Rtc Insurance Services, Llc

What Rtc Insurance Services, Llc does

RTC Insurance Services, LLC is a privately held insurance brokerage and consulting firm headquartered in Laguna Niguel, California, founded in 1989. The firm provides health, life, dental, vision, telemedicine, and employee benefits products to individuals and employers, alongside business property and liability coverage and financial consulting services such as alternative stress funding. Its primary area of specialization is Reference-Based Pricing (RBP) for self-insured employer medical plans, where its consultants operate as Certified Senior Reference-Based Pricing (CRBP) specialists negotiating billed charges against settled claims with hospitals and providers.

The company has built its RBP and broader consulting practice around deep knowledge of U.S. and international medical carrier structures, accumulated over more than 35 years, and extends this expertise to healthcare providers and facilities on payment strategy. It maintains an HR support practice that assists HR departments with recruitment, compliance, finance, employee education, and benefits brokerage decisions, and offers client references as a primary trust mechanism. The firm also serves individuals and families with over 50 health plan options, distributed through both direct consultative sales and third-party digital quote portals (insuranceforeveryone.com and coverageforlife.net).

Revenue is generated through insurance brokerage commissions on placed policies and recurring consulting fees for benefits program management and RBP settlement work. Distribution combines a consultative direct sales motion targeting HR departments and C-suite buyers at small, medium, and large employers, with self-serve digital channels for individual consumers. There are no disclosed funding events, institutional investors, headcount figures, or office locations beyond the Laguna Niguel base, and the firm shows no evidence of AI/ML capability, M&A activity, or international expansion at this time.

Name

Rtc Insurance Services, Llc

Legal name

RTC Insurance Services, LLC

Website

https://rtcadvisors.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

RTC Insurance Services, LLC is a privately held Laguna Niguel-based insurance brokerage and consulting firm, founded in 1989, specializing in Reference-Based Pricing self-insured medical plans and offering health, life, dental, vision, and employee benefits to employers, individuals, and healthcare providers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Benefits Consulting

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industry

Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Health insurance brokerage
• Employee benefits consulting
• Reference-based pricing
• Self-insured medical plans
• Insurance consulting services

Headquarters

HQ city

Laguna Niguel

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Brokerage and Consulting Commissions: The company serves as an insurance broker/consultant earning commissions from insurance carriers for placing employee benefits, health plans, and individual insurance products. Revenue is generated through commissions on insurance policies sold and ongoing consulting fees for benefits program management.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

RTC Insurance Services is an insurance brokerage and benefits consulting firm that places individual and group insurance products (health, dental, vision, telemedicine, life, disability, long-term care, annuities, 401K, property and liability) with major U.S. and international carriers, and provides expert consulting on self-insured medical plans using a Reference-Based Pricing (RBP) methodology. Its CRBP-certified specialists negotiate billed charges versus settled claims on behalf of employers, advise HR departments on benefits optimization, and provide healthcare provider payment strategy consulting to improve outcomes for facilities and physician groups.

