Coastal Benefits
Coastal Benefits Inc is a privately held, multi-carrier insurance brokerage based in Brunswick, Georgia, serving individuals, families, Medicare beneficiaries, and employer groups across Southeast Georgia through commissioned placement of health, life, dental, vision, disability, and long-term care products.
- Company typePrivate
- Founded2001
- HeadquartersBrunswick, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Coastal Benefits does
Coastal Benefits Inc is a privately held insurance brokerage firm headquartered at 26 Coral Park Way, Brunswick, Georgia, operating since 2001. The firm serves individuals, families, and employer groups across Southeast Georgia, including Brunswick, Saint Simons Island, and Savannah, representing 16+ insurance carriers such as Aetna, Aflac, Blue Cross/Blue Shield Georgia, CIGNA, Humana, MetLife, Mutual of Omaha, and United Health Care. Its product portfolio spans individual and family medical insurance (PPO, HMO, POS, HDHP/HSA), life insurance (term, whole, universal, variable), Medicare Supplement and Advantage plans, disability income, dental, vision, long-term care, annuities, and accidental death and dismemberment coverage, alongside employer-side group health, life, dental, vision, disability, and LTC benefits.
The business model is commission-based brokerage. Coastal Benefits earns carrier-paid commissions for placing individual, family, and group policies, with premiums determined by individual health assessments, coverage type, group size, and carrier selection. Pricing is quote-based and not publicly disclosed, with monthly billing on placed policies. The firm has 1-10 employees and operates from a single Brunswick office, with no disclosed subsidiaries, no parent company, no institutional funding, and no evidence of external ownership. It holds CMS Medicare broker credentials (representing 9 organizations offering 71 Medicare products in its service area) and is a member of standard industry carrier networks.
Distribution is primarily direct: appointment-based consultations, website quote request forms, email newsletters (Employee Benefits Report, Life & Health Insurance Advisor), a Facebook presence, and third-party scheduling tools (Acuity Scheduling, RetireFlo). Customer evidence points to a fragmented SMB book across professional services, legal, shipping/logistics, retail, staffing, technology, healthcare, and dental verticals, supplemented by individual and Medicare consumer business. There is no proprietary technology platform, no mobile application, no disclosed AI capabilities, and no public API, with the website serving as the primary digital touchpoint.
Coastal Benefits firmographics
Firmographics- Name
- Coastal Benefits
- Legal name
- Coastal Benefits Inc
- Website
- https://coastalbenefitsinc.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coastal Benefits Inc is a privately held, multi-carrier insurance brokerage based in Brunswick, Georgia, serving individuals, families, Medicare beneficiaries, and employer groups across Southeast Georgia through commissioned placement of health, life, dental, vision, disability, and long-term care products.
- Ownership category
- akta.pro rank
Coastal Benefits industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)
Keywords
Where Coastal Benefits is headquartered
LocationHeadquarters
- HQ city
- Brunswick
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Coastal Benefits business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Insurance Brokerage Commissions: Coastal Benefits acts as an insurance broker representing multiple carrier partners including Aetna, Aflac, Blue Cross/Blue Shield Georgia, CIGNA, Humana, MetLife, Mutual of Omaha, and United Health Care. The firm earns commissions from these carriers for placing insurance policies for individuals, families, and employer groups.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance products |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Coastal Benefits product offering
Product offeringCore offering
Coastal Benefits is an insurance brokerage that sells individual and family health, life, dental, vision, disability, long-term care, Medicare, annuity, and accidental death insurance policies. It also brokers employer group benefits including group health, life, dental, vision, disability, and long-term care coverage. The firm earns commissions by representing multiple carriers and placing policies for individuals, families, and businesses in Southeast Georgia.
