Appiani Agency
Appiani Agency LLC is a sole-practitioner independent insurance brokerage in Northglenn, Colorado, offering Medicare, health, dental, vision, life, and ancillary insurance products to individuals and families across six licensed U.S. states, with a community-driven, bilingual go-to-market model.
- Company typePrivate
- Founded2014
- HeadquartersHenderson, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Appiani Agency does
Appiani Agency LLC is a privately held independent insurance brokerage founded by Carmen Appiani, operating primarily from Northglenn, Colorado. The company was established in 2014 around final expense planning and pivoted in 2018 into a full multi-line insurance brokerage offering Medicare plans (Advantage, Supplement, Part D), Individual and Family Health Plans through the Health Insurance Marketplace, OmniSalud coverage for undocumented Colorado residents, dental and vision insurance, hospital indemnity, short-term disability, life insurance, final expense, Indexed Universal Life (IUL), advanced funeral planning, and pet protection. The agency is appointed by more than eight insurance carriers, providing access to over sixty products.
The business operates on a commission-based revenue model, earning referral fees from carriers when policies are sold and renewed. Its technology stack is standard for the industry, relying on Microsoft Outlook/O365 for appointment scheduling and carrier-provided quote tools such as Ameritas, Delta Dental, Ethos, Fetch, and Sproutt. There is no proprietary technology, platform, or AI component. The go-to-market motion is highly relational and community-driven: one-on-one consultations, physical information kiosks at Walgreens, Goodwill, and Adams County Human Services locations, enrollment events tied to Medicare Open Enrollment and Individual & Family Plan cycles, and bilingual outreach targeting immigrant and non-citizen communities.
The company is licensed in six U.S. states (Colorado, Georgia, Illinois, New Mexico, Utah, and Texas) but operational activity is concentrated in Adams County, Colorado. The owner-operator functions as the sole broker, supported by a network of mutual referral partners across financial, legal, real estate, and wellness categories. The company is entirely founder-owned with no external investment, no parent entity, and no disclosed financial metrics.
Appiani Agency firmographics
Firmographics- Name
- Appiani Agency
- Legal name
- Appiani Agency LLC
- Website
- https://appianiagency.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Appiani Agency LLC is a sole-practitioner independent insurance brokerage in Northglenn, Colorado, offering Medicare, health, dental, vision, life, and ancillary insurance products to individuals and families across six licensed U.S. states, with a community-driven, bilingual go-to-market model.
- Ownership category
- akta.pro rank
Appiani Agency industry classification
Industry- Product category
- Independent Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Appiani Agency is headquartered
LocationHeadquarters
- HQ city
- Henderson
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Appiani Agency business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Brokerage Commissions: As an independent insurance broker, Appiani Agency earns commissions from insurance carriers when policies are sold and renewed. The broker is appointed by multiple insurance companies and can access a wide variety of products to match customer needs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing for all insurance products |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Appiani Agency product offering
Product offeringCore offering
Appiani Agency is an independent insurance brokerage that sells and provides personalized guidance on Medicare plans, individual and family health insurance (Exchange and OmniSalud), dental and vision coverage, hospital indemnity and short-term disability, life insurance and final expense/IUL products, advanced funeral planning, and pet insurance. As a licensed independent agent appointed by multiple carriers, the broker accesses over 60 insurance products across 8+ organizations and serves clients primarily in Colorado through one-on-one consultations, community kiosks, and enrollment events.
Product overview
Appiani Agency LLC is an independent insurance brokerage firm offering a comprehensive portfolio of insurance products and services primarily focused on health, life, and financial protection coverage. The company operates as a multi-product insurance agency with Carmen Appiani serving as a licensed Medicare broker and Certified Exchange Broker. The core product portfolio includes Medicare plans (Advantage, Supplement, Part D), Individual and Family Health Plans through the Exchange and private markets, OmniSalud for undocumented Colorado residents, Dental & Vision insurance, Hospital Indemnity/Cancer/Short-Term Disability coverage, Life/Final Expense/IUL insurance, and Pet Protection. The company also offers Advanced Funeral Planning services and operates The Health Insurance Desk as a community-facing information and enrollment assistance service. All products are offered through independent brokerage relationships with multiple carrier partners, enabling access to over 60 insurance products across 8+ organizations.
