Goinsurancepal
GoInsurancePAL is an independently owned U.S. insurance brokerage founded in 2011 by Keith Hatchett, connecting individuals, families, small businesses, and large corporations with multiple carriers across life, health, dental, disability, home, annuity, and wealth-protection products via consultative phone- and website-driven sales, earning carrier commissions.
- Company typePrivate
- Founded2011
- HeadquartersOrmond Beach, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Goinsurancepal does
GoInsurancePAL (legal entity Go Insurance PAL, Inc.) is an independently owned and operated insurance brokerage founded in 2011 by Keith Hatchett, headquartered in the United States and distributing insurance and financial products across all 50 states via phone-based consultations, a website consultation-scheduling funnel, and an independent agent network. The firm connects clients with multiple insurance carriers rather than acting as a captive agent, and offers a broad product portfolio organized into four protection categories: Health Protection (health, dental, disability), Life Protection (term life, term life with living benefits, whole life, IUL, home), Money Protection (annuities, legal shield, premium financing), and Wealth Protection (infinite banking concept, buy-sell agreements); auto insurance and defined contribution plans round out the catalog.
The company has no proprietary technology platform — it serves as a human-led intermediary, with no API, no integrations, and no AI/ML capabilities disclosed. Its principal productized innovation is the proprietary "Hatchettization" dual-policy program, which pairs a high-deductible medical plan with a $500,000 term life policy that includes living benefits, claimed to cut client costs by 50% while doubling benefits. Product pricing varies by line: dental insurance is approximately $12 per person per month with $0 deductible and unlimited coverage; premium financing targets individuals with $1M+ net worth; the infinite banking concept uses specially designed participating whole life policies from mutual carriers.
GoInsurancePAL monetizes exclusively via commissions paid by carriers for policies placed, with a sales-led GTM motion emphasizing free one-to-one consultations, educational blog content, social media presence (Facebook, X, Instagram), and email newsletter capture. Target segments span individuals and families, small businesses, and large corporations. The company reports 12,000+ lifetime clients and a 97% client retention rate, and is associated with The Elease Project Charity, which funds out-of-pocket dental costs for those in need. There is no disclosed institutional funding, no parent company, and no public listing; the firm remains founder-led and closely held.
Goinsurancepal firmographics
Firmographics- Name
- Goinsurancepal
- Legal name
- Go Insurance PAL, Inc.
- Website
- https://goinsurancepal.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- GoInsurancePAL is an independently owned U.S. insurance brokerage founded in 2011 by Keith Hatchett, connecting individuals, families, small businesses, and large corporations with multiple carriers across life, health, dental, disability, home, annuity, and wealth-protection products via consultative phone- and website-driven sales, earning carrier commissions.
- Ownership category
- akta.pro rank
Goinsurancepal industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industry
- Participating (Dividend) Whole Life Insurance (FSAIABAI)
Keywords
Where Goinsurancepal is headquartered
LocationHeadquarters
- HQ city
- Ormond Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Goinsurancepal business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Others
Revenue model
- Insurance Commissions: GoInsurancePAL earns revenue through commissions paid by insurance carriers for policies sold. As an independent insurance brokerage, they work with multiple carriers and receive commission payments when clients purchase insurance products through their guidance. The company is independently owned and operated, allowing them to work with many insurance carriers to find the best protection for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Health Insurance - Dual Policy Savings Program |
| Subscription | Monthly | Dental Insurance Program |
| Other | Pay-as-you-go | Premium Financing Options |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Goinsurancepal product offering
Product offeringCore offering
GoInsurancePAL is an independently owned insurance brokerage that connects individuals, families, small businesses, and large corporations with insurance products from multiple carriers across health, dental, life, home, annuity, legal, and wealth categories. The firm earns commissions on placed policies and differentiates through consultative one-to-one guidance, a proprietary dual-policy savings program called 'Hatchettization,' and wealth strategies such as infinite banking and premium financing.
Product overview
GoInsurancePAL is an independently owned and operated insurance brokerage offering a comprehensive portfolio of insurance products and financial services. The company provides four main protection categories: Health Protection (Health Insurance, Dental Insurance, Disability Insurance), Life Protection (Term Life Insurance, Whole Life Insurance, Term Life Insurance with Living Benefits, Index Universal Life Insurance, Home Insurance), Money Protection (Annuities, Legal Shield, Premium Financing), and Wealth Protection (Infinite Banking Concept, Buy-Sell Agreements). Additional offerings include Auto Insurance and Defined Contribution plans. The company differentiates through a '1-on-1 approach' connecting customers with multiple insurance carriers, emphasizing both offense (wealth building) and defense (loss protection) strategies. Founded in 2011 by Keith Hatchett, the company has over 12,000 satisfied clients with a 97% client retention rate.
