FTS Life Insurance Agency

What FTS Life Insurance Agency does

FTS Life Insurance Agency, Inc. is a privately held, independent insurance agency headquartered in Dallas, Texas, founded in 1985 and operating continuously for more than three decades. The firm originated within First Texas Savings bank branch operations and was reorganized as an independent agency as the bank was acquired and rebranded. FTS functions both as an annuity marketing organization (IMO) and a multi-line retail agency, distributing fixed and variable annuities, term and permanent life insurance, and personal property & casualty products including auto, homeowners, renters, motorcycle, RV, and umbrella coverage.

The agency operates a two-channel distribution model: (1) recruitment and support of independent insurance agents who place business through FTS, and (2) direct-to-consumer quote generation through its website. The technology stack consists entirely of third-party SaaS integrations — EZLynx for comparative P&C quoting, Xilo for life insurance form and data capture, and CalcXML for retirement and financial planning calculators — layered on a standard content/lead-capture website. There is no proprietary platform, no underwriting technology, and no internal data or AI assets described in the source material. The agency is appointed with multiple carriers including Oxford Life for annuity and life products.

FTS monetizes exclusively through insurance carrier commissions on placed policies. There are no disclosed subscription, fee, or SaaS revenue lines. The agency maintains a single physical office in Dallas, has no disclosed headcount, has not raised external capital, and discloses no financial metrics. Customer concentration appears entirely in the individual consumer and independent agent segments, with no enterprise or institutional accounts named in the available data.

Name

FTS Life Insurance Agency

Legal name

FTS Life Insurance Agency, Inc.

Website

https://ftslife.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

FTS Life Insurance Agency is a Dallas-based, privately held independent insurance agency founded in 1985 that distributes annuities, life insurance, and personal P&C products through independent agents and direct website quoting, earning revenue via carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Universal Life (UL) Insurance (FSAIABAB)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Fixed annuity products
• Life insurance policies
• Personal auto insurance
• Homeowners insurance
• Independent insurance agency

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency/marketing organization, FTS Life Insurance Agency earns revenue through commissions paid by insurance carriers (annuity providers, life insurance companies, auto/home insurers) for policies sold through their agent network and direct quote channels.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

FTS Life Insurance Agency is an independent insurance agency and annuity marketing organization that distributes fixed annuities, life insurance, and personal property and casualty insurance (auto, home, renters, motorcycle, RV, and umbrella) to individual consumers. It contracts with multiple insurance carriers, appoints independent agents to sell on its behalf, and uses comparative rating and agency management tools to quote and place coverage across most U.S. states.

Product overview

FTS Life Insurance Agency, Inc. operates as an independent insurance agency and annuity marketing organization headquartered in Dallas, Texas, with over 31 years of industry experience. The company offers a comprehensive portfolio of insurance and financial products organized into two main categories: (1) Annuity and Life Insurance products including Fixed Annuities, Variable Annuities, Term Life Insurance, and Permanent Life Insurance; and (2) Property and Casualty Insurance products including Auto Insurance, Homeowners Insurance, Renters Insurance, Motorcycle Insurance, and Recreational Vehicle Insurance. The agency also provides supplementary products and services such as Umbrella Insurance, a Secure Customer Portal for policy management, an Agent Contracting and Appointment Kit for insurance professionals, a Document Library with state-specific application forms, Financial and Insurance Calculators, an Insurance Glossary, and a Refer a Friend Program. The company functions as a marketing organization supporting independent insurance agents with a 60+ point due diligence checklist for product evaluation. The product ecosystem is primarily delivered through a web-based platform with quote forms, customer service forms, and a document library, supplemented by phone and in-person service from the Dallas office.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Annuities Fixed annuity products distributed through the agency to individual consumers seeking tax-deferred retirement income, placed via multiple insurance carrier relationships.
• Life Insurance Life insurance products marketed to individual consumers for personal protection and family financial security, placed through multiple insurance carriers.
• Auto Insurance Personal auto insurance coverage placed through multiple carriers, with instant online quoting available directly to consumers via the agency website.
• Home Insurance Homeowners insurance coverage placed through multiple carriers, with online instant quoting available directly to consumers via the agency website.
• Renters Insurance Renters insurance coverage for tenants, placed through the agency's carrier network for individual consumers.
• Motorcycle Insurance Motorcycle insurance coverage for individual owners, placed through the agency's carrier network.
• RV Insurance Recreational vehicle insurance coverage for individual owners, placed through the agency's carrier network.
• Umbrella Insurance Personal umbrella liability insurance providing excess liability coverage above underlying policy limits for individual consumers.
• Independent Agent Contracting and Appointments Program for independent insurance agents to contract with FTS and obtain appointments to sell fixed annuities, life insurance, and personal lines through the agency's multi-carrier network, with access to agency technology and back-office support.

