Life and Health Solutions

What Life and Health Solutions does

Life and Health Solutions is an independent insurance agency that operates under the legal entity Reliant Advisors LLC, a privately held LLC founded by Jeffrey Rosner, who has held an active insurance license since 2003. The agency distributes a portfolio of health, life, disability, dental, cancer, accident, and final expense insurance products sourced from third-party carriers, with Manhattan Life named as a core carrier partner for Final Expense, Dental/Vision/Hearing, and Cancer lines. It does not operate proprietary technology or underwriting; sales are conducted via direct phone outreach (numbers in Florida 954, New York 516, and Texas 903), website lead-capture quote forms, Calendly-scheduled consultations, and direct enrollment links into carrier platforms such as Manhattan Life. The agency is licensed to operate across five U.S. states — Florida, Georgia, North Carolina, Texas, and New York — and serves a mix of individuals and families, self-employed professionals, small-to-medium businesses seeking group/voluntary benefits, and seniors needing end-of-life coverage products.

The revenue model is straightforward commission-based distribution: the agency earns carrier-paid commissions on each policy sold, with pricing set by the underlying carriers on a per-applicant, individually underwritten basis rather than any agency-controlled tiered pricing. The product mix is anchored on Health Insurance (individual self-employed plans and employer-sponsored group plans), Life Insurance (whole life, term, and an Infinite Banking wealth-building strategy), and Disability Insurance (including the proprietary-branded M.U.G. Plan), supplemented by Cancer, Dental, Accident, and Final Expense add-ons and a Group Voluntary Benefits offering for employers.

The firm is founder-owned and bootstrapped, with no disclosed outside funding, no institutional investors, no M&A activity, and an estimated headcount of 6 employees. Marketing is conducted through a content-driven website (lifeandhealthsolutions.net), organic Facebook and LinkedIn pages tied to the founder, and an email newsletter funnel. No AI/ML, APIs, proprietary software products, patents, trademarks, certifications, or third-party integrations were disclosed; technology is limited to off-the-shelf website, scheduling, and email tooling alongside carrier-hosted enrollment portals.

Name

Life and Health Solutions

Legal name

Reliant Advisors LLC

Website

https://lifeandhealthsolutions.net

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Life and Health Solutions is an independent insurance agency operating under Reliant Advisors LLC that distributes health, life, disability, and supplemental insurance products from third-party carriers across five U.S. states, serving individuals, self-employed clients, and small-to-medium businesses via direct phone and online sales.

Ownership category

akta.pro rank

Product category

Insurance Brokerage 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)

akta.pro primary industry

Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF)

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Health insurance brokerage
• Life insurance agency
• Group voluntary benefits
• Supplemental insurance products
• Final expense coverage

Headquarters

HQ city

Not specified

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, Others

Revenue model

1. Insurance Commissions: The company earns commissions from insurance carriers for policies sold, including health insurance, life insurance, cancer insurance, disability insurance, final expense, and dental insurance. Revenue is generated on a per-policy basis with commissions paid by carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Life and Health Solutions is an independent insurance agency and brokerage (operating under Reliant Advisors LLC) that sells health, life, disability, cancer, dental, accident, and final expense insurance policies from multiple carrier partners to individuals, families, self-employed professionals, and small-to-medium businesses. The agency earns carrier commissions on policies sold and supports enrollment through direct phone sales, website quote forms, and partner enrollment portals (notably Manhattan Life).

Product overview

Life and Health Solutions, operated by Reliant Advisors LLC, offers a portfolio of insurance products and financial planning services. The core offerings include Health Insurance (individual plans for self-employed and group plans for employers), Life Insurance (including whole life and term coverage), and Disability Insurance. The company provides specialized supplementary products including Cancer Insurance, Dental Insurance, and Final Expense coverage. Additionally, they offer Group Voluntary Benefits for employers and a Life Insurance & Infinite Banking strategy that allows clients to use life insurance as a wealth-building tool. The product architecture consists of core insurance products supplemented by voluntary/accident add-ons and financial planning services.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Individual and family health insurance coverage providing financial protection for medical expenses, including plans tailored for self-employed individuals and families.
• Group Health Insurance Employer-sponsored health insurance plans that provide employees and families access to quality healthcare, offering financial stability and peace of mind for businesses.
• Life Insurance Whole life, term life, and related life insurance products that protect loved ones and provide guaranteed death benefits, with potential cash value and tax advantages.
• Life Insurance and Infinite Banking A life insurance strategy that uses whole life policies to build cash value, enabling policyholders to become their own banker for wealth-building and financial control.
• Final Expense (Burial Insurance) Coverage designed to help families cover funeral and burial costs, providing peace of mind that loved ones will not face the financial burden of end-of-life expenses.
• Cancer Insurance Supplemental insurance providing financial protection specifically for cancer-related medical expenses, diagnostics, and treatments.
• Dental Insurance Coverage for dental care expenses including preventive services, basic procedures, and major dental work, with options such as the Dental Vision Hearing 5000 plan.
• Disability Insurance Income protection coverage, including the M.U.G. Plan, that helps replace lost income when an insured cannot work due to illness or injury.
• Group Voluntary Benefits Cost-effective group benefit plans offered through employers that enhance employee satisfaction by providing supplemental coverage for medical costs, lost wages, and unexpected health expenses.
• Accident Insurance Supplemental coverage that helps protect insured individuals against unexpected accident-related medical expenses not covered by primary health insurance.

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Manhattan LifecoreChannel Partner/ Reseller/ DistributorManhattan Life is a carrier partner providing Final Expense, Dental, Vision, Hearing, and Cancer insurance products. Life and Health Solutions serves as a distributor/reseller, directing customers to Manhattan Life's enrollment platform for these specific product lines.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Policygenius: Online multi-line insurance broker for life, disability, health, and supplemental products — overlaps directly in life/disability/health brokerage and shared small-business customer base.
• Zander Insurance Group: Independent insurance brokerage offering life, health, disability, and identity theft protection with a strong consultative/educational positioning — comparable niche focus and Infinite Banking-adjacent philosophy.
• SelectQuote: Direct-to-consumer insurance brokerage selling term life, final expense, and senior health products through phone and online channels — directly comparable go-to-market and product mix.
• SmartFinancial: Online insurance comparison platform connecting consumers with carriers for auto, home, health, and life — overlapping in lead generation and multi-carrier brokerage for individuals.
• HealthMarkets: Independent insurance agency that matches individuals, families, and small businesses with health, life, Medicare, and supplemental carriers — closest analog to Life and Health Solutions' multi-carrier brokerage model.
• GoHealth: Medicare-focused health insurance brokerage with telesales and licensed agent model — comparable channel mix (phone-led, multi-carrier) although GoHealth operates at significantly larger scale.
• eHealth: Online health insurance marketplace and broker offering individual, family, Medicare, and small-group plans — directly comparable in product breadth and SMB/individual target customer.
• BenefitMall: Provider of employee benefits brokerage, payroll, and HR solutions to small and mid-sized employers — direct comparator for the agency's group voluntary benefits and small-group health offering.

Broad incumbents

• EverQuote: Insurance lead generation marketplace connecting consumers with agents and carriers across multiple lines — adjacent channel/comparable customer acquisition model, though operating at platform scale rather than as an agency.

Others

• ManhattanLife: Insurance carrier partner that underwrites Final Expense, Dental, Vision, Hearing, and Cancer products distributed by Life and Health Solutions — included as the closest carrier relationship, representing both a partnership and a competitive substitute.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/lifeandhealthsolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Life and Health Solutions