Daniel Insurance Agency
Daniel Insurance Agency is a Pennsylvania-based independent insurance brokerage founded in 1985 that places term life insurance through 100+ carriers via a 50-state agent network, specializing in impaired-risk cases such as pilots, diabetics, smokers, and heart disease patients.
- Company typePrivate
- Founded1985
- HeadquartersNewtown, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Daniel Insurance Agency does
Daniel Insurance Agency is an independent insurance agency founded in 1985 by Alan Daniel and headquartered in Newtown, Pennsylvania. The firm operates as a network of independent associated agents licensed across all 50 states and places business with more than 100 highly rated life insurance carriers, functioning as an intermediary that shops impaired-risk cases to obtain optimal underwriting offers. The company's core product is term life insurance, with a deep specialty focus on individuals considered high-risk by standard carriers due to medical conditions (diabetes, heart disease, prostate cancer, sleep apnea, obesity), occupations (pilots, doctors, scuba divers), or lifestyle factors (cigar and cigarette smokers). Reported customer outcomes include 30-50% premium savings versus existing rated policies, with individual case studies documenting premium reductions of up to $72,000 on $7 million policies.
The business is funded entirely by insurance carrier commissions on policies placed and renewed, with no disclosed external capital, no funding rounds, and no M&A activity. Distribution combines 50-state SEO-optimized landing pages and educational blog content with phone-based inside sales, online quote request forms, and partnership channels including the AOPA Foundation for pilot leads and satellite radio affiliation with Big Lou for brand awareness. The agency's core technology is VAM dB Insurance CRM for quote processing and customer management; there is no disclosed AI, automation, or proprietary technology stack beyond standard brokerage tooling. Operational footprint is intentionally lean at 17 employees, with no offices outside Newtown, PA and no operating activity in Hawaii or Alaska, where business is written individually under Alan Daniel's personal license.
Daniel Insurance Agency firmographics
Firmographics- Name
- Daniel Insurance Agency
- Legal name
- Daniel Insurance Agency, LLC
- Website
- https://danielagency.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Daniel Insurance Agency is a Pennsylvania-based independent insurance brokerage founded in 1985 that places term life insurance through 100+ carriers via a 50-state agent network, specializing in impaired-risk cases such as pilots, diabetics, smokers, and heart disease patients.
- Ownership category
- akta.pro rank
Daniel Insurance Agency industry classification
Industry- Product category
- Term Life Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Level Term Life Insurance (FSAIAAAA)
Keywords
Where Daniel Insurance Agency is headquartered
LocationHeadquarters
- HQ city
- Newtown
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Daniel Insurance Agency business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commission Revenue: The agency operates as an independent insurance agency earning commissions from insurance carriers on each policy sold or renewed. Commissions may include marketing and administrative service fees, educational opportunity fees, and performance bonuses or incentive trips from insurers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Term life insurance quotes customized to individual health profiles and coverage needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Daniel Insurance Agency product offering
Product offeringCore offering
Daniel Insurance Agency is an independent insurance brokerage that sells term life insurance by shopping client cases across a network of more than 100 highly rated life insurance carriers. Its core specialty is matching individuals with health impairments or niche lifestyle/occupation profiles (pilots, smokers, diabetics, heart disease, cancer survivors, obesity, sleep apnea) to the carriers most likely to offer the most competitive rates. Coverage amounts range from $50,000 to $10,000,000 across 5- to 30-year terms.
Product overview
Daniel Insurance Agency is an independent insurance agency specializing in term life insurance. The company operates as a network of independent agents licensed in all 50 states who work with over 100 highly rated life insurance carriers. The core product is term life insurance, which is offered through various specialty niches including Pilots Term Life Insurance, Cigar/Cigarette Smokers Term Life Insurance, Doctors Term Life & Disability Insurance, Diabetics Term Life Insurance, Key Man Life Insurance/Buy-Sell Agreements, Prostate Cancer Term Life Insurance, Obesity Life Insurance, Heart Disease Term Life Insurance, and Sleep Apnea Term Life Insurance. The agency also offers specialized products like Return of Premium Term Life Insurance, Life Settlements for Seniors, Scuba Diving Life Insurance, and Life Insurance Buy-Sell Agreements for business owners. The service model emphasizes personalized underwriting advocacy to help clients with health conditions obtain the best possible rates.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Life Insurance
Quantifiable outcome
- 30-50% savings for clients who have been rated for health or other reasons
- +4 more outcomes
Companies that use Daniel Insurance Agency
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Daniel Insurance Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Daniel Insurance Agency partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- TransamericacorePrimary carrier partner offering term life and universal life products. Transamerica Occidental Life Insurance Company incorporated in 1906; part of AEGON Group with over 100 years of experience and 1 million+ policies in force.
- PrudentialcoreMajor life insurance carrier partner featured on website with direct consumer information resources.
