Cornerstone Senior Services
Cornerstone Senior Services is a privately held insurance distribution subsidiary of Guarantee Trust Life Insurance Company that recruits independent agents to sell Medicare, life, and annuity products from 200+ carriers to US seniors.
- Company typePrivate
- Founded1995
- HeadquartersGlenview, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Cornerstone Senior Services does
Cornerstone Senior Services is a privately held insurance distribution company founded in 1995 and headquartered at 1275 Milwaukee Ave, Glenview, Illinois. It operates as a dedicated senior-market subsidiary of Guarantee Trust Life Insurance Company (GTL), an insurer established in 1936. The company distributes health, life, and retirement insurance products exclusively to US seniors aged 65 and older, focusing on Medicare and supplemental health plans, final-expense and whole/universal/term life policies, and fixed and equity-indexed annuities, including specialty coverage for cancer, heart disease, and stroke.
Cornerstone's core product shelf is sourced from more than 200 third-party insurance carriers (including Aetna, Anthem, Humana, GTL, AIG, Athene, Nationwide, American Equity, and others) rather than built on proprietary underwriting. The company does not develop proprietary technology and leverages GTL's back-office infrastructure. Distribution is carried out through a recruited network of independent insurance agents who are equipped with prospecting systems, lead generation, turnkey marketing support, and weekly commission payments, with optional career paths into Financial Sales Representative and Managing Director leadership roles.
Revenue is generated through commissions on policies placed across the carrier shelf, with agents earning on personal sales and, in some structures, on company-wide sales growth bonuses. Pricing is not publicly disclosed and is set on a per-client basis by the underlying carriers; Cornerstone's value proposition is portfolio breadth (200+ carriers), senior-segment specialization, GTL's multi-decade financial backing, and a 20-year-plus track record of serving more than 80,000 seniors. Corporate headcount is reported at 1-10, with the broader agent network operating as independent contractors rather than employees.
Cornerstone Senior Services firmographics
Firmographics- Name
- Cornerstone Senior Services
- Legal name
- Cornerstone Senior Services
- Website
- https://whycornerstone.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cornerstone Senior Services is a privately held insurance distribution subsidiary of Guarantee Trust Life Insurance Company that recruits independent agents to sell Medicare, life, and annuity products from 200+ carriers to US seniors.
- Ownership category
- akta.pro rank
Cornerstone Senior Services industry classification
Industry- Product category
- Senior Insurance Distribution
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Benefits, Insurance & Entitlement Navigation (Medicare/Medicaid/VA/LTC) (HSABAIAG)
- akta.pro secondary industry
- Pensions & Retirement Benefits Administration (BPAIAKAA)
Keywords
Where Cornerstone Senior Services is headquartered
LocationHeadquarters
- HQ city
- Glenview
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cornerstone Senior Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Product Sales Commissions: Cornerstone agents sell health, life, and retirement insurance products from partnered carriers. Agents earn commissions on personal sales and often from company sales growth. Payments are made weekly based on individual and company sales success.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Cornerstone Senior Services product offering
Product offeringCore offering
Cornerstone Senior Services is an insurance distribution company that sells health, life, and retirement insurance products exclusively to seniors through a network of independent insurance agents. The company accesses products from more than 200 insurance carriers and distributes Medicare plans, supplemental coverage, ACA individual plans, life insurance (Final Expense, Whole Life, Universal Life, Term Life, Single Premium, Living Benefits), and retirement annuities (Tax Deferral, Fixed, Equity-Indexed). Agents are supported with prospecting systems, lead generation, and weekly commission payments.
Product overview
Cornerstone Senior Services is an insurance distribution company that operates as a subsidiary of Guarantee Trust Life Insurance Company (GTL). The company provides a portfolio of health insurance, life insurance, and retirement planning products exclusively for seniors. The core offerings consist of Health Care Plans (Medicare, supplemental, ACA individual, and employer coverage), Life Insurance products (Final Expense, Whole Life, Universal Life, Term Life, Single Premium, and Living Benefits), and Retirement Solutions (Tax Deferral plans, Fixed Annuities, and Equity-Indexed Annuities). The company also offers specialty products for cancer, heart disease, and stroke coverage. Cornerstone distributes these products through a network of independent agents who have access to over 200 insurance carriers, providing seniors with multiple options to meet their individual needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Health Care Plans
Companies that use Cornerstone Senior Services
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Cornerstone Senior Services technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cornerstone Senior Services partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered minor and core.
- AetnaminorAetna is one of the health insurance carriers whose products are available through Cornerstone agents for senior healthcare coverage needs.
- AnthemminorAnthem health insurance products are available through Cornerstone agents for senior healthcare coverage needs.
- Bankers FidelityminorBankers Fidelity products are available through Cornerstone for senior healthcare coverage needs.
- HumanaminorHumana health insurance products are available through Cornerstone agents for senior healthcare coverage needs.
- Guarantee Trust Life (GTL)coreGTL is the parent company of Cornerstone Senior Services. Since 1936, GTL has been committed to ensuring client security by offering health, accident, life and special risk insurance plans. Cornerstone is a subsidiary that offers policyholders many of the same solutions plus products from other carriers.
- MedicominorMedico health insurance products are available through Cornerstone agents for senior healthcare coverage needs.
- ThriventminorThrivent products are available through Cornerstone for senior healthcare coverage needs.
- AIGminorAIG life insurance products are available through Cornerstone agents for senior life insurance needs including final expense coverage.
- AmericominorAmerico life insurance products are available through Cornerstone for senior final expense and life coverage needs.
