AFOX & Associates

What AFOX & Associates does

AFOX & Associates is a private independent insurance marketing organization (IMO) founded in 2017 and headquartered in Pompano Beach, Florida, operating as an intermediary between insurance carriers and a distributed network of agents. The company distributes life insurance, health insurance, Medicare plans, Medicare Supplement plans, and annuities through three channels: independent insurance producers, broker agencies/MGAs, and professional service partnerships (medical groups, private pharmacies, and CPA/tax firms). AFOX holds National Producer Registration Number 18419883 and operates under CMS compliance for Medicare distribution.

The company has built a portfolio of eight sub-brands serving distinct functions: WFEN (final expense agent resource network), Insurance411 (social media community for producers), WESOLIA (community fiduciary organization), IBIQ (early-stage AI generative client assessment tool), B.O.S.S. (back-office support model), IBC.m (infinite banking concepts), USG (client-facing policy maintenance), and AHBE (consumer advocacy). Technology infrastructure includes CRM, back-office systems, and phone systems oriented toward independent producers and telesales operations. The proprietary products portfolio and liberal underwriting guidelines covering pre-existing conditions are positioned as the primary differentiators versus generalist brokers.

Revenue is generated through commissions paid by insurance carriers on products sold through the agent network, with commission tiers escalating on production history and activity. The go-to-market is sales-led and channel-driven, with no fees to join as an Associate Partner; agents access carrier contracts, proprietary products, marketing cost subsidization, day-1 vested residuals, and ongoing training. The company employs 101-250 people, operates nationally, is bootstrapped with no disclosed external funding, and is led by founder Adam Gains alongside Partner Evan Wadsworth and a leadership team covering operations, collaboration, advocacy, and community functions.

Name

AFOX & Associates

Legal name

AFOX & Associates LLC

Website

https://afoxassoc.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

AFOX & Associates is a privately held independent insurance marketing organization that distributes life, health, Medicare, and annuity products through independent producers, broker agencies, and professional service partnerships across the United States, earning commission revenue from carrier contracts.

Ownership category

akta.pro rank

Product category

Insurance Marketing Organization (IMO)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Insurance marketing organization
• Independent insurance brokerage
• Life insurance products
• Medicare insurance plans
• Annuity sales platform

Headquarters

HQ city

Pompano Beach

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Commission Revenue: AFOX earns commissions from insurance carriers for products sold through their network of independent brokers. Products include life insurance, health insurance, Medicare plans, Medicare Supplement plans, and annuities. Commissions are paid based on production history and activity levels, with top commission tiers available for high-performing agents.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

AFOX & Associates is an independent insurance marketing organization (IMO) that recruits, contracts, and supports independent insurance producers and broker agencies with carrier appointments, proprietary insurance products (life, health, Medicare, Medicare Supplement, annuities), top commission schedules, marketing cost subsidization, sales training, and back-office technology. The company distributes exclusively through channel partners and professional service referrals rather than direct-to-consumer sales, earning commissions from insurance carriers on policies placed by its network.

Product overview

AFOX & Associates is an independent insurance marketing organization (IMO) and brokerage built for insurance producers, by producers. The platform provides independent brokers and agencies access to proprietary insurance products (life, health, Medicare plans, Medicare Supplement plans, and annuities), top commission compensation structures, marketing cost subsidization, sales training, user-friendly technology systems, and liberal underwriting guidelines. The portfolio includes multiple in-house brands: WFEN (Wholesale Final Expense Network), Insurance411 (social media engagement), WESOLIA (community fiduciary services), IBIQ (AI-powered client assessment tool), B.O.S.S. (back office support model), IBC.m (infinite banking concepts), USG (policy maintenance services), and AHBE (consumer education). The company also offers professional partnership programs for medical groups, pharmacies, and tax firms.

Differentiator

Problem solved

Functional benefit

Brands

• WFEN: The Wholesale Final Expense Network provides a developed resource network for connecting final expense agents to needed assets.
• Insurance411
• WESOLIA
• IBIQ
• B.O.S.S.
• IBC.m
• USG
• AHBE

