Insurance Broker

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.

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

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

• Life insurance distribution
• Mortgage protection insurance
• Retirement planning services
• Fixed index annuities
• Independent marketing organization

Headquarters

HQ city

Saint Clair Shores

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 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

Core 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.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Partnerships

One partnership is on record.

• Integrity Marketing Group, LLCcoreStrategic or Co-development Partner · 24 October 2023Integrity 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

Direct 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

• YouTubeyoutube.com/channel/UC0MjRC0WxEEdnnMymsZgXhA
• Instagraminstagram.com/fflhealthandwealth
• Facebookfacebook.com/fflhealthwealth
• LinkedInlinkedin.com/company/infofflhw

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 Insurance Broker