- Columbus LifeminorColumbus Life insurance products are available through Cornerstone for senior life insurance needs.
- EquitrustminorEquitrust life insurance products are available through Cornerstone for senior coverage needs.
- ForestersminorForesters life insurance products are available through Cornerstone for senior coverage needs.
- North AmericanminorNorth American life insurance products are available through Cornerstone for senior coverage needs.
- Royal NeighborsminorRoyal Neighbors life insurance products are available through Cornerstone for senior coverage needs.
- United Home LifeminorUnited Home Life insurance products are available through Cornerstone for senior coverage needs.
- United Omaha LifeminorUnited Omaha Life insurance products are available through Cornerstone for senior coverage needs.
- American EquityminorAmerican Equity annuity products are available through Cornerstone for senior retirement planning needs including fixed and indexed annuities.
- AnnexusminorAnnexus annuity products are available through Cornerstone for senior retirement planning needs.
- AtheneminorAthene annuity products are available through Cornerstone for senior retirement planning needs.
- Fidelity GuarantyminorFidelity Guaranty annuity products are available through Cornerstone for senior retirement planning needs.
- First Advisors NationalminorFirst Advisors National annuity products are available through Cornerstone for senior retirement planning needs.
- ForeThoughtminorForeThought annuity products are available through Cornerstone for senior retirement planning needs.
- NationwideminorNationwide annuity products are available through Cornerstone for senior retirement planning needs.
- One AmericaminorOne America annuity products are available through Cornerstone for senior retirement planning needs.
Scale indicators3 records
Recent moves4 records
Expansion highlights3 records
Cornerstone Senior Services competitors and assessment
Company assessmentDirect peers
- eHealth: Online Medicare and health insurance marketplace with carrier breadth comparable to Cornerstone's 200+ carrier access, though delivered through a digital channel rather than independent agents.
- GoHealth: Medicare-focused insurance distribution platform using a high-touch agent/enrollment model, overlapping directly with Cornerstone's core senior health distribution franchise.
- SelectQuote: Public senior-focused insurance distributor selling term life, final expense, Medicare, and ancillary products via inside sales agents — directly comparable to Cornerstone's agent-based, multi-carrier senior distribution model.
Broad incumbents
- Humana: Top Medicare Advantage carrier that also distributes via captive and independent agents; competes with Cornerstone both as a carrier partner and as a direct distribution competitor.
- Mutual of Omaha: Senior-focused insurer with strong Medicare Supplement and final expense franchises; comparable because it both supplies Cornerstone's agent channel and competes for the same end customer via direct distribution.
- UnitedHealthcare (Optum): Largest US health insurer with growing Medicare Advantage scale and integrated distribution; relevant because it both supplies Cornerstone with product and competes for senior customers via direct and agent channels.
- Aetna (CVS Health): Major Medicare and individual health carrier that distributes through agents like Cornerstone and through its own retail/MinuteClinic channels, creating both partnership and competitive overlap.
Emerging players
- Prosperity Life Group: Annuity and life insurance carrier focused on retirement-age consumers distributed through independent agents — overlapping with Cornerstone's retirement/annuity segment and agent channel.
- Bankers Fidelity: Senior-focused carrier offering Medicare Supplement and final expense products through independent agents; comparable as a niche carrier partner/competitor with overlapping agent distribution.
- AMBA (American Municipal Benefit Association): Membership association offering senior-focused supplemental insurance and final expense products through agent networks — comparable in customer base (65+) and agent-driven distribution model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Cornerstone Senior Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cornerstone Senior Services leadership team
Management profileNumber of profiles
Profiles2 records
Cornerstone Senior Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cornerstone Senior 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 Cornerstone Senior Services
What does Cornerstone Senior Services do?
Cornerstone Senior Services is an insurance distribution company that sells health, life, and retirement insurance products exclusively to seniors through a network of independent insurance agents. The company accesses products from more than 200 insurance carriers and distributes Medicare plans, supplemental coverage, ACA individual plans, life insurance (Final Expense, Whole Life, Universal Life, Term Life, Single Premium, Living Benefits), and retirement annuities (Tax Deferral, Fixed, Equity-Indexed). Agents are supported with prospecting systems, lead generation, and weekly commission payments.
Is Cornerstone Senior Services a public or private company?
Cornerstone Senior Services is a private company. It is classified as corporate owned and is currently operating.
When was Cornerstone Senior Services founded?
Cornerstone Senior Services was founded in 1995. It employs 1 to 10 people.
Where is Cornerstone Senior Services based?
Cornerstone Senior Services is headquartered in Glenview, United States, in the North America region.
How does Cornerstone Senior Services make money?
One revenue line is on record: insurance Product Sales Commissions.
Who are Cornerstone Senior Services's main competitors?
Direct peers on record are eHealth, GoHealth and SelectQuote. Broad incumbents are Humana, Mutual of Omaha, UnitedHealthcare (Optum) and Aetna (CVS Health). Emerging players are Prosperity Life Group, Bankers Fidelity and AMBA (American Municipal Benefit Association).
Does Cornerstone Senior Services have an API?
No public API is recorded for Cornerstone Senior Services.
What industry is Cornerstone Senior Services in?
Cornerstone Senior Services's product category is Senior Insurance Distribution. Its primary akta.pro industry code is HSABAIAG, Benefits, Insurance & Entitlement Navigation (Medicare/Medicaid/VA/LTC), with a secondary code of BPAIAKAA, Pensions & Retirement Benefits Administration. Its NAICS code is 52411 and its SIC code is 6411.