Loreen & Lane, Llc
Loreen & Lane, LLC (The Retirement Answer Team) is an independent, veteran-owned Medicare and life insurance agency founded in 2012. It serves Medicare-eligible individuals, retirees, and employer groups across all 50 states from offices in NM, TX, WY, and AZ.
- Company typePrivate
- Founded-
- HeadquartersRio Rancho, United States
- Headcount—
- GTM typeB2C
- OfferingServices
What Loreen & Lane, Llc does
Loreen & Lane, LLC, operating as "The Retirement Answer Team," is an independent, veteran-owned Medicare and life insurance brokerage founded in 2012 and domiciled in New Mexico. The firm provides one-on-one guidance on Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans, alongside a broader portfolio of supplemental coverage including dental, vision, hospital indemnity, cancer and cardiac, homecare, recovery care, and long-term care insurance. It also distributes term and universal life insurance and annuities to retirees and pre-retirees seeking income protection and retirement planning solutions. The primary customer segments are Medicare-eligible individuals (typically aged 65+) and retirees requiring income-protection products, served across all 50 states through a licensed-agent model.
The firm operates as a multi-carrier independent agency, earning commission revenue from Aetna, Humana, UnitedHealthcare, Cigna, Blue Cross Blue Shield, Mutual of Omaha, Wellcare, Anthem, Devoted Health, and additional carriers. Services are delivered at no cost to clients through inside sales — primarily phone-based consultations booked via Calendly — with regional phone numbers connecting prospects to local specialists in New Mexico, Texas, Wyoming, and Arizona. No proprietary technology platform, carrier-side integrations, or pricing structure beyond commission-based compensation is disclosed.
Operationally, the firm runs a small specialist team of approximately 11 licensed Medicare and life insurance agents plus a Director of Customer Experience, supported by an internal "Medicare University" training curriculum that all agents must complete before client engagement. Founder and Managing Broker Tim Meuret, an Air Force veteran with 18 years in the Life & Health industry, anchors the public-facing content strategy through the "Medicare Professor" brand, which includes an educational blog, a Medicare 101 webinar, an email newsletter, and presence on Quora, Skool, and Reddit. The firm has also extended into employer-side group benefits via a "Benefits Answer Team" sub-brand. No institutional funding, M&A activity, AI capabilities, or proprietary technology are disclosed in available materials.
Loreen & Lane, Llc firmographics
Firmographics- Name
- Loreen & Lane, Llc
- Legal name
- Loreen & Lane, LLC
- Website
- https://www.retirementanswerteam.com
- Company type
- Private
- Operating status
- Operating
- Short description
- Loreen & Lane, LLC (The Retirement Answer Team) is an independent, veteran-owned Medicare and life insurance agency founded in 2012. It serves Medicare-eligible individuals, retirees, and employer groups across all 50 states from offices in NM, TX, WY, and AZ.
- Ownership category
- akta.pro rank
Loreen & Lane, Llc industry classification
Industry- Product category
- Medicare and Life Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
Keywords
Where Loreen & Lane, Llc is headquartered
LocationHeadquarters
- HQ city
- Rio Rancho
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Loreen & Lane, Llc business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commissions: The company earns commissions from insurance carriers for enrolling clients in Medicare Advantage, Supplement, Part D, dental, vision, life insurance, annuities, and other insurance products. As an independent agency, they represent multiple carriers and receive compensation when clients purchase policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free consultation |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Loreen & Lane, Llc product offering
Product offeringCore offering
Loreen & Lane is an independent insurance brokerage that helps individuals and small groups compare and enroll in Medicare Advantage, Medicare Supplement, Part D prescription drug, dental, vision, life insurance, annuity, and supplemental health products from multiple carriers. Licensed agents provide no-cost consultations, verify doctor and hospital network participation, optimize medication costs, and conduct annual plan reviews for clients across all 50 U.S. states.
Product overview
Loreen & Lane, LLC (The Retirement Answer Team) is an independent Medicare and life insurance agency that offers a comprehensive portfolio of retirement and insurance products. The core offering centers on Medicare coverage including Medicare Advantage (Part C), Medicare Supplement/Medigap, and Part D prescription drug plans, with services for doctor and hospital network verification and annual plan reviews. These core Medicare products are complemented by supplemental insurance products including dental, vision, hospital indemnity, cancer & cardiac, homecare, recovery care, and long term care coverage. The agency also offers life insurance products (term, universal, and final expense) and annuities for retirement income planning. All products are offered through an independent agency model, allowing agents to compare options across multiple carriers to match clients with coverage that fits their doctors, medications, and budget.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage (Part C) Medicare Part C plans that bundle hospital (Part A) and medical (Part B) coverage, often including dental, vision, and hearing benefits, brokered across multiple carriers for individual Medicare-eligible clients.