Products and services

• AFOX & Associates IMO Platform Core IMO platform providing independent producers and broker agencies access to proprietary insurance products, commission structures, marketing support, training, and back-office tools across life, health, Medicare, and annuity lines.
• Proprietary Insurance Products Exclusive insurance products designed to provide innovative solutions with a competitive edge, tailored coverage options, and unique features not readily available to general brokers.
• Commission Compensation Platform Industry-leading commission compensation structure for independent agents based on production history and activity, with flexible offers for new agents and compensation increases tied to continued production.
• Marketing Cost Subsidization Marketing budget subsidy program that offsets existing marketing costs or provides new marketing budgets based on agent activity and production, increasing advertising exposure while decreasing cost.
• Sales Training & Support Comprehensive sales training covering prospecting, lead generation, objection handling, and closing techniques, plus access to guidance for complex case design and illustrations.
• User-Friendly Systems & Staff Support Streamlined back-office platform with intuitive interface and knowledgeable support staff providing assistance with technology, processes, and issue resolution, including milestone tracking and producer-focused metrics.
• Liberal Underwriting Portfolio Access to a portfolio of insurance carriers with liberal underwriting guidelines enabling coverage for individuals and businesses, including those with pre-existing conditions who may have been declined elsewhere.
• Professional Partnership Program Partnership offerings for medical groups, private pharmacies, and tax firms/CPAs to deepen client relationships, add insurance benefits review as a value-added service, and generate additional referral revenue.
• Independent Producer Support Comprehensive support for licensed independent insurance agents including product support, sales training, lead/prospecting systems, telesales-friendly products with phone-system capabilities, and 1:1 onboarding assistance.
• Broker Agency Platform Platform for broker agencies to maintain control over their business with recruitment resources, agency-structured compensation, proprietary carrier access, and best-practice onboarding and development support.
• WFEN (Wholesale Final Expense Network) Wholesale final expense resource network connecting final expense agents to needed assets and support services within the AFOX ecosystem.
• WESOLIA Community Fiduciary Services Bespoke brick-and-mortar community fiduciary organization generating educational engagement and client advocacy in support of AFOX insurance services.
• IBIQ (Insurance Benefits IQ) Early-stage AI generative model designed to help virtually guide interested clients in assessing insurance product applicability and access.

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• CMS (Centers for Medicare & Medicaid Services)coreStrategic or Co-development Partner · 1 May 2024AFOX & Associates adheres to CMS compliance regulations as part of their commitment to providing fiduciary services to clients. They review all beneficial options available to ensure unique client needs are met.
• Insurance Carriers (Multiple)coreChannel Partner/ Reseller/ DistributorAFOX maintains contracts with multiple insurance carriers providing life insurance, health insurance, Medicare plans, Medicare Supplement plans, and annuities. Their extensive network includes carriers with liberal underwriting guidelines designed to provide access to more coverage for a wider array of clients including those with pre-existing conditions.

Scale indicators4 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• Ritter Insurance Marketing: An FMO/IMO specializing in Medicare and senior-market distribution to independent agents nationwide, mirroring AFOX's Medicare/Medicare Supplement focus and agent-recruitment motion.
• Integrity Marketing Group (Alera Group): One of the largest independent insurance marketing organizations in the U.S., distributing life, health, Medicare, and annuity products through a national agent and agency network — directly comparable to AFOX's IMO model at a much larger scale.
• BenefitMall: An insurance distribution platform that supports brokers and agencies with carrier access, technology, and back-office tools — closely aligned with AFOX's broker-agency enablement model.
• SelectQuote: A direct-to-consumer insurance distributor with strong Medicare and life insurance focus; comparable in product mix and final-expense-adjacent lines, though AFOX is agent-led rather than D2C.
• HealthPlanOne: A Medicare-focused insurance distribution platform working with carriers and agents to distribute Medicare Advantage and Supplement plans — overlaps AFOX's Medicare/affinity distribution strategy.
• Senior Market Sales: An insurance marketing organization focused on senior-market products (Medicare, life, annuities) distributed through independent producers — directly comparable in target customer, product mix, and channel model.
• Brokers International: A national IMO/FMO providing life, health, and retirement products to independent agents and agencies, with comparable carrier contracts, training, and back-office support offerings.
• DMI (Digital Marketing Inc.): An insurance marketing organization distributing Medicare products through a national agent network — directly comparable to AFOX in agent recruitment, carrier partnerships, and Medicare focus.

Broad incumbents

• Humana: A major Medicare Advantage and health insurance carrier that distributes through independent agents and IMOs — AFOX relies on Humana-class carrier relationships for commission revenue.

Emerging players

• EverQuote: A tech-enabled insurance marketplace connecting consumers with agents across life, health, and Medicare — comparable in targeting the independent-agent channel but with a digital-lead-generation model rather than IMO infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TeamAFOX
• LinkedInlinkedin.com/company/afoxassociates

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries8 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 AFOX & Associates