What Eagle Shadow Life & Annuity does

Eagle Shadow Life & Annuity is a privately held, founder-owned independent insurance agency headquartered in Buda, Texas, serving the Austin and San Antonio metropolitan areas. The agency distributes fixed indexed annuities, term life insurance, and universal life insurance products sourced from more than ten third-party insurance carriers, with owner and President Chad Owen acting as the principal producer. The firm generates commission revenue on placed policies, and the core product set is positioned around principal protection, tax-deferred growth linked to market performance (without downside), and guaranteed lifetime income for pre-retirees and retirees, with term and permanent life products layered for families, small business owners, and high-net-worth estate planning needs.

The agency operates a person-to-person, consultation-led sales model supported by a multi-channel acquisition strategy. The flagship channel is "Safe Money Radio," a weekly radio program hosted by Chad Owen on WOAI 1200 AM and KTSA 550 AM, which functions as the primary top-of-funnel driver. The firm supplements this with community cause partnerships (Central Texas Children's Home and Compassion International, each triggered by $10 donations per quote referral), a monthly "Our Hometown Magazine," and a curated Concierge Business Directory of local service providers. It also operates the Retirement Realized Agents Academy, an agent training program. All distribution is direct-to-consumer in the Austin/San Antonio region; there is no proprietary technology platform, no app, no disclosed AI capabilities, and no headcount or revenue data publicly available. Owen is also the founder of affiliated entities Retirement Realized Financial and the Retirement Realized Agents Academy, suggesting a founder-led, multi-brand operating model rather than a single corporate entity.

Name

Eagle Shadow Life & Annuity

Legal name

Eagle Shadow Life & Annuity

Website

https://eagleshadowlifeandannuity.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Eagle Shadow Life & Annuity is a privately held, founder-owned independent insurance agency in Buda, Texas, distributing fixed indexed annuities and life insurance products from 10+ carriers to pre-retirees, retirees, families, and small business owners in the Austin/San Antonio metro.

Ownership category

akta.pro rank

Product category

Retirement and Life Insurance Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industry

Universal Life (UL) Insurance (FSAIABAB)

Keywords

• Fixed indexed annuities
• Life insurance products
• Retirement planning services
• Annuity sales agency
• Retirement income solutions

Headquarters

HQ city

Buda

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

Revenue model

1. Fixed Indexed Annuity Sales: Commission-based revenue from selling fixed indexed annuities that provide principal protection, tax-deferred growth, and guaranteed lifetime income options.
2. Life Insurance Sales: Commission revenue from term life insurance and universal life insurance products. Term life provides temporary coverage while universal life offers permanent protection with flexible premiums and cash value accumulation.
3. Referral Program Revenue: Referral-based customer acquisition where the company donates to community causes on behalf of referred customers who get quotes, creating community goodwill and customer acquisition simultaneously.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Eagle Shadow Life & Annuity is an independent insurance agency that sells Fixed Indexed Annuities, Term Life Insurance, and Universal Life Insurance to individual consumers. The agency represents 10+ insurance carriers and delivers products through a consultation-based sales model focused on principal protection, tax-deferred growth, guaranteed lifetime income, and life insurance coverage for the Austin and San Antonio Texas market.

Product overview

Eagle Shadow Life & Annuity is an independent insurance agency specializing in retirement planning and insurance products. The company offers a portfolio of three core insurance products: Fixed Index Annuities (providing principal protection with market-linked growth potential), Term Life Insurance (temporary coverage for 1-30 years), and Universal Life Insurance (permanent coverage with flexible premiums and cash value accumulation). The company is led by Owner and President Chad Owen, who is recognized as a top Safe Money and Income Expert in the nation. Beyond core insurance products, the company provides complementary services including Safe Money Radio (educational radio programming), Our Hometown Magazine (community publication), a Rewards Program (referral-based community cause donations), a Concierge Program (local business directory), and the Retirement Realized Agents Academy (agent training). The company positions itself as an independent agency providing expert guidance on retirement solutions and income protection.