Product overview
Coastal Benefits is an insurance brokerage firm offering a comprehensive portfolio of individual/family and employee benefits insurance products. The core offering consists of individual medical insurance (PPO, HMO, POS, HDHP/HSA plans), life insurance (term, whole, universal, variable), Medicare plans (Supplement and Advantage), disability income insurance, dental insurance, vision insurance, long-term care insurance, annuities, and accidental death and dismemberment coverage. For employers, they provide group health benefits, life benefits, dental benefits, vision benefits, disability benefits, and LTC coverage. The company also offers online quote request tools for both individual/family and employee benefits. They serve individuals, families, and businesses in Southeast Georgia, representing multiple insurance carriers including Aetna, Aflac, Blue Cross/Blue Shield, Cigna, Humana, MetLife, United Healthcare, and others.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual/Family Medical Insurance Medical insurance plans for individuals and families including PPO, HMO, POS, and high-deductible health plans (HDHP) with Health Savings Account (HSA) options compliant with the Affordable Care Act.
- Life Insurance Term and permanent life insurance products including whole/ordinary life, universal/adjustable life, variable life, and variable-universal life policies for individual and family coverage.
- Medicare Plans Medicare Supplement (Medigap) plans and Medicare Advantage (Part C) plans that supplement or replace Original Medicare coverage for seniors.
- Disability Income Insurance Short-term disability (STD) and long-term disability (LTD) insurance that replaces a portion of pre-disability income when an individual cannot work due to disability.
- Dental Insurance Plans Dental insurance plans including indemnity plans, preferred provider organizations (PPOs), and dental health maintenance organizations (HMOs) covering preventive, restorative, and orthodontic services.
- Vision Insurance Vision insurance covering annual eye examinations, eyeglass frames, lenses, contact lenses, and discounted LASIK/PRK vision correction procedures.
- Long-term Care Insurance Individual long-term care insurance policies covering nursing home, assisted living, and home healthcare for custodial care services not covered by medical insurance.
- Annuities Fixed period, variable, single life, joint and survivor, qualified employee, and tax-sheltered annuities providing guaranteed income during retirement.
- Accidental Death and Dismemberment Insurance AD&D insurance providing coverage for accidental death and dismemberment including loss of limbs, sight, or hearing, with double indemnity rider options available.
- Group Health Benefits Employer group health insurance including PPO, HMO, POS, consumer-driven health plans (HDHP/HSA), self-insured plans, and voluntary health insurance options for groups of any size.
- Life Benefits Group term life insurance, voluntary life insurance, key employee life insurance, and buy-sell arrangement planning for business continuity.
- Accidental Death (Employee Benefits) Group accidental death and dismemberment insurance as an addition to life policies or as standalone coverage, offered as employer-paid or voluntary benefit.
- Dental Benefits Employer dental benefits including group dental insurance, voluntary dental, dental reimbursement plans (HRA), and dental discount plans.
- Vision Benefits Employer vision benefits including group vision insurance and discount vision plans, offered as employer-paid or voluntary plans.
- Disability Benefits Short-term disability (STD) and long-term disability (LTD) insurance for employers, including paid sick leave, employer-paid, and voluntary options.
- Long-Term Care Insurance (LTC) for Groups Group long-term care insurance including true group plans, modified guaranteed issue plans, and individual plans with group discounts.
Companies that use Coastal Benefits
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Coastal Benefits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Coastal Benefits partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and supporting.
- AetnacoreMajor health insurance carrier offering PPO, HMO, and other health plans. Coastal Benefits represents Aetna products for individual and employer group coverage.
- AflaccoreSupplemental insurance provider offering accident, critical illness, and hospital indemnity insurance. Coastal Benefits offers Aflac products as part of their portfolio.
- Allied NationalsupportingNational insurance carrier partnered with Coastal Benefits for distributing insurance products.
- Blue Cross/Blue Shield GeorgiacoreRegional Blue Cross/Blue Shield affiliate serving Georgia. Major health insurance partner for Coastal Benefits.
- CIGNAcoreGlobal health service company offering health, dental, and pharmacy benefits. Coastal Benefits represents CIGNA products.
- Colonial LifesupportingSupplemental insurance carrier offering accident, sickness, and life insurance products through workplace benefits.
- Coventry Health CaresupportingHealth benefits company offering PPO and HMO plans, part of the Aetna enterprise.
- HumanacoreMajor health insurance carrier including Medicare Advantage, employer health plans, and specialty benefits.
- MetLifecoreLeading provider of employee benefits including life insurance, dental, vision, and retirement solutions.
- Mutual of OmahacoreInsurance and financial services company offering Medicare Supplement, life insurance, and employee benefits.
