Alex S. Joseph Associates

What Alex S. Joseph Associates does

Alex S. Joseph Associates, Inc. is a privately-held, family-owned wholesale insurance brokerage founded in 1960 and headquartered at 5793 Widewaters Parkway in Dewitt, New York (Syracuse area). The firm operates a B2B distribution model, serving licensed insurance agents and brokers rather than end consumers, with a five-person team led by President Frances H. Joseph and Vice President Alex "Lex" Joseph, Jr. Its core product shelf spans term and guaranteed universal life, permanent life, single premium immediate annuities (SPIA), multi-carrier annuity quoting, long-term care, disability income, and special risk case placement for non-standard insureds, sourced through appointments with dozens of insurance carriers.

The business makes money almost entirely on carrier commissions on placed policies, with commissions administered internally by the Secretary/Treasurer. The firm does not publish pricing, premium volume, or commission rates; revenue figures are not disclosed. Its technology stack is minimal: a WordPress-based marketing and information site (asjlife.com), a WebPipeSSO-powered annuity product search, and outbound links to third-party paramed exam portals (ExamOne, Emsi, SMIS Insurance, AppsLive) for underwriting scheduling. No proprietary platform, mobile app, or API of its own is disclosed.

The company operates exclusively in the United States with documented activity concentrated in New York, and it maintains a long-standing mutual relationship with sister entity Hazard & Siegel Agency, LLC — a FINRA/SIPC-registered broker-dealer under shared Joseph family leadership — which extends the combined platform into securities-adjacent insurance products. No funding rounds, acquisitions, leadership turnover, or product launches beyond the existing shelf are documented in the source material.

Name

Alex S. Joseph Associates

Legal name

Alex S. Joseph Associates, Inc.

Website

https://asjlife.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

1–10 employees

Short description

Alex S. Joseph Associates is a family-owned wholesale insurance brokerage founded in 1960 in Dewitt, New York, serving licensed insurance agents and brokers with life insurance, annuities, long-term care, disability income, and special risk placement sourced from dozens of carrier partners.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)

Keywords

• Wholesale insurance brokerage
• Life insurance products
• Annuity products
• Disability income coverage
• Long term care insurance

Headquarters

HQ city

Syracuse

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The company operates as an insurance agency generating revenue through commissions paid by insurance carriers for policies placed through their agency. Commissions are managed by Deanna 'Dede' Burns as Secretary/Treasurer.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Alex S. Joseph Associates is a wholesale insurance brokerage that provides licensed insurance agents and brokers with access to a portfolio of life insurance, annuity, disability income, long term care, and special risk products from multiple carriers. The firm supports agents through quoting tools, underwriting assistance, and case placement services, and generates revenue from carrier commissions on placed business.

Product overview

Alex S. Joseph Associates is a wholesale insurance brokerage offering a portfolio of life insurance, annuity, and income protection products to licensed insurance agents. The core offering consists of Term & Guaranteed UL (term and guaranteed universal life insurance), Permanent insurance products, Annuity Quotes (powered by WebPipeSSO API), SPIA (Single Premium Immediate Annuity), Long Term Care, and Disability income insurance. The company also provides special risk case placement services for clients who do not qualify for standard coverage. The business operates as a business-to-business (B2B) wholesale broker distribution model, serving insurance agents rather than direct consumers.

Differentiator

Problem solved

Functional benefit

Products and services

• Term & Guaranteed UL Term life and guaranteed universal life insurance products made available to licensed insurance agents for placement with their end clients.
• Permanent Quote Request Request form and access channel for permanent life insurance quotes including whole life and universal life products for agents.
• Annuity Quotes Annuity product search and quoting service enabling licensed agents to find competitive annuity products for their clients.
• SPIA Quote Request Single Premium Immediate Annuity quote request service for agents seeking immediate income annuity products for clients.
• Long Term Care Long term care insurance products made available to licensed agents for clients needing coverage for extended care services.
• Disability Quote Request Disability income insurance quote request service providing coverage options for loss of income due to disability, available to licensed agents.
• Special Risk Case Placement Assistance with placing non-standard or high-risk insurance cases that may not qualify for standard coverage, provided to licensed agents and brokers.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Omega, Inc.minorImplementation/ SI/ Consulting PartnerOmega, Inc. is described as an Independent Third Party Administrator for Qualified Plans. They are listed as a partner resource providing administrative services for qualified retirement plans in support of the insurance products offered by Alex S. Joseph Associates.
• Hazard & Siegel Agency, LLCcoreStrategic or Co-development PartnerHazard & Siegel Agency, LLC is a related entity under the same leadership (Alex S. Joseph Associates, Inc.) providing additional insurance agency services. The two entities combined offer over one-half century of combined experience in the insurance marketplace. Hazard & Siegel Agency is a Member FINRA/SIPC registered broker-dealer, indicating involvement in securities-related insurance products.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Regional players

• American Monumental Life Insurance / Agent Support Group: Smaller regional wholesale life insurance brokerage serving independent agents with life and annuity products. Comparable to ASJ in B2B wholesale model and limited geographic scope, though typically operating in different regional markets.

Direct peers

• Highland Capital Brokerage: Wholesale life insurance and annuity brokerage serving financial professionals and insurance agents. Highly comparable to ASJ in product focus (life, annuities, LTC, disability) and B2B channel model, with similar underwriting support and carrier access for substandard cases.
• LifeMark Partners: Wholesale life insurance distributor providing life, disability, LTC, and annuity products to independent agents. Closely matches ASJ's product mix and B2B distribution approach, with multi-carrier access and underwriting assistance for substandard cases.
• Insurance Agents & Brokers (IAB) / Resource Brokerage: Wholesale brokerage firm offering life, annuity, and disability products to independent agents through multi-carrier access. Direct peer to ASJ in product mix, channel (B2B to agents), and underwriting support services.

Broad incumbents

• M Financial Group: Member-owned network of financial services firms providing access to life insurance, disability, and annuity products with reinsurance and underwriting support. Comparable to ASJ in serving independent producers with multi-carrier life and annuity placement.
• Brokers International: Insurance product distribution and marketing organization providing life, annuity, and supplemental health products to agents and financial institutions. Comparable to ASJ's wholesale distribution model focused on insurance products to licensed agents.
• Crump Life Insurance Services: One of the largest US wholesale life insurance brokerage distributors, offering term, permanent, annuities, LTC, and disability products to licensed agents through a multi-carrier platform. Directly comparable to ASJ in product mix and B2B wholesale model, but operates at significantly greater scale nationally.
• Ash Brokerage: National wholesale life insurance brokerage offering life, annuity, LTC, and disability products to independent agents. Comparable to ASJ as a multi-carrier wholesale distributor with similar product breadth and a focus on supporting agents with case design and underwriting.

Others

• Fidelity & Guaranty Life Insurance / agent wholesale division: Life insurance carrier with a wholesale distribution arm serving independent agents via brokerage general agents. Indirect peer — ASJ distributes competing carriers' products through its wholesale channel, illustrating both partnership and competitive dynamics.
• ExamOne: Third-party paramed and underwriting services provider integrated into ASJ's agent workflow. Not a peer in the distribution sense but an ecosystem partner whose tools ASJ resurfaces to brokers, illustrating adjacencies in the wholesale insurance stack.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/ASJAssoc
• LinkedInlinkedin.com/company/alex-s-joseph-associates-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 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 Alex S. Joseph Associates