Just Us Insurance

What Just Us Insurance does

Just Us Insurance is a privately held, family-owned independent insurance brokerage headquartered in San Marcos, California. The firm specializes in Medicare-related insurance products — Medicare Advantage Plans (Part C), Medicare Supplement (Medigap) policies, and Medicare Part D Prescription Drug Plans — alongside a broader portfolio that includes individual and family health insurance (including Covered California and private plans), group health, self-employed health, short-term medical, dental, critical illness, accident and injury coverage, and an extensive life insurance and annuity product suite. The firm is led by a father-daughter team of licensed agents, Justus 'Jay' Gray (President) and Heather Gray, supported by a total headcount in the 11–50 range, and operates as a Doing-Business-As under 'Just Us Insurance' and 'Just Us Health Insurance.'

The business model is commission-based: agents provide consultations at no cost to clients and are compensated directly by insurance carriers upon policy placement. Just Us Insurance holds appointments with 15 carriers including United Healthcare, Humana, Blue Shield, Anthem Blue Cross, Aetna, and SCAN, providing access to over 1,000 national plans across 30 states. The go-to-market is sales-led, relying on direct agent outreach via phone and in-home appointments, with the active service footprint concentrated in San Diego, Riverside, San Bernardino, and Orange Counties in Southern California. Marketing is local-focused, combining educational blog content and city-specific SEO pages with direct phone contact (877-777-7055). The firm does not publicly disclose revenue, has no institutional investors, no parent company, and has no record of acquisitions, funding rounds, or major corporate actions across the available data.

Name

Just Us Insurance

Legal name

Just Us Insurance

Website

https://insr4u.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Just Us Insurance is a family-owned independent insurance brokerage in San Marcos, California, specializing in Medicare, health, life, and dental insurance for individual consumers and small groups across Southern California.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Medicare insurance brokerage
• Health insurance broker
• Life insurance broker
• Annuity products
• Independent insurance agent

Headquarters

HQ city

San Marcos

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Company operates as an independent insurance broker receiving commissions from insurance carriers for policy placements. Services are provided at no cost to clients - compensation comes directly from the insurance companies. Represents 15 insurance carriers offering over 1000 national plans across 30 states.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Just Us Insurance is an independent insurance brokerage that represents 15 insurance carriers offering over 1,000 national plans across 30 states. The company sells Medicare Advantage, Medicare Supplement, Medicare Part D, individual/family health insurance, group health insurance, dental, critical illness, accident coverage, term/whole/universal life insurance, key person life, final expense, and multiple annuity products through licensed agents at no cost to clients, with compensation paid via carrier commissions.

Product overview

Just Us Insurance is an independent insurance brokerage offering a comprehensive portfolio of insurance and financial products. The core offering centers on Medicare insurance solutions including Medicare Advantage Plans (Part C), Medicare Supplement Plans (Medigap), and Medicare Part D Prescription Drug Plans. Beyond Medicare, the company provides Individual & Family Health Insurance (including Covered California and private plans), Group Health Insurance, Self-Employed Health Insurance, Short-Term Medical Insurance, Dental Insurance, Critical Illness Insurance, and Accident/Injury Insurance. The life insurance portfolio includes Term Life, Universal Life, Whole Life, Permanent Life, Joint Life, Survivorship Life, Key Person Life, and Final Expense Insurance. The company also offers a full range of annuity products (Immediate, Fixed, Indexed, Variable, and CD Annuities) for retirement planning. A distinctive service offering is Medicare Home Appointments, providing in-person consultations for clients in Southern California. The company represents 15 insurance carriers offering over 1,000 national plans.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Advantage Plans
• Medicare Supplement Plans (Medigap)
• Medicare Part D Prescription Drug Plans
• Individual & Family Health Insurance
• Group Health Insurance
• Self-Employed Health Insurance
• Short-Term Medical Insurance
• Dental Insurance
• Critical Illness Insurance
• Accident and Injury Insurance
• Term Life Insurance
• Universal Life Insurance
• Whole Life Insurance
• Permanent Life Insurance
• Joint Life Insurance
• Survivorship Life Insurance
• Key Person Life Insurance
• Final Expense Insurance
• Immediate Annuity
• Fixed Annuity
• Indexed Annuity
• Variable Annuity
• CD Annuity
• Medicare Home Appointments

Quantifiable outcome

• Services provided at no cost to clients - compensated directly by insurance carriers

Named customers3 records

Segments3 records

Ideal customer profiles3 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.

• 15 Insurance CarrierscoreChannel Partner/ Reseller/ DistributorRepresents 15 insurance carriers including major providers such as United Healthcare, Humana, Care1st, Blue Shield, Anthem Blue Cross, Aetna, and SCAN, offering access to over 1000 national plans across 30 states.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SelectQuote: Independent insurance brokerage specializing in life and Medicare insurance with multi-carrier representation and direct-to-consumer sales. Highly comparable to Just Us as a Medicare-focused brokerage model, though operating at much larger national scale.
• GoHealth: Medicare-focused health insurance marketplace connecting beneficiaries with carriers through licensed agents. Closely comparable in product mix (Medicare Advantage, Supplements, Part D) and agent-led distribution model, though with technology-enabled national scale.
• eHealth: Online health insurance marketplace offering Medicare, individual/family, and ancillary products across multiple carriers. Comparable in multi-product brokerage model and carrier-agnostic positioning, with stronger technology and digital channels.
• HealthMarkets: Independent insurance agency representing multiple carriers to offer health, Medicare, life, and supplemental products. Comparable in agent-led, multi-carrier brokerage model and broad product portfolio similar to Just Us.
• Medicare.com: Online Medicare comparison and brokerage platform. Directly comparable as a Medicare-focused intermediary connecting beneficiaries with multiple carriers, with similar product coverage in Advantage, Supplements, and Part D.
• Bridge Insurance Advisors: Independent Medicare and insurance brokerage offering personalized agent consultations. Comparable in family/small-team brokerage structure with multi-carrier representation and consultative sales approach.

Broad incumbents

• UnitedHealthcare: Largest US health insurer and Medicare Advantage carrier. One of Just Us's represented carrier partners and a broad incumbent that competes with brokers via direct-to-consumer enrollment channels.
• Humana: Top-tier Medicare Advantage insurer and one of Just Us's represented carriers. Competes both as a partner and increasingly as a direct-to-consumer alternative to independent brokers.
• Aetna: Major national health insurer offering Medicare Advantage, Supplements, and Part D. One of Just Us's represented carrier partners and a broad incumbent in the same product categories.
• Anthem Blue Cross: Large multi-state Blue Cross Blue Shield plan offering Medicare and individual health products in California. One of Just Us's represented carriers and a broad incumbent competitor in the SoCal market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/just-us-insurance-services-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Just Us Insurance