Caress Insurance Agency
Caress Insurance Agency is an independent, commission-based insurance brokerage serving Western U.S. consumers and small/mid employers with Medicare Advantage, Medicare Supplement, Part D, under-65 health, supplemental, and employee benefits products across 8 carrier partners.
- Company typePrivate
- Founded2010
- HeadquartersIndio, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Caress Insurance Agency does
Caress Insurance Agency, LLC is an independent insurance agency headquartered in Bermuda Dunes, California, with a second location in Star Valley Ranch, Wyoming, serving clients across the Western United States. The firm was founded in 2010 by owner Tom Caress and operates as a multi-line health and benefits broker with a 51-100 employee footprint (per firmographics), though the disclosed named team is small and lean (owner, sales/marketing, contracting/licensing, accounting/customer service, plus Matt Caress identified as Vice President).
The agency's product portfolio centers on Medicare (Advantage/Part C, Supplement/Medigap, and Part D prescription drug plans) and is supplemented by under-65 individual health and supplemental coverage (dental, vision, accident, critical illness, telemedicine, travel) and an Employee & Voluntary Benefits practice targeting small and mid-sized employers with group health, life, AD&D, dental, vision, 401(k), disability, and cafeteria plans. Distribution is omnichannel: a website with education-focused content and an online quote form, phone-based inside sales (primary phone 760-413-9749), a self-service Medicare shopping portal via destinationrx.com, and a recruited network of independently contracted insurance agents. The firm provides no proprietary technology platform; its technology stack is limited to standard website, email, and the third-party destinationrx portal.
The business model is a no-cost-to-client agency model: services and consultations are free to consumers, and the agency is compensated entirely by commissions paid by the insurance carriers it represents. It holds appointments with 8 core carrier organizations offering 75 products in its service area (with 13 named carrier partners total, including UnitedHealthcare, Anthem, Humana, Aetna, Mutual of Omaha, Blue Shield of California, Covered California, Alignment Health Plan, Brand New Day, Delta Dental, SCAN Health Plan, SilverScript, and Transamerica). Customer acquisition is education-led, emphasizing Medicare decision support, side-by-side plan comparisons, and enrollment guidance rather than direct marketing of a proprietary product.
Caress Insurance Agency firmographics
Firmographics- Name
- Caress Insurance Agency
- Legal name
- Caress Insurance Agency, LLC
- Website
- https://caressinsurance.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Caress Insurance Agency is an independent, commission-based insurance brokerage serving Western U.S. consumers and small/mid employers with Medicare Advantage, Medicare Supplement, Part D, under-65 health, supplemental, and employee benefits products across 8 carrier partners.
- Ownership category
- akta.pro rank
Caress Insurance Agency industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)
- akta.pro secondary industries
- Medicare Member Engagement & Care Management (Utilization, Case/Disease Mgmt) (FSAIAGAL), MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG)
Keywords
Where Caress Insurance Agency is headquartered
LocationHeadquarters
- HQ city
- Indio
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Caress Insurance Agency business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Insurance Carrier Commissions: Agency provides insurance sales and consultation services at no cost to customers. Revenue is generated through commissions paid by the insurance carriers they represent, including UnitedHealthcare, Anthem, Humana, Healthnet, Mutual of Omaha, Aetna, and others.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free consultation and plan selection services |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Caress Insurance Agency product offering
Product offeringCore offering
Caress Insurance Agency is an independent insurance brokerage that provides no-cost consultation and enrollment assistance for Medicare Advantage Plans (Part C), Medicare Supplement Insurance (Medigap), Medicare Part D Prescription Drug Plans, individual health insurance for those under 65, supplemental insurance products (dental, vision, life, accident, critical illness), and employee/voluntary benefits for small and mid-sized employers. The agency is compensated through commissions paid by the insurance carriers it represents, including UnitedHealthcare, Anthem, Humana, Aetna, Blue Shield of California, Mutual of Omaha, and others.
Product overview
Caress Insurance Agency, LLC is an independent insurance agency offering a comprehensive portfolio of Medicare and health insurance products and services. The core offering centers on three main Medicare product lines: Medicare Advantage Plans (Part C), Medicare Supplement Insurance Plans (Medigap), and Medicare Part D Prescription Drug Plans, supplemented by individual health insurance for those under 65, employee and voluntary benefits, and supplemental insurance plans. The agency operates on a no-cost-to-client model, with compensation received from the insurance carriers it represents (Aetna, Alignment Health Plan, Blue Shield of California, Brand New Day, Covered California, Delta Dental, Humana, IAC, Mutual of Omaha, SCAN Health Plan, SilverScript, and Transamerica). The agency serves clients across the Western United States with locations in California (Bermuda Dunes) and Wyoming (Star Valley Ranch).
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage Plans
Quantifiable outcome
- Helped thousands of seniors and individuals with Medicare Insurance and Individual medical plan selection
- +1 more outcomes
Companies that use Caress Insurance Agency
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Caress Insurance Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Caress Insurance Agency partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- UnitedHealthcarecoreMajor national health insurance carrier represented by the agency. Provides Medicare Advantage, Medicare Supplement, and other health insurance products through independent agents.
- AnthemcoreMajor health insurance carrier represented by the agency for Medicare and health insurance products.