Differentiator
Problem solved
Functional benefit
Brands
- The Health Insurance Desk: A community-driven information booth providing guidance on health insurance matters, offering support for Medicare, OmniSalud, Exchange Plans, dental, vision, hearing, hospital indemnity, and funeral pre-planning.
Products and services
- Medicare Plans Brokerage services for Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans, including plan comparison, eligibility review, and enrollment assistance for individuals aged 65 and older or otherwise Medicare-eligible.
- Individual and Family Health Plans Health insurance brokerage for individuals and families, sourcing coverage through the Health Insurance Marketplace (Exchange) and private insurance options; includes plan comparison, subsidy eligibility guidance, and enrollment support.
- OmniSalud Enrollment Assistance Enrollment assistance for Colorado's OmniSalud program, which provides health coverage options to undocumented residents and individuals otherwise ineligible for other insurance programs.
- Dental and Vision Insurance Brokerage services for dental and vision insurance plans from carriers including Ameritas and Delta Dental, providing quote comparisons and enrollment support.
- Hospital Indemnity, Cancer & Short-Term Disability Insurance Brokerage for hospital indemnity, cancer, and short-term disability insurance products designed to provide financial protection during hospital stays, cancer treatment, and temporary disability events.
- Life, Final Expense & Indexed Universal Life (IUL) Insurance Brokerage for life insurance products including term life, final expense insurance, and indexed universal life (IUL) policies for retirement and legacy protection; carrier partners include Ethos and Sproutt.
- Advanced Funeral Planning Pre-planning services that help families document and pre-fund funeral arrangements to honor the deceased's wishes and reduce financial and decision-making burdens during grief.
- Pet Protection (Pet Insurance) Brokerage for pet insurance products offering protection for pets against routine and unexpected veterinary costs; partner provider is Fetch pet insurance.
- The Health Insurance Desk A community-facing information booth and service hub providing one-on-one health insurance consultations, enrollment assistance, bilingual support, and educational resources at retail locations (Walgreens, Goodwill) and community events throughout Adams County.
Companies that use Appiani Agency
Customer profileSegments4 records
Ideal customer profiles4 records
Appiani Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Appiani Agency partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered minor.
- Ethos (Life Insurance)minorLife insurance provider partner offering financial protection products. Appiani Agency directs customers to Ethos for coverage as part of their life insurance portfolio.
- Sproutt (Life Insurance)minorLife insurance partner offering coverage options. Directs customers to Sproutt for additional life insurance products.
- Fetch (Pet Insurance)minorPet insurance provider partnered with Appiani Agency to offer pet protection products. Customers can get quotes via Fetch or through the agency.
- Ameritas (Dental & Vision)minorDental and vision insurance carrier partner offering quote tools through Appiani Agency's broker portal.
- Delta DentalminorDental insurance carrier partner. Customers can run quotes through Delta Dental's broker portal linked on the Appiani Agency website.
- JeanieBoymel / Altitude FinancialminorFinancial advisor partner in the Insurance, Finances & Estate Planning category. Cross-referral relationship for comprehensive financial planning services.
- MartinRomero / Homevantage Real EstateminorReal estate broker partner for the Real Estate & Investments category. Mutual referral relationship for clients with real estate and insurance needs.
- Ester Castillo Lerma / HomevantageminorReal estate broker partner offering referral connections for real estate services in the Adams County area.
- Nations Lending (Grisell Vargas)minorMortgage lending partner for real estate and investment-related financial services referrals.
