Younglife Group

What Younglife Group does

Younglife Group is a small independent insurance agency operating under Symmetry Financial Group, LLC (itself a subsidiary of Quility Insurance Holdings LLC). Owned by Shelley Young and based in Wilmington, NC, the agency holds insurance producer licenses in 14 U.S. states (CO, NJ, FL, PA, MI, CA, NH, SC, MT, NC, OH, TX, VA, GA) and sells life insurance and related protection products to individual consumers and families. The product portfolio covers mortgage protection, term life, permanent life, final expense, disability, critical illness, retirement solutions (annuities and IUL), and the proprietary Debt Free Life® program, which combines a registered trademark, supporting software, and whole-life cash-value policies for debt elimination and retirement planning.

The technology foundation is the Quility platform, which provides online quoting, application processing, and the Quility LeadStream lead-generation program for agents. Through Symmetry's distribution agreement, Younglife Group accesses 80+ insurance carriers — including relationships with 30+ carriers directly associated with Shelley Young's agency — enabling policy matching across providers. The agency presents itself as part of the Symmetry brand presence (Forbes, Entrepreneur, Digital Insurance mentions), though these acknowledgments accrue to the parent IMO rather than the agency itself.

Younglife Group's revenue model is entirely commission-based (affiliate-referral stream), earning insurer-paid commissions on new policy sales and potentially renewals. Pricing is quote-based, driven by age, health, coverage amount, and product type; for example, term life and final expense policies start as low as $20/month. Distribution is hybrid: licensed agents (Shelley Young) deliver personalized consultations via phone, video, or in-person, while customers can initiate quotes and applications digitally through the Quility platform. No external funding, M&A activity, or public financial disclosures are associated with the agency, and headcount is reported at 8.

Name

Younglife Group

Legal name

Symmetry Financial Group, LLC

Website

https://younglifegroup.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Younglife Group is an independent insurance agency in Wilmington, NC, operating under Symmetry Financial Group, selling mortgage protection, term and permanent life, final expense, disability, critical illness, and retirement products to individual consumers and families across 14 U.S. states via licensed agents and the Quility online platform.

Ownership category

akta.pro rank

Product category

Life Insurance Services

NAICS

Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAAAA

Level Term Life Insurance

Financial & Insurance/Insurance — Life & Health/Term Life Insurance

Keywords

• Life insurance agency
• Mortgage protection insurance
• Final expense insurance
• Disability insurance coverage
• Retirement income solutions

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Commission Revenue: Earns commissions from insurance carriers for selling life insurance policies including mortgage protection, term life, permanent life, final expense, disability, critical illness, and retirement solutions. Commissions are earned on new policy sales and potentially renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Younglife Group is an independent insurance agency operating under Symmetry Financial Group that sells life insurance and supplemental insurance products to individuals and families. The agency offers mortgage protection, term life, permanent life, final expense, disability, critical illness, and retirement solutions, plus a proprietary Debt Free Life® program that helps clients become debt-free while protecting their families.

Product overview

Younglife Group is an insurance agency affiliated with Symmetry Financial Group offering a portfolio of insurance products and financial solutions. The core product line consists of eight distinct offerings: Mortgage Protection and Term Life (term-based coverage); Permanent Life (universal/whole life with cash value); Final Expense (burial insurance); Disability and Critical Illness (income and health protection); Debt Free Life® (a proprietary debt elimination program using life insurance cash value); and Retirement Solutions (annuities and IUL policies). The company serves individuals and families seeking financial protection, working with over 80 insurance carriers to match clients with personalized coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Protection Insurance Life insurance designed to pay off the homeowner's mortgage if the insured dies, so the family can keep their home without the mortgage burden. Targeted at homeowners with active mortgages.
• Term Life Insurance Life insurance coverage for a specified term (typically 10-30 years), providing a death benefit if the insured passes away during the term. Premiums start around $20/month for a 30-year, $250,000 policy for a healthy 30-year-old.
• Permanent Life Insurance Whole-of-life coverage that lasts the insured's entire lifetime and builds cash value over time, combining lifelong protection with a savings component.
• Final Expense Insurance Small whole life policy designed to cover end-of-life expenses such as funeral costs, medical bills, and outstanding debts. Targeted primarily at individuals aged 50-85 who do not want to burden their family with these costs.
• Debt Free Life Program A proprietary program, supported by specialized software, that walks clients through a tailored plan to eliminate debt (often within 9 years or less) while simultaneously protecting their income and family through life insurance coverage.
• Disability Insurance Income protection coverage that pays a portion of the insured's income if they become unable to work due to illness or injury. Available as short-term or long-term disability policies.
• Critical Illness Insurance Lump-sum benefit paid directly to the insured upon diagnosis of a covered critical illness such as cancer, heart attack, or stroke, intended to cover out-of-pocket medical and living expenses.
• Retirement Solutions Financial products, often including indexed universal life (IUL) or annuities, designed to generate tax-advantaged retirement income and protect principal from market downturns.