- United Health CarecoreOne of the largest health insurers offering comprehensive health coverage, Medicare plans, and pharmacy benefits.
- SilverscriptsupportingMedicare Part D prescription drug plan provider, part of CVS Health.
- StarMarksupportingVoluntary benefits provider offering supplemental insurance products.
- TrustmarksupportingBenefits solutions provider offering life, health, and voluntary benefits.
- Nippon LifesupportingJapanese life insurance company operating in the US market through NLIA.
Scale indicators1 record
Recent moves4 records
Expansion highlights3 records
Coastal Benefits competitors and assessment
Company assessmentBroad incumbents
- Hub International: Major North American insurance brokerage with deep employee benefits and personal lines practices; represents a logical rollup acquirer and broad incumbent competing for the same SMB and individual benefits customers.
- Brown & Brown: Large national insurance brokerage providing employee benefits, personal lines, and commercial coverage; relevant incumbent for Coastal Benefits given overlapping benefits brokerage services, though much broader in scale and geography.
- USI Insurance Services: Top-10 U.S. insurance brokerage with a strong middle-market employee benefits focus across group health, life, disability, and voluntary benefits; comparable services to Coastal Benefits but national scale and proprietary consulting programs.
- NFP (an Aon company): Property & casualty and benefits brokerage serving mid-market and individual clients across health, life, and retirement; recently acquired by Aon. Comparable product breadth to Coastal Benefits with significantly larger scale and national footprint.
Direct peers
- GoHealth: Medicare-focused insurance broker with proprietary technology and a carrier-agnostic enrollment platform; operates in the same Medicare Advantage/Supplement segment as Coastal Benefits with significantly greater scale.
- Holmes & Murphy: Mid-market insurance brokerage with a strong employee benefits practice offering group health, life, disability, and voluntary benefits consulting; comparable services and SMB/mid-market client profile to Coastal Benefits.
- SelectQuote: Direct-to-consumer insurance brokerage specializing in Medicare, life, and supplemental products with a telesales distribution model; comparable to Coastal Benefits in product focus (Medicare/life/ancillary) but larger scale and digital-led.
- HealthMarkets: National insurance agency matching individuals, families, and small businesses with health, Medicare, life, and supplemental coverage from multiple carriers — directly analogous to Coastal Benefits' multi-carrier individual and group benefits model.
- eHealth: Online health insurance marketplace offering individual, family, Medicare, and small-business plans from multiple carriers; competes for the same end customers Coastal Benefits serves, but through a digital-first channel.
- OneDigital: National employee benefits and HR consulting brokerage serving small and mid-sized employers across group health, life, dental, and retirement; closely comparable to Coastal Benefits' group benefits practice with multi-state reach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Coastal Benefits social profiles
Digital presenceCoastal Benefits financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coastal Benefits leadership team
Management profileNumber of profiles
Profiles2 records
Coastal Benefits funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coastal Benefits M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coastal Benefits
What does Coastal Benefits do?
Coastal Benefits is an insurance brokerage that sells individual and family health, life, dental, vision, disability, long-term care, Medicare, annuity, and accidental death insurance policies. It also brokers employer group benefits including group health, life, dental, vision, disability, and long-term care coverage. The firm earns commissions by representing multiple carriers and placing policies for individuals, families, and businesses in Southeast Georgia.
Is Coastal Benefits a public or private company?
Coastal Benefits is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coastal Benefits founded?
Coastal Benefits was founded in 2001. It employs 1 to 10 people.
Where is Coastal Benefits based?
Coastal Benefits is headquartered in Brunswick, United States, in the North America region.
How does Coastal Benefits make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Coastal Benefits's main competitors?
Broad incumbents on record are Hub International, Brown & Brown, USI Insurance Services and NFP (an Aon company). Direct peers are GoHealth, Holmes & Murphy, SelectQuote, HealthMarkets, eHealth and OneDigital.
Does Coastal Benefits have an API?
No public API is recorded for Coastal Benefits.
What industry is Coastal Benefits in?
Coastal Benefits's product category is Insurance Brokerage. Its primary akta.pro industry code is HLAEAAAK, Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness). Its NAICS code is 52421 and its SIC code is 6411.