- Acet Corporation (Diana Torres)minorFinancial services partner for additional lending and financial products referrals.
- Beyond Noble HealthminorEnergy healing and wellness provider in the Health, Fitness & Wellness category. Cross-referrals for holistic health and insurance needs.
- Matos Law FirmminorInjury law firm and Medicaid spend-down legal services partner in the Legal Services category. Referral relationship for clients needing legal assistance.
- Peruvian ImmersionminorInternational organization partner for community outreach and referral services.
- RMA (Referral Marketing Alliance)minorReferral marketing organization that provides business development and networking opportunities for small business owners. Carmen Appiani participates in RMA for professional development and referral generation.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Appiani Agency competitors and assessment
Company assessmentDirect peers
- eHealth: Online health insurance marketplace with licensed agent support across Medicare, ACA, and ancillary lines; comparable product breadth and broker model, primarily competing on digital experience versus Appiani's community GTM.
- HealthMarkets: Independent insurance agency matching consumers with health, Medicare, life, and supplemental carriers; one of the closest analogs to Appiani in serving individuals and families across multiple carriers.
- GoHealth: Medicare-focused brokerage using both online and agent-assisted channels; directly comparable to Appiani's Medicare Advantage/Supplement/Part D focus, though with a national call center and digital infrastructure.
- SmartFinancial Insurance: Online insurance comparison platform with licensed agent support focused on health, Medicare, and life products; comparable in multi-carrier brokerage model and consumer-facing lead conversion.
- HealthSherpa: ACA Exchange enrollment platform with agent support tools; comparable to Appiani's Individual & Family / OmniSalud enrollment focus and certified Exchange broker role, though built as an Encompass-branded digital platform.
- SelectQuote (Benefytt): Senior-focused independent insurance brokerage selling Medicare, life, and ancillary products direct-to-consumer; comparable in product mix and independent brokerage model, though operating at vastly larger scale with proprietary technology.
Broad incumbents
- Medicare.gov (1-800-MEDICARE): Government-run Medicare Plan Finder and direct enrollment channel; the structural alternative to independent brokers like Appiani for beneficiaries who self-serve, capping the addressable share of Medicare-shopping consumers.
Emerging players
- ConnectureDRG (now TPx Health): Insurance distribution technology platform serving Medicare and ACA brokers; comparable ecosystem role to Appiani's carrier relationships, but operates as a vendor rather than a producer.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Appiani Agency social profiles
Digital presenceAppiani Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Appiani Agency leadership team
Management profileNumber of profiles
Profiles1 record
Appiani Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Appiani Agency 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 Appiani Agency
What does Appiani Agency do?
Appiani Agency is an independent insurance brokerage that sells and provides personalized guidance on Medicare plans, individual and family health insurance (Exchange and OmniSalud), dental and vision coverage, hospital indemnity and short-term disability, life insurance and final expense/IUL products, advanced funeral planning, and pet insurance. As a licensed independent agent appointed by multiple carriers, the broker accesses over 60 insurance products across 8+ organizations and serves clients primarily in Colorado through one-on-one consultations, community kiosks, and enrollment events.
Is Appiani Agency a public or private company?
Appiani Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Appiani Agency founded?
Appiani Agency was founded in 2014. It employs 1 to 10 people.
Where is Appiani Agency based?
Appiani Agency is headquartered in Henderson, United States, in the North America region.
How does Appiani Agency make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Appiani Agency's main competitors?
Direct peers on record are eHealth, HealthMarkets, GoHealth, SmartFinancial Insurance, HealthSherpa and SelectQuote (Benefytt). Medicare.gov (1-800-MEDICARE) is listed as a broad incumbent. ConnectureDRG (now TPx Health) is listed as an emerging player.
Does Appiani Agency have an API?
No public API is recorded for Appiani Agency.
What industry is Appiani Agency in?
Appiani Agency's product category is Independent Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIAKAF, Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid). Its NAICS code is 524210 and its SIC code is 6411.