Quantifiable outcome

• Average debt payoff timeline of 9 years or less with Debt Free Life program
• +2 more outcomes

Named customers3 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

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Symmetry Financial GroupcoreChannel Partner/ Reseller/ DistributorYoung Life Group operates as a licensed insurance agency under Symmetry Financial Group, accessing their technology platform, lead generation programs, training support, and carrier relationships. Symmetry is a subsidiary of Quility Insurance and is described as the nation's leading independent IMO (Insurance Marketing Organization) with agents in all 50 states.
• Quility InsurancecoreTechnology or IntegrationParent company providing digital insurance products, revolutionary insurtech, Quility LeadStream lead generation program, and agency management applications. Powers the online quoting and application technology used by Symmetry agents.
• 80+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorInsurance carriers providing life insurance products including mortgage protection, term life, permanent life, final expense, disability, critical illness, and retirement solutions. Access to multiple carriers enables personalized policy matching for customers.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Primerica: Large independent sales-force distributor of term life insurance among middle-income families in the U.S. and Canada; uses a multi-carrier platform and agent-led distribution targeting the same homeowners-with-mortgage and middle-market household segments as Younglife.
• World Financial Group (WFG): Transamerica-owned independent distributor of life insurance and investment products through a large agent network. Same IMO-style structure, same term life / mortgage protection / retirement product focus, same agent-led GTM.
• Symmetry Financial Group: Parent IMO under which Younglife Group is a licensed agency; operates the same multi-carrier life insurance distribution model across all 50 states with $1B+ submitted annual premium. Directly comparable business model, product mix, and Quility-powered technology stack.
• Quility Insurance: Ultimate parent of Younglife's operating umbrella; provides the insurtech quoting/application platform, LeadStream lead program, and carrier integrations. Same life insurance distribution model with overlapping carrier panel and product set.

Broad incumbents

• Mutual of Omaha: Direct-to-consumer and agent-sold life insurance carrier offering term, whole, universal, and final expense policies plus disability. Competes head-on with Younglife in mortgage protection, final expense, and retirement solutions.
• Northwestern Mutual: Major U.S. life insurance carrier and wealth manager with a career-advisor distribution channel; sells term, whole, and UL life plus disability and retirement products to the same middle-market households Younglife targets. Larger, broader incumbent.
• New York Life: Large mutual life insurance carrier with an extensive career-agent distribution channel selling term, whole, and universal life plus retirement products. Overlaps directly with Younglife on product categories and target segments but operates as a carrier with captive agents.
• Transamerica: Large life insurance carrier distributing term life, UL/IUL, and retirement products through career agents and IMOs including WFG; overlaps with Younglife's mortgage protection, term life, and retirement solutions offerings.

Emerging players

• Ethos Life: Direct-to-consumer digital life insurance carrier offering simplified-issue term and whole life policies without medical exams; competes for the same simplified-underwriting, online-quote consumer that Younglife targets via the Quility platform.
• F&G (Fidelity & Guaranty Life): Insurance carrier specializing in indexed universal life (IUL) and annuities marketed through independent agents; directly comparable to Younglife's retirement solutions / IUL pitch and final expense whole life offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/younglifegroup

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 Younglife Group