Differentiator
Problem solved
Functional benefit
Products and services
- Health Insurance
- Dental Insurance
- Disability Insurance
- Term Life Insurance
- Whole Life Insurance
- Term Life Insurance with Living Benefits
- Index Universal Life Insurance (IUL)
- Home Insurance
- Annuities
- Legal Shield
- Premium Financing
- Infinite Banking Concept
- Buy-Sell Agreements
- Auto Insurance
- Defined Contribution
Quantifiable outcome
- Slash insurance costs by 50% and increase benefits by 100%
- +3 more outcomes
Companies that use Goinsurancepal
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Goinsurancepal technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Goinsurancepal partnerships and signals
Strategic signalScale indicators5 records
Recent moves4 records
Expansion highlights4 records
Goinsurancepal competitors and assessment
Company assessmentDirect peers
- EverQuote: Online insurance marketplace connecting consumers with agents and carriers across auto, home, and life. Comparable as a digital insurance intermediary serving individuals shopping for coverage.
- Primerica: Multi-line financial services company distributing term life, investment, and other products through a large independent sales force. Comparable in serving middle-income families with a multi-carrier brokerage-style model.
- Policygenius: Online multi-line insurance brokerage distributing life, health, home, disability, and other coverage from multiple carriers. Direct competitor in the digital, multi-carrier advisory space serving individuals and families.
- Haven Life: Online term life insurance agency backed by MassMutual, offering simplified digital application and multiple carrier options. Comparable multi-carrier, digitally distributed life insurance intermediary.
- Quotacy: Online term life insurance brokerage comparing quotes from 50+ carriers for individuals. Comparable multi-carrier life distribution intermediary targeting individuals and families.
- SelectQuote: Publicly traded insurance brokerage offering term, whole, and other life and health products across multiple carriers. Closely comparable direct-to-consumer, multi-carrier distribution model.
- Ethos: Online life insurance agency offering term and whole life policies from multiple carriers with simplified digital application. Comparable as a digitally distributed multi-carrier life brokerage.
- Ladder Financial: Fully digital term life insurance provider offering instant underwriting and adjustable coverage. Comparable as a digitally-native life insurance intermediary serving individual consumers.
Broad incumbents
- New York Life: Major mutual life insurance carrier offering whole life, term life, annuities, and long-term care through a captive agent force. Comparable in emphasizing dividend-paying whole life and lifetime financial planning relationships.
- Northwestern Mutual: Large established financial services and insurance company offering life, disability, annuities, and wealth management through a captive advisor network. Comparable in selling whole life, term life, and infinite-banking-style wealth strategies to individuals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Goinsurancepal social profiles
Digital presenceGoinsurancepal financial estimates
Financial estimateRevenue estimate
Valuation estimate
Goinsurancepal leadership team
Management profileNumber of profiles
Profiles1 record
Goinsurancepal funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Goinsurancepal 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 Goinsurancepal
What does Goinsurancepal do?
GoInsurancePAL is an independently owned insurance brokerage that connects individuals, families, small businesses, and large corporations with insurance products from multiple carriers across health, dental, life, home, annuity, legal, and wealth categories. The firm earns commissions on placed policies and differentiates through consultative one-to-one guidance, a proprietary dual-policy savings program called 'Hatchettization,' and wealth strategies such as infinite banking and premium financing.
Is Goinsurancepal a public or private company?
Goinsurancepal is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Goinsurancepal founded?
Goinsurancepal was founded in 2011. It employs 1 to 10 people.
Where is Goinsurancepal based?
Goinsurancepal is headquartered in Ormond Beach, United States, in the North America region.
How does Goinsurancepal make money?
One revenue line is on record: insurance Commissions.
Who are Goinsurancepal's main competitors?
Direct peers on record are EverQuote, Primerica, Policygenius, Haven Life, Quotacy, SelectQuote, Ethos and Ladder Financial. Broad incumbents are New York Life and Northwestern Mutual.
Does Goinsurancepal have an API?
No public API is recorded for Goinsurancepal.
What industry is Goinsurancepal in?
Goinsurancepal's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAIABAI, Participating (Dividend) Whole Life Insurance. Its NAICS code is 52421 and its SIC code is 6411.