- Lincoln Financial GroupcoreCarrier partner offering term life insurance products, part of the agency's network of 100+ carriers.
- GenworthcoreCarrier partner featured on website for life insurance offerings.
- ING (now Voya)coreCarrier partner in the agency's network offering term life insurance products.
- AOPA FoundationminorAviation advocacy organization partnership. Agency is an AOPA Foundation Supporter and advertises with them. Maintains dedicated pilot insurance website at mypilotinsurance.com for aviation-specific lead generation.
- 100+ Life Insurance CarrierscoreAgency maintains relationships with over 100 highly rated life insurance carriers to shop cases and match clients with optimal carriers based on their specific health profiles and needs.
- Big Lou (Satellite Radio)minorSatellite radio personality affiliation. Daniel Insurance Agency is affiliated with Big Lou as their 'satellite radio life insurance Guru' for brand awareness and marketing.
Scale indicators4 records
Expansion highlights4 records
Daniel Insurance Agency competitors and assessment
Company assessmentDirect peers
- SelectQuote: Public online life insurance distributor that shops term life across multiple carriers using a phone-assisted model. Highly comparable to Daniel Insurance Agency in distribution approach and carrier-shopping value proposition, but operates at substantially greater scale.
- Policygenius: Online life insurance (and broader) broker that compares policies across multiple carriers. Comparable to Daniel Insurance Agency in independent multi-carrier brokerage model serving consumers seeking term life coverage.
- Haven Life (MassMutual): Direct-to-consumer term life insurer owned by MassMutual, offering online term life with simplified underwriting. Comparable in product category to Daniel Insurance Agency, though without the multi-carrier impaired-risk specialization.
- Quotacy: Online term life insurance brokerage that shops rates across many carriers. Direct competitor to Daniel Insurance Agency in the term-life, multi-carrier comparison space with similar agent-assisted model.
- Bestow: Direct-to-consumer term life carrier using algorithmic underwriting. Competes with Daniel Insurance Agency for online term life shoppers, though it primarily targets healthier applicants than the agency's impaired-risk niche.
- Ethos: Direct-to-consumer term life insurer using simplified underwriting and online application. Competes for the same consumer term life demand, though focused on the easier-to-underwrite segment that Daniel Insurance Agency de-emphasizes.
- Ladder Financial: Digital direct-to-consumer term life insurer offering instant-issue coverage online. Direct competitor in the term life category, though without the agent-assisted and impaired-risk specialization that defines Daniel Insurance Agency.
Broad incumbents
- Prudential Financial: Large national life insurance carrier and partner of Daniel Insurance Agency. Provides term life products the agency distributes while also selling directly, making it a broad incumbent in the same product category rather than a direct agency competitor.
- Transamerica: Major life insurance carrier and named primary partner of Daniel Insurance Agency. Not a direct competitor to the agency itself, but relevant incumbent that both supplies policies to the agency and competes for term life customers via its own D2C channels.
Emerging players
- ConsumerCoverage: Online insurance comparison platform that includes term life alongside other products. Partial overlap with Daniel Insurance Agency in multi-carrier term life shopping, though broader in product scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Daniel Insurance Agency social profiles
Digital presenceDaniel Insurance Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Daniel Insurance Agency leadership team
Management profileNumber of profiles
Profiles8 records
Daniel Insurance Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Daniel Insurance 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 Daniel Insurance Agency
What does Daniel Insurance Agency do?
Daniel Insurance Agency is an independent insurance brokerage that sells term life insurance by shopping client cases across a network of more than 100 highly rated life insurance carriers. Its core specialty is matching individuals with health impairments or niche lifestyle/occupation profiles (pilots, smokers, diabetics, heart disease, cancer survivors, obesity, sleep apnea) to the carriers most likely to offer the most competitive rates. Coverage amounts range from $50,000 to $10,000,000 across 5- to 30-year terms.
Is Daniel Insurance Agency a public or private company?
Daniel Insurance Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Daniel Insurance Agency founded?
Daniel Insurance Agency was founded in 1985. It employs 11 to 50 people.
Where is Daniel Insurance Agency based?
Daniel Insurance Agency is headquartered in Newtown, United States, in the North America region.
How does Daniel Insurance Agency make money?
One revenue line is on record: insurance Commission Revenue.
Who are Daniel Insurance Agency's main competitors?
Direct peers on record are SelectQuote, Policygenius, Haven Life (MassMutual), Quotacy, Bestow, Ethos and Ladder Financial. Broad incumbents are Prudential Financial and Transamerica. ConsumerCoverage is listed as an emerging player.
Does Daniel Insurance Agency have an API?
No public API is recorded for Daniel Insurance Agency.
What industry is Daniel Insurance Agency in?
Daniel Insurance Agency's product category is Term Life Insurance Brokerage. Its primary akta.pro industry code is FSAIAAAA, Level Term Life Insurance. Its NAICS code is 524210 and its SIC code is 6411.