Insurance Broker
Health & Wealth Agency (FFL Health & Wealth) is a US-based independent marketing organization that distributes life insurance, retirement planning, and annuity products to over one million individuals and families annually through a licensed agent network, operating as a partner of Integrity Marketing Group.
- Company typePrivate
- Founded-
- HeadquartersSaint Clair Shores, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Insurance Broker does
Health & Wealth Agency, operating under the brand FFL Health & Wealth, is a US-based Independent Marketing Organization (IMO) headquartered in Parkland, Florida, that distributes life insurance, health insurance, and wealth management products to individual consumers and families nationwide. The agency specializes in life insurance for mortgage protection and final expenses, universal life policies for retirement planning, and fixed index annuities for asset protection, and reaches over one million Americans annually through a network of licensed agents and advisors operating in-person, by phone, and online. The company is led by President Steve Giordano and employs 501-1,000 people.
In October 2023, Health & Wealth Agency entered a strategic partnership with Integrity Marketing Group, LLC, a Dallas-based leading distributor of life and health insurance. Through this partnership, the agency gained access to Integrity's proprietary full-stack technology platform — including the MarketingCENTER portal for customizable marketing assets, LeadCENTER for real-time lead services, and Ask Integrity, an AI-powered voice-activated CRM — as well as Integrity's network of over 550,000 agents and advisors and its carrier product set. In 2022, Integrity's broader platform helped carriers place over $22 billion in new sales and oversaw more than $40 billion in assets under management.
The agency's revenue model is commission-based: it acts as a distribution intermediary between insurance carriers and end consumers, earning transaction fees on policies placed by its agent network. Products are priced individually through agent-mediated consultations, with no publicly disclosed pricing. The company's go-to-market relies on recruiting and enabling licensed agents, equipping them with lead generation, marketing, and CRM tooling (sourced via Integrity), and distributing carrier products across the United States. The agency maintains no disclosed institutional investors, parent entity, or subsidiary structure, and operates as a privately held, founder-led IMO within Integrity's partner ecosystem.
Insurance Broker firmographics
Firmographics- Name
- Insurance Broker
- Legal name
- Health & Wealth Agency
- Website
- https://infofflhw.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Health & Wealth Agency (FFL Health & Wealth) is a US-based independent marketing organization that distributes life insurance, retirement planning, and annuity products to over one million individuals and families annually through a licensed agent network, operating as a partner of Integrity Marketing Group.
- Ownership category
- akta.pro rank
Insurance Broker industry classification
Industry- Product category
- Insurance Distribution
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)
- akta.pro secondary industries
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)
Keywords
Where Insurance Broker is headquartered
LocationHeadquarters
- HQ city
- Saint Clair Shores
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Insurance Broker business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Distribution: Insurance Broker acts as a distribution intermediary for insurance carriers, earning commissions on life insurance products (mortgage protection, final expenses), retirement planning products (universal policies), and fixed index annuities. Revenue is generated through agent-mediated sales to individual consumers and families.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Insurance Broker product offering
Product offeringCore offering
Health & Wealth Agency operates as an independent marketing organization (IMO) distributing life insurance products (mortgage protection and final expense coverage), universal life policies for retirement planning, and fixed index annuities for asset protection to individuals and families nationwide. The agency leverages Integrity Marketing Group's proprietary technology platform, agent network of over 550,000 advisors, and product resources to serve more than one million Americans annually through licensed agents.
Product overview
FFL Health & Wealth operates as an independent marketing organization (IMO) offering a portfolio of insurance and financial products. The core offerings consist of life insurance for mortgage protection and final expenses, universal life policies for retirement planning, and fixed index annuities for assist protection. The agency leverages Integrity's full-stack technology suite — comprising MarketingCENTER, LeadCENTER, and Ask Integrity (an AI-powered voice-activated CRM) — to equip its agents with marketing assets, lead services, and customer management capabilities. The company serves over one million Americans annually across life, health, and wealth distribution.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance Products Life insurance products sold for mortgage protection and final expense coverage, distributed to individuals and families across the United States through a network of licensed agents and advisors.
- Universal Life Policies Universal life insurance policies used for retirement planning, designed to help families build long-term financial security and prepare for future financial needs.
- Fixed Index Annuities Fixed index annuity products that provide asset protection with growth potential, used as part of retirement and wealth preservation strategies for individuals and families.
