Orange County Brokerage Insurance Services

What Orange County Brokerage Insurance Services does

Orange County Brokerage Insurance Services, Inc. (OCBIS) is a privately held wholesale insurance brokerage founded in 1976 and headquartered in Tustin, California, with a secondary office in Costa Mesa. The firm distributes life insurance, annuities, disability income, and long-term care products on behalf of 20+ top-tier carriers — including AIG, Prudential, Lincoln Financial, John Hancock, MetLife/Brighthouse, Pacific Life, Nationwide, and Transamerica — to independent insurance agents, financial planners, and stockbrokers, primarily in the California market with extended national reach via the Insurance Designers of America (IDA) partnership.

The platform combines a multi-carrier product shelf with a back-office processing stack: tele-underwriting integrations (APPLICINT-EXPRESS, AG Quick Ticket, Banner/L&G AppAssist, Lincoln National Life, Protective Life), paramed exam ordering through ExamOne, iPipeline-powered agent policy administration, Compulife and Vital Sales Suite for term/UL/annuity/LTC quote comparisons, a Virtual Sales Assistant resource portal, and a mobile application on iOS and Android. The core value proposition is removing post-sale administrative friction — medical exam ordering, attending physician statements, application completion — so that producing agents can focus on sales rather than paperwork, with the company claiming higher agent compensation enabled by technology-driven operational efficiency.

OCBIS earns revenue primarily through commissions from insurance carriers on policies placed through its brokerage platform (a transaction-fee model), supplemented by carrier incentive programs. The company is privately held, founder/owner-operated with a small staff of 1-10 employees, and discloses no external funding, M&A, or valuation events. The business model is structurally that of a long-tenured niche B2B intermediary in the wholesale life insurance distribution channel, dependent on its carrier appointment portfolio and its agent relationships rather than on direct consumer acquisition.

Name

Orange County Brokerage Insurance Services

Legal name

Orange County Brokerage Insurance Services, Inc.

Website

https://ocbis.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1–10 employees

Short description

Orange County Brokerage Insurance Services is a wholesale insurance brokerage founded in 1976 that distributes life insurance, annuities, disability income, and long-term care products from 20+ carriers to independent insurance agents, financial planners, and stockbrokers in California.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Wholesale insurance brokerage
• Life insurance distribution
• Annuity brokerage services
• Long-term care insurance
• Independent agent support

Headquarters

HQ city

Tustin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: OCBIS earns commissions from insurance carriers for policies placed through their brokerage platform. They differentiate by offering higher compensation to agents due to operational efficiency from technology investments. Commission structures include standard agency compensation with carrier incentive programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Orange County Brokerage Insurance Services operates as a wholesale insurance brokerage that distributes life insurance, annuities, disability income, and long-term care products from multiple top-tier carriers to independent insurance agents, financial planners, and stockbrokers. The company augments product placement with full back-office processing support — including paramed exam ordering, tele-underwriting, application packaging, policy service, and agent contracting — and equips agents with technology tools such as term-comparison programs, illustration engines, a Virtual Sales Assistant, and a mobile quoting app. Revenue is generated primarily through carrier-paid commissions on placed policies.

Product overview

Orange County Brokerage Insurance Services operates as an insurance brokerage platform providing a comprehensive suite of life insurance, annuity, disability income, and long-term care products to independent insurance agents. The core product portfolio includes Life Insurance (Term, Universal Life, Survivorship Life, Whole Life, IUL, Simplified Issue), Annuities (SPDA, FPDA, MYGA, FIA, SPIA), Disability Income Insurance, and Long Term Care Insurance. Supporting services include tele underwriting platforms (APPLICINT-EXPRESS, AG Quick Ticket, Banner/L&G AppAssist), paramed exam ordering through ExamOne, PDF application packages for multiple California carriers, policyholder services, and agent contracting/licensing support. Sales support tools include Compulife and Vital Sales Suite for quotes, a Virtual Sales Assistant, and a mobile app for on-the-go quoting and applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Products Comprehensive life insurance product portfolio including Term Insurance, Universal Life, Survivorship Life, Whole Life, Indexed Universal Life (IUL), and Simplified Issue products, offered through multiple carriers (AIG, Prudential, Lincoln Financial, John Hancock, Pacific Life, Nationwide, etc.) to independent insurance agents for placement to their clients.
• Annuity Products Annuity product suite distributed to agents and financial planners on behalf of multiple carriers, covering Single Premium Deferred Annuities (SPDA), Flexible Premium Deferred Annuities (FPDA), Multi-Year Guarantee Annuities (MYGA), Fixed Index Annuities (FIA), and Single Premium Immediate Annuities (SPIA).
• Disability Income Insurance Disability income protection products distributed to independent agents for client placement, including Individual Plans, Group Plans, and Critical Illness Plans for income replacement during disability.
• Long Term Care Insurance Long-term care insurance solutions distributed through OCBIS to independent agents and financial planners, including Traditional Tax Qualified Plans, California Partnership Plans, Linked Benefit Plans, and Annuity Multiplier products from carrier partners including ONE America AssetCare.
• California Application Packages Service California-specific insurance application packages aggregating carrier application forms from more than 20 carriers, providing agents with a single resource for compliant application submission in California.
• Tele Underwriting Services Electronic drop-ticket and tele-underwriting services connecting independent agents with multiple carriers including APPLICINT-EXPRESS (multi-carrier), AG Quick Ticket, Banner/L&G AppAssist, Lincoln National Life, and Protective Life tele-underwriting programs.
• Paramed Exam Ordering Service Outsourced paramedical examination scheduling and laboratory result retrieval service for insurance applicants, delivered in partnership with ExamOne to relieve agents of exam logistics.
• Policy Service In-force policy administration service for placed business, handling policy change forms, conversion forms, payment methods, lapsed notices, premium notices, death claims, and policy cancellations on behalf of agents and clients.
• Contracting & Licensing Support Agent contracting and licensing support service coordinating carrier appointments and continuing education requirements for independent insurance agents who place business through OCBIS.
• Illustration, Quote, and Carrier Rating Tools Subscription-based product comparison and illustration tools including term comparison programs, multi-company underwriting guidelines, carrier ratings, age calculation tools, and quote request forms for term, UL, LTC, disability income, and annuity products, powered in part by Compulife and Vital Sales Suite integrations.
• OCBIS Mobile App Free mobile app available on Android and iPhone that allows independent insurance agents to run quotes and submit life insurance applications for multiple carriers in minutes from a mobile device.
• Virtual Sales Assistant Online sales support portal providing sales concepts, specimen documents, client presentations, National Underwriters Tools and Techniques, fact finders, and tax information to assist independent agents in closing life and annuity sales.

