Mel Himes & Associates Insurance Agency

What Mel Himes & Associates Insurance Agency does

Mel Himes & Associates Insurance Agency, Inc. is an independent, family-owned insurance agency established July 1, 1984, headquartered at 892 Deltona Blvd in Deltona, Florida, and self-described as the largest independent agency in West Volusia. The firm distributes Personal Lines (Auto, Home, Boat), Commercial Lines, Church/Non-Profit (501c3), and Life, Health, Retirement & Disability products on behalf of multiple carrier partners including Cigna, United Healthcare, GuideOne, USLI, Christian Care Ministry (Medi-Share), IdentityIQ, and 24 Hour Physicians. Its underlying operations are built on standard insurance-agency tooling — Google Forms for per-line quote intake, the CSR24 policy-servicing portal for existing customers, and direct agent-led sales — rather than proprietary technology.

The agency operates a hybrid go-to-market combining sales-led agent distribution with community-led engagement through the Partner Affinity Program, which delivers free insurance and financial seminars to associations, groups, and churches, and through a Charitable Gift Giving Program that uses life insurance as an endowment vehicle for ministry members. Founder Mel F. Himes Jr., a Pastor with 51 years of industry experience, anchors the firm's specialization in church and 501c3 non-profit insurance that dates to his pre-founding work in 1971; sons Dr. Trey Himes and Jon Himes are now licensed agents, formalizing multi-generational succession. Revenue is generated through carrier commissions across all product lines, with no disclosed pricing beyond quote-based monthly billing that varies by individual risk profile and coverage selection. The firm is privately held, founder-controlled, and has no disclosed external investment, M&A activity, or geographic expansion beyond Volusia, Seminole, and Orange counties in Central Florida.

Name

Mel Himes & Associates Insurance Agency

Legal name

Mel Himes & Associates Insurance Agency, Inc.

Website

https://melhimesinsurance.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1–10 employees

Short description

Mel Himes & Associates is a family-owned independent insurance agency in Deltona, Florida, distributing personal, commercial, church/non-profit, and life/health policies through multiple carrier partnerships across Central Florida's Volusia, Seminole, and Orange counties since 1984.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Standalone Hospital Indemnity Insurance (FSAIAKAB)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Church nonprofit insurance
• Life health insurance

Headquarters

HQ city

Maineville

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: The agency earns commissions from insurance carriers for policies sold and serviced. They represent multiple carriers across Personal Lines, Commercial Lines, Church/Non-Profit, and Life, Health, Retirement & Disability products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Mel Himes & Associates Insurance Agency is an independent insurance agency that sells and services insurance policies from multiple carriers across four business units: Personal Lines (Auto, Home, Boat), Commercial Lines (business property, liability, workers compensation, commercial auto), Church/Non-Profit (specialized 501c3 coverage), and Life, Health, Retirement & Disability (life, final expense, long-term care, disability, retirement). The agency distributes additional partner offerings including IdentityIQ identity theft protection and Cigna/United Healthcare plans during open enrollment. The firm earns commissions from carriers and supplements sales through educational seminars via its Partner Affinity Program.

Product overview

Mel Himes & Associates Insurance Agency is an independent insurance agency established in 1984, serving as the largest independent agency in West Volusia, Florida. The agency offers a comprehensive portfolio of insurance products across personal, commercial, and non-profit lines. Core offerings include Disability, Long Term Care, Retirement, Life (including Final Expense), Health, Commercial Lines, Personal Lines, and Non-Profit Insurance. The agency also distributes partner products including IdentityIQ identity theft protection, and offers specialized programs like the Partner Affinity Program for churches and organizations, and the Charitable Gift Giving Program for endowment planning. The agency has a particular specialization in church and 501c3 non-profit insurance, with founder Mel Himes Jr. working in this sector since 1971.

Differentiator

Problem solved

Functional benefit

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• IdentityIQminorGTM or Marketing PartnerIdentityIQ is a U.S.-based identity theft protection company founded in 2009 offering four tiers of security. Mel Himes & Associates began offering IdentityIQ products to their customers, providing identity theft protection as an additional coverage option.
• CignacoreChannel Partner/ Reseller/ DistributorCigna health insurance products offered during Open Enrollment period. Agent offers Cigna health plans through their website portal.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorUnited Healthcare health insurance products offered during Open Enrollment. Agent offers United Healthcare plans through HealthSherpa.
• Christian Care Ministry – Medi-SharecoreChannel Partner/ Reseller/ DistributorChristian healthcare sharing ministry program offered as an alternative to traditional health insurance for Christian individuals and families.
• GuideOnecoreChannel Partner/ Reseller/ DistributorGuideOne Resource Center provides business resources for churches and non-profits. GuideOne is a specialized insurance carrier for churches and religious organizations.
• USLIcoreChannel Partner/ Reseller/ DistributorUSLI Business Resource Center provides business resources. USLI is a specialty lines insurer, and their resource center offers tools and information for policyholders.
• 24 Hour PhysiciansminorChannel Partner/ Reseller/ DistributorHealth services partner offering 24-hour physician access as part of the agency's client services offerings.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• RPS (Risk Placement Services): Specialty insurance brokerage across personal, commercial, and niche lines including non-profit/religious exposure. Comparable as a multi-line brokerage operating in adjacent niches to MHAIA's specialty, though as a national firm.
• Hub International Limited: Large North American insurance brokerage providing personal, commercial, life, and group benefits. Broader incumbent in the same independent-brokerage channel with overlapping product breadth and customer segments, though operating at much greater scale.

Direct peers

• Brotherhood Mutual Insurance Company: Specialty carrier and distributor serving ministries, churches, and faith-based organizations with property, liability, and workers' comp. Comparable on church/non-profit vertical and serving similar religious institution customers.
• Brown & Brown, Inc. Daytona Beach-headquartered insurance brokerage operating across personal, commercial, life, and specialty lines nationally. Relevant as a Florida-based, multi-line independent agency serving overlapping SMB and consumer markets, though vastly larger in scale.
• GuideOne Insurance: Specialty P&C carrier for churches, religious organizations, and non-profits, and an existing channel partner of MHAIA. Comparable on church/non-profit niche focus and product offerings to the agency's specialized segment.
• Insurance Office of America: Longwood, Florida-based independent agency selling personal, commercial, life, and group benefits through multiple carrier partnerships. Comparable as a Florida-rooted, multi-line independent agency with deep SMB and family customer overlap.
• Goosehead Insurance: Public independent insurance franchise agency using multi-carrier representation across home, auto, life, and commercial. Comparable on independent-agency franchise model, multi-line agency structure, and SMB/household customer base.
• Church Mutual Insurance Company: Specialty insurance carrier focused on religious organizations, camps, and non-profits. Comparable in niche and to Mel Himes' church/non-profit distribution specialty, though as a carrier rather than an agency, it represents an industry partner in the same vertical.
• Foundations Insurance Group: Florida-based independent insurance agency offering personal, commercial, life, and church/non-profit programs through multi-carrier representation. Closely comparable in product mix — particularly the church/non-profit specialty — and customer segments.
• Brightway Insurance: Jacksonville-based independent insurance franchise built around multi-carrier representation across personal and commercial lines. Most directly comparable peer given shared Florida footprint, multi-line agency model, and franchisee-led local presence serving similar SMB and household customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/mel_himes_assoc
• YouTubeyoutube.com/c/melhimesassociatesinsurancedeltona
• Facebookfacebook.com/melhimesinsurance
• LinkedInlinkedin.com/company/himes-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Mel Himes & Associates Insurance Agency