- Medicare Supplement / Medigap Supplemental insurance policies that fill the gaps in Original Medicare, covering copayments, coinsurance, and deductibles, brokered for individual Medicare-eligible clients across multiple carriers.
- Part D Prescription Drug Plans Standalone Medicare Part D prescription drug coverage plans that help cover medication costs at participating pharmacies, brokered for individuals based on their specific medication list to minimize out-of-pocket spend.
- Dental Coverage Standalone and bundled dental insurance plans covering preventive care, cleanings, fillings, crowns, and major dental procedures, brokered for individual clients to fill gaps left by Original Medicare.
- Vision Coverage Vision insurance covering annual eye exams, frames, lenses, and allowances for corrective eyewear, brokered for individual clients to supplement Medicare coverage gaps.
- Final Expense Simple, affordable whole life coverage designed to handle funeral and end-of-life costs, often available with no medical exam and benefits that never decrease, brokered for individual clients.
- Hospital Indemnity Cash-benefit insurance that pays directly to policyholders to help cover out-of-pocket costs of hospital stays including copays and everyday bills.
- Term & Universal Life Life insurance products including term life for temporary protection needs and universal life for lifelong protection, designed to protect income and dependents.
- Annuities Retirement income products that turn a portion of savings into reliable, predictable income that cannot be outlived, with guaranteed income options and protection from market downturns.
- Cancer & Cardiac Critical illness insurance providing lump-sum cash protection if diagnosed with cancer, heart attack, or stroke, giving policyholders flexible use of benefit funds.
- Homecare Insurance coverage to help cover in-home care costs, enabling policyholders to stay safely in their own homes.
- Recovery Care Short-term insurance support for recovery following a hospital stay, covering transitional care needs after discharge.
- Long Term Care Extended care insurance covering nursing facilities, assisted living, or in-home support for individuals needing prolonged care.
- Medicare Review Consultation Complimentary one-on-one appointment with a Medicare University-trained licensed agent to compare Medicare options, verify doctor and hospital network participation, and optimize medication costs on Part D plans.
- Annual Plan Review Yearly review of an enrolled client's Medicare plan, drug formulary, doctor network, and benefits to ensure continued fit and to prevent overpaying as carrier networks and plan terms change.
Quantifiable outcome
- Free consultations with no cost or obligation to clients
- +1 more outcomes
Companies that use Loreen & Lane, Llc
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Loreen & Lane, Llc technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Loreen & Lane, Llc partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- AetnacoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- HumanacoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- UnitedHealthcarecoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- CignacoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- Blue Cross Blue ShieldcoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- Mutual of OmahacoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- WellcarecoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- AnthemcoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
- Devoted HealthcoreInsurance carrier represented by Loreen & Lane for Medicare and health insurance products.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Loreen & Lane, Llc competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Loreen & Lane, Llc social profiles
Digital presenceLoreen & Lane, Llc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loreen & Lane, Llc leadership team
Management profileNumber of profiles
Profiles10 records
Loreen & Lane, Llc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loreen & Lane, Llc 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 Loreen & Lane, Llc
What does Loreen & Lane, Llc do?
Loreen & Lane is an independent insurance brokerage that helps individuals and small groups compare and enroll in Medicare Advantage, Medicare Supplement, Part D prescription drug, dental, vision, life insurance, annuity, and supplemental health products from multiple carriers. Licensed agents provide no-cost consultations, verify doctor and hospital network participation, optimize medication costs, and conduct annual plan reviews for clients across all 50 U.S. states.
Is Loreen & Lane, Llc a public or private company?
Loreen & Lane, Llc is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Loreen & Lane, Llc founded?
Loreen & Lane, Llc was founded in -1.
Where is Loreen & Lane, Llc based?
Loreen & Lane, Llc is headquartered in Rio Rancho, United States, in the North America region.
How does Loreen & Lane, Llc make money?
One revenue line is on record: insurance Commissions.
Does Loreen & Lane, Llc have an API?
No public API is recorded for Loreen & Lane, Llc.
What industry is Loreen & Lane, Llc in?
Loreen & Lane, Llc's product category is Medicare and Life Insurance Brokerage. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs). Its NAICS code is 52421 and its SIC code is 6321.