- HumanacoreNational health insurance company represented by the agency offering Medicare Advantage and other health coverage.
- AetnacoreMajor insurance carrier partnership for Medicare Advantage, health insurance, and related products.
- Mutual of OmahacoreInsurance carrier represented offering Medicare Supplement and other insurance products.
- Blue Shield of CaliforniacoreCalifornia-based health insurance carrier offering Medicare and individual health plans in the Western US region.
- Alignment Health PlanminorMedicare Advantage plan provider partnership for serving seniors in specific markets.
- Brand New DayminorMedicare Advantage plan provider partnered for offering additional plan options.
- Covered CaliforniacoreCalifornia health insurance marketplace partnership for individual and family coverage under the ACA.
- Delta DentalminorDental insurance carrier partnership for supplemental dental coverage products.
- SCAN Health PlanminorMedicare Advantage plan provider specializing in care for seniors.
- SilverScriptminorMedicare Part D Prescription Drug Plan provider partnership.
- TransamericaminorInsurance carrier partnership for life insurance and related financial products.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Caress Insurance Agency competitors and assessment
Company assessmentDirect peers
- eHealth: Public online health insurance marketplace with deep Medicare plan comparison and enrollment functionality. Comparable on customer base (Medicare-eligible seniors) and multi-carrier distribution, though more technology-led than agency-led.
- QuoteWizard (LendingTree): Insurance comparison platform within LendingTree enabling consumers to shop and compare multiple carriers. While skewed to auto/home, it operates the same carrier-aggregator distribution model relevant to Caress's group benefits and individual health lines.
- Senior Market Sales: Leading insurance marketing organization (IMO) for senior market products, contracting and supporting thousands of independent agents distributing Medicare, life, and annuity products. Closest peer for the agency's independent agent recruitment model.
- GoHealth: Public Medicare-focused insurance brokerage and enrollment platform distributing MA, Medigap, and Part D products via call centers and online tools. Closest public comparable given shared customer segment and commission-based distribution model.
- Benefytt Technologies: Technology-enabled health insurance distributor (formerly Health Insurance Innovations / HIIQ) focused on individual, family, and Medicare distribution. Comparable on multi-carrier consumer distribution across the same regulated product lines.
- SelectQuote: Public insurance distribution platform heavily skewed to Senior (Medicare) and Life lines, operating a telesales-led independent agent model. Directly comparable on Medicare distribution motion and demographic customer focus.
- HealthPlanOne: Medicare-focused insurance agency selling MA, Medigap, and Part D through call-center agents and online channels. Comparable on customer segment, multi-carrier distribution, and agent-driven sales motion.
Emerging players
- Medicare.com: Medicare education and lead-generation site that connects consumers to licensed insurance agents. Comparable as a digital funnel into Medicare distribution, though not a direct competing agency.
- Assurance (an Intuit company): Tech-enabled insurance brokerage distributing individual, family, Medicare, and small-group products via an online platform. Comparable on the digital-brokerage motion serving seniors and small employers.
Regional players
- TFA Financial (TFA Benefits): Independent California-based insurance and benefits agency offering Medicare, group, and individual health products. Comparable as a regional independent agency competitor in the same Western U.S. service territory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Caress Insurance Agency social profiles
Digital presenceCaress Insurance Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Caress Insurance Agency leadership team
Management profileNumber of profiles
Profiles6 records
Caress Insurance Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Caress Insurance Agency 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 Caress Insurance Agency
What does Caress Insurance Agency do?
Caress Insurance Agency is an independent insurance brokerage that provides no-cost consultation and enrollment assistance for Medicare Advantage Plans (Part C), Medicare Supplement Insurance (Medigap), Medicare Part D Prescription Drug Plans, individual health insurance for those under 65, supplemental insurance products (dental, vision, life, accident, critical illness), and employee/voluntary benefits for small and mid-sized employers. The agency is compensated through commissions paid by the insurance carriers it represents, including UnitedHealthcare, Anthem, Humana, Aetna, Blue Shield of California, Mutual of Omaha, and others.
Is Caress Insurance Agency a public or private company?
Caress Insurance Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Caress Insurance Agency founded?
Caress Insurance Agency was founded in 2010. It employs 51 to 100 people.
Where is Caress Insurance Agency based?
Caress Insurance Agency is headquartered in Indio, United States, in the North America region.
How does Caress Insurance Agency make money?
One revenue line is on record: insurance Carrier Commissions.
Who are Caress Insurance Agency's main competitors?
Direct peers on record are eHealth, QuoteWizard (LendingTree), Senior Market Sales, GoHealth, Benefytt Technologies, SelectQuote and HealthPlanOne. Emerging players are Medicare.com and Assurance (an Intuit company). TFA Financial (TFA Benefits) is listed as a regional player.
Does Caress Insurance Agency have an API?
No public API is recorded for Caress Insurance Agency.
What industry is Caress Insurance Agency in?
Caress Insurance Agency's product category is Insurance Brokerage Services. Its primary akta.pro industry code is HLAEADAH, Medigap Member Support & Care Navigation (Advocacy/Concierge), with a secondary code of FSAIAGAL, Medicare Member Engagement & Care Management (Utilization, Case/Disease Mgmt). Its NAICS code is 52421 and its SIC code is 6411.