Integrity Insurance and Financial Services

What Integrity Insurance and Financial Services does

Integrity Insurance and Financial Services is an independent insurance and financial advisory firm founded in 2004 and headquartered at 18330 Distinctive Drive in Orland Park, Illinois. The firm is co-founded and led by Managing Partner Richard Ziemianski, who is registered with Kovack Securities, Inc. (FINRA/SIPC member) and provides advisory services through Kovack Advisors, Inc., an SEC-registered investment adviser. The firm markets itself as a comprehensive, multifaceted advisory practice serving primarily individual and family clients in the Chicagoland area, with a stated commitment to a "limited number of clients" to deliver personalized service.

Its product suite spans insurance and investment lines. Insurance offerings include health insurance (Medicare Supplement, Medicare Advantage, Prescription Drug Plans, dental), life insurance (term, whole, universal, variable universal), and long-term care insurance (traditional and hybrid linked-benefit), with a dedicated Medicare-focused distribution site at insurewithintegrity.com. Investment offerings include mutual funds, individual stocks, annuities (deferred, immediate, equity-indexed, variable), and comprehensive asset management covering net worth tracking, retirement, estate, and tax planning. The firm also serves small to medium-sized businesses in Illinois with group health insurance and employee benefits packages.

The business model is built on three revenue streams: financial advisory and planning fees, insurance commissions on products sold, and transaction-based distribution of investment products through Kovack Securities. Pricing is not publicly disclosed and is determined through individual client consultations. Technology is limited to traditional third-party account access portals (American Funds, Voya, Genworth Financial, My Streetscape Brokerage) and an educational calculator library on the firm's website. There are no proprietary technology platforms, no public APIs, and no AI capabilities disclosed. The go-to-market is sales-led and relationship-driven, with no evidence of funding rounds, acquisitions, or external investors.

Name

Integrity Insurance and Financial Services

Legal name

Integrity Insurance and Financial Service

Website

https://integrityadvisers.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Independent Financial Advisory and Insurance Services

NAICS

Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Captive Insurance Advisory & Management (FSAEADAF), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Independent financial advisory
• Insurance agency services
• Retirement planning
• Asset management
• Medicare and long-term care

Headquarters

HQ city

Orland Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Planning Fees: The firm provides comprehensive financial planning services, charging fees for investment advisory, asset management, and financial planning consultations.
2. Insurance Commissions: As an independent insurance agency, the firm earns commissions on insurance products sold including life insurance, health insurance, Medicare plans, long-term care insurance, and annuity products.
3. Investment Product Distribution: The firm facilitates investment products including mutual funds, stocks, and asset management services, earning fees or commissions on these transactions through registered securities relationships.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Integrity Insurance and Financial Services is an independent, full-service insurance and financial advisory firm based in Orland Park, Illinois, that sells and advises on health insurance (including Medicare and group plans), life insurance, long-term care insurance, annuities, mutual funds, stocks, and asset management services. It delivers these offerings through personalized, one-on-one financial planning consultations focused on growing, conserving, and protecting client wealth over the long term.