Named customers2 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• Oxford Life InsurancecoreChannel Partner/ Reseller/ DistributorOxford Life Insurance is a carrier partner providing annuity and life insurance products available through FTS Life Agency. Application kits available for Arkansas, Illinois, Louisiana, Missouri, Oklahoma, South Carolina, and Texas markets. FTS Life offers Oxford Multi Select products after completing their due diligence process.
• EZLynxsupportingTechnology or IntegrationEZLynx Consumer Quoting platform used for instant home, auto, and renter insurance quotes on the FTS Life website.
• CalcXMLsupportingTechnology or IntegrationThird-party calculator provider for financial and insurance calculators including auto payments, credit, insurance (life insurance needs, annuity tax advantages, long-term care), home/mortgage, retirement, and taxation calculators.
• Insurance Website Builder (ITC)supportingTechnology or IntegrationWebsite platform provider powering the FTS Life Insurance Agency website with hosting, design, and accessibility features.
• XilosupportingTechnology or IntegrationForm provider used for life insurance quote requests and policy declaration page requests.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Regional players

• The Zebra: Austin-based insurance comparison platform with strong Texas presence that aggregates auto, home, and other P&C quotes from multiple carriers. Comparable to FTS's direct-to-consumer P&C focus and overlapping Texas market reach.

Broad incumbents

• Allstate: Major U.S. personal lines insurer with captive agents in Dallas selling auto, home, and life insurance. Comparable to FTS as a direct competitor in the Dallas-Fort Worth P&C market with overlapping product lines.
• Integrity Marketing Group: Aggregator of independent insurance marketing organizations (IMOs), agencies, and carriers serving senior and middle-market customers with life, annuity, and health products. Comparable to FTS as an IMO consolidator with similar product mix and distribution philosophy.
• State Farm: Largest U.S. personal lines insurer with a strong captive agent presence in Dallas-Fort Worth selling auto, home, and life insurance. Comparable to FTS as a direct competitor in the Dallas P&C market with overlapping product lines.
• Northwestern Mutual: Large U.S. life insurance and annuity carrier with a captive financial advisor/agent distribution model selling permanent life, term life, disability, and annuities. Comparable to FTS in its emphasis on permanent life insurance and tax-deferred annuity products distributed through advisors.
• New York Life: Major U.S. life insurance carrier with a captive agent distribution model selling whole life, term life, and annuity products. Comparable to FTS in its mix of life insurance and annuity distribution through a relationship-agent channel.

Direct peers

• Dougherty Financial Group: Annuity marketing organization supporting independent agents with fixed, fixed index, and immediate annuity products from multiple carriers. Comparable to FTS as a direct IMO peer offering similar back-office support, product due diligence, and agent contracting for annuity distribution.
• Bankers Life: Multi-line insurance agency distributing life insurance, annuities, Medicare supplement, and long-term care insurance to middle-income consumers. Comparable to FTS as a traditional agency model with annuities, life insurance, and an older demographic focus.
• Policygenius: Online insurance brokerage aggregating life, auto, home, disability, and pet insurance from multiple carriers. Comparable to FTS as an independent insurance agency distributing multi-carrier products, with a focus on term and permanent life insurance.
• SelectQuote: Online insurance platform that distributes term life, final expense, auto, and home insurance directly to consumers through digital channels. Directly comparable to FTS's direct-to-consumer distribution arm with similar product breadth across life and P&C lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/FTSLifeIns
• Facebookfacebook.com/FTSLifeInsurance
• LinkedInlinkedin.com/company/fts-life-insurance-agency-inc

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 FTS Life Insurance Agency