Product overview

RTC Insurance Services provides a comprehensive insurance and benefits portfolio for both individuals and businesses. The company offers individual products including health, dental, vision, telemedicine, and life insurance through their individuals page. For employers, they provide employee benefits programs, health plans, retirement planning (401Ks), disability income, and long-term care products. Their primary expertise lies in self-insured medical plans using reference-based pricing (RBP) approaches, where they serve as certified senior reference-based pricing (CRBP) specialists. They also offer HR support services, claims settlement negotiation, and healthcare provider payment strategy consulting. The company operates with extensive relationships cultivated since 1989, offering creative and customized solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual and Family Health Insurance Health insurance plans for individuals and families, offering over 50 quality plans designed to fit various needs and budgets, available for self-employed individuals, those between jobs, or those seeking new coverage.
• Individual and Family Dental Insurance Dental insurance plans covering individual and family needs, with access to in-network providers.
• Individual Vision Insurance Vision insurance that lowers costs for eye exams, prescription glasses, and contact lenses when using in-network providers, including detection of serious conditions like glaucoma, cataracts, and macular degeneration.
• Telemedicine Services Remote healthcare consultations via video or phone, allowing patients to meet with healthcare professionals virtually with secure online appointments.
• Individual Life Insurance Life insurance products designed to protect loved ones from financial impact in case of death.
• Employee Benefits Programs Customized employee benefits including health plans, retirement plans, and private insurance solutions for businesses.
• Group Life Insurance Life insurance options as part of the comprehensive group insurance portfolio for employers.
• Group Annuities Annuity products for retirement and financial planning offered to employer groups.
• Disability Income Products Disability income protection products offered as part of the employee benefits portfolio.
• Long-Term Care Products Long-term care insurance products offered to employer groups.
• 401K Retirement Plans Retirement planning products including 401K plans offered to employer groups.
• Reference-Based Pricing (RBP) Self-Insured Plans Self-insured medical plans using reference-based pricing approach that produces better payments for healthcare services while maintaining doctor-patient relationships.
• Healthcare Provider Payment Strategies Strategies to help providers and facilities create payment strategies that improve care and achieve better results through direct negotiations.
• Healthcare Program Development Consulting Consulting services to build healthcare programs for employers, both for fully insured and self-insured medical plans.
• Claims Settlement Negotiation Services Negotiation services with hospitals and providers relating to billed charges vs. settled claims, helping assess analytics to give employers more power during settlement process.
• HR Support Services Backing HR professionals with resources supporting recruitment, compliance, workplace environment, finance, management of human assets, employee education, benefit negotiations, and broker choices.
• Employee Benefits Consulting Expert consulting for small, large, and medium-sized businesses to introduce efficient solutions to benefits programs and employee relations, working side-by-side with HR teams.
• Business Property and Liability Insurance Business property and liability coverage for commercial clients.
• Business Financial Consulting and Alternative Stress Funding Financial consulting services including alternative stress funding for businesses.

Quantifiable outcome

• Positive settlements for clients through Reference-Based Pricing negotiations
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Hub International: North American insurance brokerage offering employee benefits, commercial, and personal lines through both direct and partner channels—directly comparable multi-product brokerage model to RTC but operating at national and regional scale.
• Brown & Brown, Inc. Large US insurance brokerage and consulting firm with growing focus on employee benefits and commercial property/casualty—operates in the same multi-line brokerage model as RTC but at significantly broader geographic and segment scale.
• USI Insurance Services: Large US insurance brokerage and consulting firm with a strong employee benefits and risk-management practice for middle-market employers—comparable benefits-brokerage offering and consultative delivery to RTC, but at meaningfully greater scale.
• Arthur J. Gallagher & Co. Major global insurance brokerage and risk-management firm with an extensive employer benefits and consulting segment; comparable offering breadth to RTC across health, life, disability, and retirement products, though much larger and more diversified.
• NFP (an Aon company): US-focused insurance brokerage and consulting firm with deep employee benefits and HR consulting capabilities—competes directly in the same benefits brokerage and consulting market as RTC but at much larger scale across multiple geographies.
• Lockton Companies: The world's largest independent insurance brokerage with a substantial employee benefits and consulting practice serving mid-to-large employers—competes with RTC in the same benefits brokerage and consulting space but at significantly greater scale.

Regional players

• M3 Insurance: Mid-size US (Midwest-rooted) insurance brokerage with a robust employee benefits practice serving small and mid-market employers—operates the same consultative multi-line brokerage model as RTC, primarily in a different regional footprint.

Direct peers

• Conner Strong & Buckelew: Mid-Atlantic insurance brokerage and benefits consulting firm serving mid-market employers with self-funded plan design, RBP-adjacent solutions, and HR support—high overlap with RTC's employer benefits and self-insured consulting approach.
• Holmes Murphy & Associates: Mid-size US insurance brokerage and consulting firm with deep emphasis on employee benefits, self-funded health plans, and risk-management consulting for employers—closely mirroring RTC's CRBP-style self-insured expertise and consultative sales model.
• OneDigital: One of the largest US employee benefits-focused consultancies, specializing in benefits brokerage, HR consulting, and self-insured plan design for mid-market and large employers—directly analogous to RTC's core employer benefits and self-insured (RBP-adjacent) value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/rtcadvisors

Revenue estimate

Valuation estimate

Number of profiles

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 Rtc Insurance Services, Llc