Product overview

Integrity Insurance and Financial Services is an independent financial advisory firm offering a coordinated suite of insurance and investment products. Its core offerings span health insurance (including Medicare and group plans), life insurance (term, whole, universal, and variable life), and long-term care insurance (traditional and hybrid linked-benefit). Investment products include annuities, mutual funds, stocks, and asset management. Services are delivered through a managing partner and supported by a calculator library and account access portals linking to third-party platforms such as American Funds, Voya, Genworth Financial, and My Streetscape. The firm also maintains a separate Medicare-focused website at insurewithintegrity.com. Services are tailored to individual clients with a focus on long-term financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Health insurance products including Medicare Supplement Plans, Medicare Advantage Plans, Prescription Drug Plans, and dental insurance, as well as group health insurance plans for small to medium-sized businesses in Illinois.
• Life Insurance Life insurance products including term, whole, universal life, and variable universal life insurance designed to provide financial protection for beneficiaries.
• Long-Term Care Insurance Insurance policies providing benefits to cover nursing home care, home health care, and comprehensive care, with options including Traditional Long-Term Care Insurance and Hybrid (Linked-Benefit) insurance combining long-term care coverage with a life insurance policy or annuity.
• Annuities Annuity products including deferred annuities, immediate annuities, flexible premium annuities, single premium annuities, equity-indexed annuities, and variable annuities with tax-deferred growth and lifetime income options.
• Mutual Funds Mutual fund investment products pooled across stocks, bonds, and other securities, offering professional management and diversified portfolios.
• Stocks Individual stock investments in publicly traded companies, including common and preferred stock options with ownership shares, voting rights, and dividend distributions.
• Asset Management Comprehensive asset management and financial planning services covering net worth tracking, goals and objectives planning, property and asset management, liabilities, cash flow, investments, retirement planning, estate planning, tax planning, and insurance needs.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Integrity Marketing GroupflagshipStrategic or Co-development Partner · 19 November 2024Integrity Marketing Group, a related entity in the Integrity brand ecosystem, announced the acquisition of Innovative Underwriters from The Guardian Life Insurance Company of America, making it a division of Ash Brokerage. This partnership aims to enhance platform solutions for financial professionals and expand service offerings with technology and support systems.

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Edelman Financial Engines: Edelman Financial Engines is one of the largest US RIAs, providing comprehensive financial planning and investment advisory services to individuals and employer plan participants. It represents the scaled, national incumbent that local independent firms compete against for retirement plan and planning relationships.
• MassMutual: MassMutual is a broad incumbent mutual insurer selling life insurance, disability income, retirement income/annuities, and investment products through a national advisor network. Its product breadth and target market (individuals/families seeking protection and retirement solutions) overlap significantly with Integrity's.
• Lincoln Financial Group: Lincoln Financial provides life insurance, annuities, retirement plan services, and group benefits through advisors and institutional channels. Its mix of insurance and retirement/annuity products puts it in direct product competition with Integrity for retirement-focused clients.
• Northwestern Mutual: Northwestern Mutual is a major mutual insurer and wealth manager offering life insurance, disability income, annuities, and investment products through a captive advisor network. Its multi-line offering directly overlaps with Integrity's product set, though it operates at vastly larger national scale.
• Ameriprise Financial: Ameriprise Financial is a broad incumbent wealth manager and annuity provider serving individuals and small businesses through captive and franchise advisors. Its combination of financial planning, investment, and insurance/annuity products competes for the same retiree and affluent client base Integrity targets.
• New York Life: New York Life is a broad incumbent life insurer and registered investment advisor offering life insurance, long-term care, retirement income, and wealth management through its agent/advisor force. Its product portfolio closely mirrors Integrity's life, LTC, and annuity offerings.

Direct peers

• Cambridge Investment Research: Cambridge is a major independent broker-dealer supporting financial advisors who offer wealth management and insurance solutions to individuals and small businesses. It is a direct comparator in the independent, multi-product advisory category.
• LPL Financial: LPL Financial is the largest independent broker-dealer in the US, supporting independent advisors who sell insurance, annuities, and investment products to retail and small-business clients. It is structurally comparable to the type of platform Integrity would belong to or eventually align with.
• Cetera Financial Group: Cetera is a large independent broker-dealer and RIA support platform serving thousands of independent financial advisors with insurance, securities, and advisory infrastructure. It competes head-on for the same independent advisor–led, multi-product model that Integrity practices.
• Kovack Securities: Kovack Securities is the FINRA/SIPC broker-dealer through which Integrity Insurance and Financial Services' principal is registered and offers securities. It is the firm's primary channel for selling mutual funds, stocks, and annuities, making it a directly aligned partner/peer in independent advisory distribution.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Integrity_Advis

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Integrity Insurance and Financial Services