Kovarsky & Associates

What Kovarsky & Associates does

Kovarsky & Associates is an independent insurance brokerage headquartered in Jupiter, Florida, founded in 1990. The firm specializes in four insurance lines — Medicare (including Medigap and Medicare Advantage plans), Life Insurance, Long-Term Disability, and Long-Term Care — and serves individual consumers and small business owners throughout the state of Florida. Its core value proposition is independent brokerage access, working with multiple top-tier insurance carriers in each segment rather than being captive to a single carrier, which allows the firm to advise clients across plan options during Medicare open enrollment and other coverage decisions.

The firm's business model is commission-based brokerage revenue earned on policy placement with carrier partners; pricing is not publicly disclosed because premiums vary by client circumstance. The go-to-market motion is sales-led and direct-to-consumer, relying on a website (kovarskyassociates.com) for quote requests, a published phone line (561-575-1995), and an email newsletter for engagement, with no disclosed proprietary technology, mobile application, or AI tooling. Customer acquisition is primarily inbound from individuals seeking Medicare guidance or other coverage, supplemented by outreach to business owners for tax-advantaged LTC and disability buy-sell solutions.

The firm operates with 1–10 employees from a single Jupiter, Florida office and has been bootstrapped and owner-managed since founding. There is no disclosed funding, parent company, subsidiary structure, awards, patents, regulatory actions, or management team information in the source data. The ownership structure is not publicly stated, though continuity under the same name for 30+ years is consistent with founder-operated control.

Name

Kovarsky & Associates

Legal name

Kovarsky & Associates

Website

https://kovarskyassociates.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

Kovarsky & Associates is an independent Florida insurance brokerage founded in 1990, offering Medicare, Life, Disability, and Long-Term Care policies from multiple carriers to individual consumers and small business owners statewide.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Medicare insurance
• Life insurance
• Long-term disability insurance
• Long-term care insurance

Headquarters

HQ city

Jupiter

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

Revenue model

1. Insurance Brokerage Commissions: The company operates as an insurance broker earning commissions from multiple insurance carriers across Medicare, Life, Disability, and Long-Term Care insurance segments. Revenue is generated through placement of insurance policies for clients throughout Florida.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Kovarsky & Associates is an independent insurance brokerage that places Medicare, Life, Long-Term Disability, and Long-Term Care insurance policies for clients throughout Florida. As an independent broker, the firm works with multiple top insurance carriers in each segment to provide clients with a range of coverage options and personalized guidance through enrollment windows and product selection.

Product overview

Kovarsky & Associates is a Florida-based insurance brokerage offering a portfolio of insurance products through partnerships with multiple top insurance carriers. The company provides four core insurance products: Medicare (including Medigap and Medicare Advantage plans), Life Insurance, Long-Term Disability Insurance, and Long-Term Care Insurance. The firm serves clients throughout Florida, helping individuals and business owners find optimal coverage options tailored to their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Insurance Medicare insurance placement and advisory services for Medicare-eligible individuals, including Medicare Supplement (Medigap) and Medicare Advantage (Part C) plans, with guidance during annual open enrollment periods and prescription drug coverage selection.
• Life Insurance Life insurance placement for individuals and business owners covering mortgage payment protection, college tuition guarantees, buy-sell agreement funding, key employee protection, and generational wealth transfer.
• Long-Term Disability Insurance Long-term disability coverage that protects income during earning years for individuals and structures disability buy-sell agreements for business partners.
• Long-Term Care Insurance Long-term care insurance coverage with rate-stable policy options, including structures where premiums are tax-deductible as a business expense for business owners and eligible employees.

Segments4 records

Ideal customer profiles8 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.

• Top Insurance CompaniescoreOthersThe company works with the top insurance companies in each segment of insurance they serve, including Medicare, Life, Long-Term Care, and Disability. These carrier relationships enable them to provide the best available options for clients.

Scale indicators2 records

Recent moves3 records

Expansion highlights2 records

Direct peers

• HealthMarkets: Independent insurance agency connecting individuals, families, and small businesses with health, Medicare, life, and supplemental products from multiple carriers. Closely comparable in multi-product, multi-carrier brokerage model.
• SelectQuote: Direct-to-consumer insurance brokerage specializing in Medicare, life, and senior market products. Comparable in product mix (Medicare, Life, LTC) and sales-led, multi-carrier distribution model.
• eHealth: Online health insurance marketplace with strong Medicare plan comparison and enrollment tools. Comparable as a multi-carrier insurance broker serving individuals shopping for Medicare, individual, and family health coverage.
• GoHealth: National online Medicare-focused insurance broker that connects consumers with Medicare Advantage, Supplement, and prescription drug plans. Directly comparable as a Medicare plan distribution broker, though operating at much larger scale and digitally.

Broad incumbents

• Humana: Major Medicare Advantage carrier and one of the largest providers of Medicare plans in the U.S. Comparable through its distribution partnerships with independent brokers and its dominant position in the Medicare market Kovarsky & Associates serves.
• Bankers Life: Large national insurance agency focused on the senior market, distributing Medicare Supplement, Medicare Advantage, life, and long-term care products. Comparable customer base and product portfolio, but operates at significantly larger scale with career-agent distribution.
• Mutual of Omaha: Insurance carrier offering Medicare Supplement, long-term care, life, and disability products through independent broker distribution. Comparable as a key carrier partner for Kovarsky & Associates and a benchmark for product mix in the senior market.

Emerging players

• Liberty Medicare Advantage (agent/broker channel): Regional Medicare-focused broker and carrier network with Medicare Advantage and Supplement offerings. Comparable as a Medicare-focused independent brokerage, though with a more regional geographic orientation.
• QuoteWizard (owned by LendingTree): Insurance comparison platform that distributes consumer leads to agents and brokers across health, life, auto, and home categories. Comparable as an inbound lead source for an independent Medicare and life insurance brokerage.

Regional players

• Florida Blue (GuideWell): Florida-dominant health insurer with significant Medicare Advantage and Supplement plan presence in the same state Kovarsky & Associates serves. Comparable as a key carrier in the firm's distribution mix and a Florida competitor for Medicare market share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Kovarsky & Associates