Differentiator

Problem solved

Functional benefit

Brands

• Safe Money Radio: Radio show hosted by Chad Owen discussing safe money and retirement planning strategies
• Retirement Realized Agents Academy
• Retirement Realized Radio

Products and services

• Fixed Index Annuities Insurance products designed to provide principal protection, tax-deferred growth potential linked to stock market performance, and guaranteed lifetime income options. They allow participation in stock market gains while protecting against losses, targeted at pre-retirees and retirees seeking safe-money retirement solutions.
• Term Life Insurance Temporary life insurance coverage for a specified period of time (1-30 years) that pays a death benefit to beneficiaries if the insured passes away during the term, intended for families with dependents needing affordable coverage for mortgage protection, income replacement, or college funding.
• Universal Life Insurance Permanent life insurance providing lifetime protection and flexible premiums, combined with a tax-advantaged savings component that earns interest. Suited to high net worth individuals and small business owners needing permanent coverage, estate planning tools, buy-sell funding, and supplemental retirement income.

Quantifiable outcome

• Protected over $300M+ in client retirement savings since 2008
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Central Texas Children's Home (CTCH)coreGTM or Marketing Partner · 31 October 2023Community cause partnership supporting children who have endured trauma, abuse, neglect, and abandonment. Eagle Shadow Life & Annuity donates $10 per quote referral to CTCH. Company actively promotes CTCH through its community cause program and website content.
• Compassion InternationalcoreGTM or Marketing Partner · 1 June 2023Global child sponsorship organization with over 60 years of experience in poverty alleviation and holistic child development. Eagle Shadow Life & Annuity supports Compassion through $10 donations per quote referral, aligning brand with charitable cause marketing.
• WOAI 1200 AMcoreGTM or Marketing PartnerSan Antonio-based radio station broadcasting Safe Money Radio hosted by Chad Owen on Sundays 8-9am & 2-3pm. Radio show is a primary customer acquisition and brand-building channel.
• KTSA 550 AMcoreGTM or Marketing PartnerSan Antonio/Austin-area radio station broadcasting Safe Money Radio on Sundays 4:30-6pm. Complements WOAI station for broader Texas market reach.
• Retirement Realized Agents AcademyminorStrategic or Co-development PartnerTraining academy created by Chad Owen to teach insurance agents how to offer client solutions with ethics and integrity. Trains agents to become successful the right way.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Western & Southern Financial Group: Insurance conglomerate with strong indexed annuity and life insurance product suites and a large independent-agent distribution network. Comparable as a likely carrier partner and as a benchmark for product economics in the indexed annuity space.
• Lincoln Financial Group: Major insurance carrier with significant indexed annuity and life insurance franchises distributed through independent agents. Comparable as part of the carrier ecosystem Eagle Shadow represents to end customers.
• Thrivent Financial: Fraternal financial services organization serving middle-income clients with retirement, annuity, and life insurance products through a nationwide financial advisor network. Comparable in its retail retirement-and-life distribution, though materially larger and member-owned.
• Bankers Life: Large insurance agency focused on middle-income pre-retirees and retirees, distributing annuities and life insurance. Comparable as a retirement-product distribution agency, though Bankers Life operates at national scale rather than a regional one-office footprint.

Direct peers

• SelectQuote: Direct-to-consumer insurance agency that distributes term life, final expense, and annuities via multi-channel lead acquisition. Comparable as an independent agency selling similar products, though SelectQuote operates at much larger scale with a technology-led acquisition engine.
• CreativeOne: Independent insurance marketing organization focused on retirement planning, annuities, and life insurance, working with hundreds of agents. Comparable in independent distribution of similar products, though with a multi-agent model rather than a sole-principal agency.
• Senior Market Sales: Independent marketing organization (IMO) that works with insurance agents to place annuities and life insurance across multiple carriers. Most directly comparable to Eagle Shadow's independent-agent distribution model anchored in fixed indexed annuities.

Others

• F&G Annuities & Life: Specialty insurer focused on indexed annuities and life insurance distributed through independent agents. Comparable as a potential carrier partner for Eagle Shadow and as a reference point for indexed-annuity product economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eagle-shadow-life-annuity

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 Eagle Shadow Life & Annuity