specialty insurance coverage for classic and collector vehicles for individual consumers.
• Homeowners Insurance Homeowners insurance protecting residential properties and personal belongings for individual consumers and homeowners.
• Renters Insurance Insurance coverage for renters protecting personal property and liability for individual consumers.
• Condo Insurance Condominium insurance coverage for condo owners and their belongings for individual consumers.
• Flood Insurance Flood insurance protecting properties against flood damage for individual consumers and property owners.
• Umbrella Insurance Personal umbrella liability insurance providing additional coverage beyond primary policies for individual consumers.
• Insurance Bundling Multi-policy bundling service allowing customers to combine two or more insurance products for savings up to 20%.

Quantifiable outcome

• Save up to 20% when bundling two products or more

Segments3 records

Ideal customer profiles1 record

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 and minor.

• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorForemost Insurance Group is a major insurance carrier partner of Paddio Insurance. Products offered include home, auto, and specialty insurance lines. Located at 5600 Beech Tree Lane, Caledonia, MI 49316.
• Nationwide Mutual Insurance CompanycoreChannel Partner/ Reseller/ DistributorNationwide is an insurance carrier partner providing a wide range of insurance products through Paddio Insurance. Principal place of business at One Nationwide Plaza, Columbus, Ohio 43215.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorProgressive provides auto, boat, motorcycle, RV and other recreation lines insurance, as well as home and renters policies through Paddio Insurance. Serviced by Progressive Casualty Ins. Co. & its affiliates, Mayfield Village, OH.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorLiberty Mutual is an insurance carrier partner of Paddio Insurance offering various property and casualty products. Principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116.
• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCincinnati Insurance provides property and casualty coverages through Paddio Insurance. Coverages may be provided by The Cincinnati Insurance Company or its wholly owned subsidiaries. Principal place of business at 6200 S. Gilmore Road, Fairfield, OH 45014-5141.
• Tower Hill SpecialtyminorChannel Partner/ Reseller/ DistributorTower Hill Specialty is an insurance carrier partner providing specialty insurance products through Paddio Insurance. Located at 6281 Tri-ridge Blvd suite 320, Loveland, OH 45140.
• Universal Property (Universal Insurance Holdings, Inc.)minorChannel Partner/ Reseller/ DistributorUniversal Property provides property insurance products through Paddio Insurance. Part of Universal Insurance Holdings, Inc. Located at 1110 West Commercial Blvd., Fort Lauderdale, Florida 33309.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Policygenius: Digital insurance marketplace aggregating multiple carriers across life, home, and auto; offers online quotes with licensed advisor support. Closely comparable as a multi-line, multi-carrier consumer insurance intermediary.
• EverQuote: Online insurance marketplace that connects consumers with multiple carriers and agents across auto, home, and life. Operates a similar carrier-aggregated consumer acquisition model.
• SelectQuote: Multi-carrier insurance distributor specializing in life, auto, and home coverage through a direct-to-consumer digital and call-center model. Comparable agency-broker distribution platform serving similar consumer segments.
• The Zebra: Insurance comparison platform enabling consumers to compare quotes from multiple carriers across home and auto. Operates the same agency-broker intermediation model with a digital-first funnel.
• Paddio Insurance: Operates an identical independent insurance agency model offering home, auto, and specialty coverage with a similar multi-carrier panel (Foremost, Nationwide, Progressive, Liberty Mutual, Cincinnati) and bundling discounts. Direct functional peer in Columbia, MO with overlapping value proposition.

Emerging players

• CoverWallet: Digital insurance brokerage focused on small business commercial coverage with a multi-carrier platform. Comparable brokerage-as-platform business model, though oriented to commercial rather than personal lines.
• Gabi Insurance: Digital insurance agency that compares policies from multiple carriers with online quoting. Smaller and more auto-focused, but operates a comparable carrier-aggregation model.
• AARDY: Online insurance comparison and quote-aggregation platform for home and auto. Operates a comparable low-cost, multi-carrier consumer acquisition model in the personal lines market.

Broad incumbents

• USAA: Large direct writer of insurance and financial products exclusively serving military members, veterans, and their families. Highly relevant as a military-focused insurance incumbent that competes for the same target customer as a 'Military United'-branded agency.

Regional players

• Military.com Insurance: Military-focused consumer information and insurance referral service connecting service members with carriers and agents. Comparable military-affinity distribution channel serving the same niche customer base.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/paddioinsurance
• YouTubeyoutube.com/paddioinsurance
• Facebookfacebook.com/paddioinsurance
• Instagraminstagram.com/paddioinsurance

Revenue estimate

Valuation estimate

Number of profiles

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 Military United Insurance