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Insurance Designers of AmericacoreStrategic or Co-development PartnerOCBIS is a partner with Insurance Designers of America, a group of insurance brokerage companies covering the United States. This partnership extends their distribution reach and carrier access nationwide.
• American General (AIG)minorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Index UL and Term products through OCBIS brokerage platform for California applications.
• American National (ANICO)minorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Signature Guarantee UL and Term products through OCBIS.
• John HancockminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Protection IUL with LTC rider and Term products. Effective January 28, 2021, raised minimum face amount for term insurance to $750,000.
• Lincoln Financial GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Term and UL products through OCBIS for California.
• Pacific LifeminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering PL Promise Term products with competitive pricing and $500 incentive for every 5 policies sold through Q1.
• Protective LifeminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Term products with $100 incentive for qualifying life insurance policies before March 31, 2018.
• United of Omaha (Mutual of Omaha)minorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering GUL, Index UL, Term, Children's WL, and WL Living Promise products for California.
• PrudentialminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Term and UL products. Updates include changes to XPRESS applications tele-interview process.
• Banner/Legal & GeneralminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Application Package with AppAssist Request for interview services.
• Brighthouse Financial/MetLifeminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering Term and UL products for California.
• NationwideminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering IUL and Term products for California.
• North American CompanyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering ADDvantage Term, Custom Guarantee UL, Guarantee Builder IUL, and Rapid Builder IUL products.
• ONE America (AssetCare)minorChannel Partner/ Reseller/ DistributorLong-term care insurance partner offering AssetCare-4 and Annuity Care products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DMI (Dakotah Marketing Inc.): National insurance marketing organization distributing life insurance, annuities, and LTC products to independent agents. Comparable multi-carrier brokerage model focused on producer support and back-office services.
• Brokers International: National insurance brokerage and marketing organization offering life, annuity, and LTC products to independent agents with back-office support. Highly comparable in product mix and distribution model.
• Ash Brokerage: National insurance brokerage specializing in life insurance, annuities, and long-term care distribution to independent agents. Directly comparable in product mix, target customer (independent producers), and back-office support model.
• Highland Capital Brokerage: National insurance brokerage distributing life insurance, annuities, and disability income through independent agents. Closely comparable B2B model with multi-carrier access and back-office case design support.
• LifeMark Partners: National BGA distributing life insurance, annuities, and disability income to independent financial professionals with back-office and case design support. Comparable product set, channel, and value proposition.
• Centra Financial Services: Independent marketing organization distributing life insurance, annuities, and long-term care through independent agents with back-office case management. Closely analogous operating model to OCBIS.
• Insurance Designers of America: Strategic partner and parent affiliation group for OCBIS, IDA is a national network of independent insurance brokerage companies. Operates the Vital Sales Suite that OCBIS uses and provides comparable B2B brokerage services to independent agents.

Others

• iPipeline: Technology provider whose policy administration and data-view platform OCBIS uses. Enabling technology ecosystem player supporting similar BGA/IMO distribution operations across the industry.

Broad incumbents

• Integrity Marketing Group: Large national distributor of life and health insurance products with a broad portfolio of brokerage subsidiaries. While much larger, it competes in the same life/annuity/LTC distribution space with similar carrier relationships.
• National Western Life Insurance Group: Insurance carrier and distributor offering life insurance and annuity products through independent agents. While a carrier rather than pure broker, it represents one of OCBIS's distribution counterparts with overlapping target market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ocbis
• YouTubeyoutube.com/user/OCBIS/videos
• Facebookfacebook.com/OCBIS
• LinkedInlinkedin.com/company/orange-county-brokerage-insurance-services-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Orange County Brokerage Insurance Services