Alliance National Group

What Alliance National Group does

Alliance National Group (ANG), founded in 2018 and headquartered at One Penn Plaza in New York, is a privately held multi-line insurance and financial services distributor operating under the ANGdirect and ANGQuote brands. The company sells life insurance (mortgage protection, term, whole, universal, indexed universal life, accidental death, and guaranteed-issue final expense), health-related coverage (living benefits riders, disability income, long-term care), and wealth products (qualified retirement plans, flexible premium deferred annuities, indexed annuities, variable annuities, and mutual funds). It distributes across all 50 US states and is licensed to operate as Alliance National Group, LLC governed by New York law.

Name

Alliance National Group

Legal name

Alliance National Group, LLC

Website

https://angquote.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Life insurance distribution
• Insurance brokerage services
• Annuity distribution
• Final expense insurance
• Disability income insurance

Headquarters

HQ city

New York

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, Infrastructure

Revenue model

1. Insurance Commissions: Earns commissions from multiple insurance carriers for placing life insurance policies (term, universal, whole, indexed universal life, accidental death), disability income insurance, long-term care insurance, and living benefits riders. Commissions are earned at policy issuance and may include renewal commissions.
2. Annuity Distribution: Distributes annuity products including flexible premium deferred annuities, indexed annuities, and variable annuities, earning commissions from insurance carriers on premium deposits and ongoing fund values.
3. Mutual Fund Distribution: Securities and investment advisory services offered through Equity Services, Inc. (Member FINRA/SIPC), an affiliate of Alliance National Life Insurance Company. Mutual funds are sold by prospectus with commissions earned on transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Alliance National Group is a multi-carrier insurance distribution agency operating the ANGdirect/ANGQuote online platform. It distributes life insurance, disability income, long-term care, annuities, and mutual funds from multiple insurance carriers to individual consumers and small business owners across all 50 US states, earning commissions on policy placements.

Product overview

Alliance National Group operates ANGdirect, a direct-to-consumer insurance and financial services platform offering guaranteed lifetime income plans. The product portfolio spans three main categories: Life Insurance products (including Mortgage Protection, Term Life, Universal Life, Flexible Index Universal Life, Whole Life, and Accidental Death Insurance), Health Insurance products (Living Benefits riders, Disability Income, and Long Term Care Insurance), and Wealth/Retirement products (Qualified Plans, Flexible Premium Deferred Annuities, Indexed Annuities, Variable Annuities, and Mutual Funds). The platform provides both individual and business-oriented solutions through a unified online quote and sales platform, combining traditional insurance protection with retirement accumulation and wealth management products.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Protection Insurance Life insurance product that pays off mortgage payments in the event of serious illness, disability, or premature death, with living benefits, disability benefits, unemployment benefits, and return of premium options for homeowners.
• Guaranteed Issue Senior Life Insurance (Final Expense) Final expense whole life insurance for seniors aged 50-85 with no medical exam required, covering up to $25,000 for expenses such as medical bills, funeral costs, credit card debt, and mortgage payments.
• Term Life Insurance Life insurance with guaranteed death benefit for a fixed period with leveled premiums, designed for temporary financial protection needs such as large debts or mortgages.
• Flexible Index Universal Life (IUL) Life insurance combining death benefit protection with cash value accumulation tied to S&P 500 market index performance with downside protection guarantees.
• Universal Life Insurance Flexible life insurance with guaranteed minimum interest rate and potential for additional interest credits, designed for conservative consumers wanting guarantees.
• Whole Life Insurance Life insurance with guaranteed death benefit and cash value, level premiums that never change, and potential dividend payments from the carrier.
• Accidental Death Insurance (AD&D) Insurance providing financial benefits for death or injuries from covered accidents, offering peace of mind without requiring medical exams.
• Disability Income Insurance Insurance protecting 45-65 percent of income if the policyholder becomes too sick or hurt to work, available as short-term or long-term coverage.
• Long Term Care Insurance Insurance covering expenses for chronically ill individuals unable to perform daily activities, reimbursing for home health care, assisted living, or nursing home care.
• Qualified Plans Tax-favored business retirement plans including defined contribution plans (401(k), profit sharing) and defined benefit plans for business owners.
• Flexible Premium Deferred Annuity Tax-deferred annuity allowing deposits with flexible premiums over time, with fixed or indexed interest options for long-term retirement savings.
• Indexed Annuities Annuities that credit interest based on S&P 500 index performance with downside protection through minimum guarantees, offering potential for greater earnings than fixed annuities.
• Variable Annuities Tax-deferred retirement vehicles offering upside potential through securities market investments with choice of subaccounts and fixed income options.
• Mutual Funds Pooled investment vehicles including stock/equity funds, index funds, exchange traded funds (ETFs), growth funds, value funds, and international funds managed by professional money managers, offered through Equity Services, Inc.

Quantifiable outcome

• Coverage within 48 hours for final expense senior life insurance
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Equity Services, Inc.coreStrategic or Co-development PartnerBroker/Dealer and Registered Investment Adviser affiliate of Alliance National Life Insurance Company, offering securities and investment advisory services through Registered Representatives and Investment Adviser Representatives. Member FINRA/SIPC, located at One National Life Drive, Montpelier, VT 05604.

Scale indicators1 record

Recent moves2 records

Expansion highlights4 records

Broad incumbents

• QuinStreet: Public performance-marketing and online lead-generation company operating vertical marketplaces including insurance. Overlaps with ANG's marketing funnel and comparative insurance shopping intent capture, but operates more broadly across verticals.
• Globe Life: Public holding company (NYSE: GL) operating subsidiaries that distribute life and supplemental health insurance directly to middle-income consumers nationwide through agent networks. Comparable scale and target customer to Alliance National Group.
• Bankers Life: Subsidiary of CNO Financial Group and a major face-to-face life and health insurance distributor focused on the 50+ senior market. Closely analogous in distribution focus on seniors, agents-in-the-home model, and final expense products.

Direct peers

• SelectQuote: Public direct-to-consumer insurance distribution platform (NYSE: SLQT) that aggregates life, auto, home, and health products from multiple carriers through online quote flows, mirroring Alliance National Group's multi-carrier DTC model but at substantially larger scale.
• MediaAlpha: Programmatic insurance customer acquisition platform powering real-time bidding for life, auto, and health prospects among carriers and agents. Comparable in the digital distribution / multi-carrier aggregation layer that Alliance National Group's angquote.com site represents.
• EverQuote: Online insurance marketplace (Nasdaq: EVER) connecting consumers with carriers and agents across life, auto, home, and health. Operates a comparable lead-generation-to-distribution model serving the same buyer profile.
• Senior Market Sales: Independent marketing organization distributing senior-focused life, annuity, and LTC products through a national agent network. Highly comparable in business model, product mix (senior life + annuities + LTC), and multi-carrier distribution structure to ANGdirect.

Emerging players

• Ethos: Digital life insurance platform using simplified online underwriting and partner distribution (including agents). Overlaps as a digitally native competitor targeting the same simplified-issue life insurance end consumer.
• Haven Life: MassMutual-backed online term life insurance platform that issues policies directly to consumers without agent involvement. Represents the digital-direct disintermediation threat to traditional agency models like Alliance National Group.
• Bestow: Insurtech offering fully online term life insurance through partner agencies and direct channels using algorithmic underwriting. Competes for the same simplified-issue and digitally distributed life segment Alliance National Group serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

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 Alliance National Group