- Wealth Management and Retirement Planning Wealth management and retirement planning solutions provided through the partnership with Integrity Marketing Group, addressing clients' long-term financial goals including asset accumulation and income planning.
Companies that use Insurance Broker
Customer profileSegments1 record
Ideal customer profiles1 record
Insurance Broker technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Insurance Broker partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Integrity Marketing Group, LLCcoreIntegrity Marketing Group, a leading distributor of life and health insurance based in Dallas, Texas, partnered with Health & Wealth Agency on October 24, 2023. The partnership enables the agency to leverage Integrity's proprietary technology platform including MarketingCENTER, LeadCENTER, and Ask Integrity AI-powered CRM. In 2022, Integrity helped carriers place over $22 billion in new sales and oversaw more than $40 billion of assets under management through its RIA and broker-dealer platforms. The partnership transforms the agency's business operations and provides agents with resources, support, and access to Integrity's network of over 550,000 agents and advisors.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Insurance Broker competitors and assessment
Company assessmentDirect peers
- Primerica: Public peer distributing term life insurance, mutual funds, and annuity products through a large captive agent force, with a comparable middle-income client focus and similar agent-mediated distribution model.
- American Amicable Life Insurance Company: Life insurance carrier specializing in simplified-issue and final expense products distributed through independent agents and IMOs, closely aligned with the agency's final expense and mortgage protection focus.
- SelectQuote: Direct-to-consumer insurance distribution platform with strong focus on term life, final expense, and senior-market products, competing for the same household-level insurance buyer through a different go-to-market.
- Globe Life: Large direct-to-consumer and agent-distributed life and supplemental health insurer focused on middle-income households, closely overlapping the agency's target customer and distribution style.
- Family First Life: The umbrella IMO organization under which Health & Wealth Agency operates (FFL Health & Wealth), distributing life insurance and annuities through licensed agents nationwide with the same product emphasis on mortgage protection, final expense, and retirement planning.
- National Western Life Insurance Company: Life insurance and annuity carrier with strong focus on fixed index annuities and retirement products distributed through independent agents, a direct peer on the FIA and retirement side of Health & Wealth's product mix.
- eHealth: Online health insurance marketplace and distributor serving individuals and families with Medicare, ACA, and ancillary products, comparable on the health distribution side of Health & Wealth's portfolio.
- GoHealth: Health insurance distribution platform focused on Medicare and individual market products, a direct peer on the health insurance brokerage side of the agency's offerings.
Broad incumbents
- Integrity Marketing Group: Strategic partner and one of the largest US IMOs with 550,000+ agents/advisors and $22B+ in annual placed sales (2022); operates at a substantially larger scale and provides the technology stack and carrier relationships Health & Wealth leverages.
- Transamerica: Large incumbent life insurance and retirement provider with significant agent distribution, overlapping with Health & Wealth on life insurance, UL, and annuity products but operating as a carrier rather than pure distributor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Insurance Broker social profiles
Digital presenceInsurance Broker financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insurance Broker leadership team
Management profileNumber of profiles
Profiles1 record
Insurance Broker funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insurance Broker 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 Insurance Broker
What does Insurance Broker do?
Health & Wealth Agency operates as an independent marketing organization (IMO) distributing life insurance products (mortgage protection and final expense coverage), universal life policies for retirement planning, and fixed index annuities for asset protection to individuals and families nationwide. The agency leverages Integrity Marketing Group's proprietary technology platform, agent network of over 550,000 advisors, and product resources to serve more than one million Americans annually through licensed agents.
Is Insurance Broker a public or private company?
Insurance Broker is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Insurance Broker founded?
Insurance Broker was founded in -1. It employs 501 to 1,000 people.
Where is Insurance Broker based?
Insurance Broker is headquartered in Saint Clair Shores, United States, in the North America region.
How does Insurance Broker make money?
One revenue line is on record: insurance Distribution.
Who are Insurance Broker's main competitors?
Direct peers on record are Primerica, American Amicable Life Insurance Company, SelectQuote, Globe Life, Family First Life, National Western Life Insurance Company, eHealth and GoHealth. Broad incumbents are Integrity Marketing Group and Transamerica.
Does Insurance Broker have an API?
No public API is recorded for Insurance Broker.
What industry is Insurance Broker in?
Insurance Broker's product category is Insurance Distribution. Its primary akta.pro industry code is FSAEABAH, Annuity & Insurance-Based Retirement Solutions Advisory, with a secondary code of FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 5242 and its SIC code is 6411.