Globe Life Family Heritage Rogers Agency

What Globe Life Family Heritage Rogers Agency does

Globe Life Family Heritage Rogers Agency is a privately held, owner-operated insurance distribution agency headquartered in Lincoln, Nebraska. Founded in 2001 and operating as a captive agency under the Globe Life Family Heritage Division, the firm sells supplemental health and life insurance products directly to individual consumers and families. Its service area is concentrated in Nebraska, and the agency is led by Agency Owner Curtis Rogers, who has been recognized with the Hall of Distinguished Leaders award from Globe Life Family Heritage.

The agency's product portfolio consists of six core supplemental insurance lines: Cancer Insurance, Intensive Care Coverage, Heart/Stroke Insurance, Accident Insurance, Hospital Indemnity, and Life Insurance. Policies are sold through a dedicated in-person agent network that conducts home visits and personalized consultations, with coverage issued via simplified underwriting that requires no medical exam. A distinguishing feature is the Return of Premium rider, which allows policyholders to recover premiums tax-free (minus any claims) if they do not use their coverage. The underlying technology is a standard Wix-hosted website; there are no proprietary platforms, APIs, or digital underwriting systems disclosed.

The business model is subscription/recurring revenue derived from monthly insurance premiums collected via automatic bank deductions. Pricing is quote-based and varies by coverage amount, age, health status, and underwriting factors. Distribution relies entirely on direct-to-consumer field sales and referrals rather than third-party brokers or group channels. The agency employs 1-10 staff, generates revenue not publicly disclosed, and has no external investment, M&A activity, or funding rounds.

Name

Globe Life Family Heritage Rogers Agency

Legal name

Rogers Agency

Website

https://globeliferogersagency.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Globe Life Family Heritage Rogers Agency is a privately held, Nebraska-based insurance distribution agency that sells supplemental health and life insurance — including cancer, accident, heart/stroke, hospital indemnity, and life coverage — to individual consumers and families through a dedicated in-person agent network.

Ownership category

akta.pro rank

Product category

Supplemental Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Standalone Critical Illness Insurance (FSAIAKAA), Simplified Issue Whole Life / UL Insurance (FSAIABAH), Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB)

Keywords

• Supplemental health insurance
• Life insurance coverage
• Cancer insurance plans
• Accident insurance coverage
• Hospital indemnity insurance

Headquarters

HQ city

Lincoln

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, Infrastructure

Revenue model

1. Insurance Premiums: The agency generates revenue through the sale of supplemental insurance products including cancer, intensive care, heart/stroke, accident, hospital indemnity, and life insurance. Revenue is derived from policy premiums collected from customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Rogers Agency sells supplemental health and life insurance products directly to individuals and families through a dedicated agent network. The portfolio includes cancer insurance, intensive care coverage, heart/stroke insurance, accident insurance, hospital indemnity, and life insurance, with benefits paid directly to policyholders. Policies are offered as supplemental coverage to complement primary health insurance and feature simplified underwriting and optional Return of Premium benefits.

Product overview

Globe Life Family Heritage Rogers Agency offers a portfolio of supplemental insurance products designed to provide financial security and protection against unexpected health events. The product suite consists of six core insurance offerings: Cancer Insurance, Intensive Care Coverage, Heart/Stroke Insurance, Accident Insurance, Hospital Indemnity, and Life Insurance. These products work together as a comprehensive supplemental insurance solution, paying benefits directly to policyholders to help manage out-of-pocket expenses that major medical insurance may not cover. The agency also offers a Return of Premium feature on select policies, allowing policyholders to potentially receive their premiums back tax-free if they don't use their coverage. All products are distributed through a dedicated agent network and are available as supplemental coverage to complement primary health insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Cancer Insurance Supplemental cancer insurance for individuals and families that pays benefits directly to policyholders to help manage financial necessities arising from cancer diagnosis and treatment, including first occurrence internal/skin cancer, hospitalization, ambulance, radiation and chemotherapy planning and treatment, self-administered chemotherapy, special treatment, surgery and anesthesia, reconstructive breast surgery, second surgical opinion, bone marrow transplant and donor, wellness benefit, hospice, and patient/family transportation and lodging.
• Intensive Care Coverage Supplemental insurance specifically focused on intensive care unit (ICU) hospital stays related to severe illness or injury, providing benefits for ICU confinement (benefit doubles if confinement is due to a vehicular accident), step-down unit, ambulance, air ambulance, and accidental death.
• Heart/Stroke Insurance Supplemental heart attack and stroke insurance plan that pays benefits to address out-of-pocket costs associated with heart-related illness, including first occurrence, hospitalization, ambulance, surgery and anesthesia, healthy heart benefit, patient and family member transportation, family member lodging, physical therapy, and heart transplant coverage.
• Accident Insurance Supplemental accident insurance providing coverage for bodily injuries resulting from life's accidents, including hospitalization, physical therapy, ambulance, surgery and fractures, emergency treatment, lacerations, dismemberment, observation room, dislocation, and concussion/coma.
• Hospital Indemnity Hospital indemnity plan designed to help offset out-of-pocket expenses from long-term hospital stays with per diem payouts for inpatient hospital stays, addressing deductibles, coinsurance, and copayments.
• Life Insurance Life insurance products for adults and children designed to secure families' futures in the event of premature death, featuring simplified underwriting with no medical exam required, a variety of face amounts with immediate full face value, rapid policy issue, and convenient automatic monthly billing.

Quantifiable outcome

• Policies pay benefits directly to policyholders to help manage financial necessities

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Globe Life Family Heritage DivisioncoreOthersThe Rogers Agency operates as a licensed agency under Globe Life Family Heritage Division, offering their supplemental insurance products including cancer, intensive care, heart/stroke, accident, hospital indemnity, and life insurance coverage.

Scale indicators1 record

Expansion highlights3 records

Broad incumbents

• Colonial Life: Major supplemental insurance carrier distributing accident, cancer, hospital indemnity, and life products largely through worksite and individual agent channels. Highly comparable in product mix and captive-agent distribution model to Rogers Agency.
• Allstate Benefits: Supplemental insurance arm of Allstate offering accident, cancer, hospital indemnity, critical illness, and life products through captive agents. Comparable product mix and distribution structure to Rogers Agency under the Globe Life Family Heritage umbrella.
• Bankers Life (Colonial Penn): Insurance distributor focused on supplemental health, Medicare supplement, and life products marketed to middle-income Americans through a captive agent field force. Highly comparable target market and agent-led distribution model.
• Cigna Supplemental Health Benefits: Supplemental insurance arm of Cigna offering accident, critical illness, and hospital indemnity products, primarily distributed through employer/worksite channels. Comparable product portfolio targeting similar consumer pain points (out-of-pocket health costs).
• Aflac Incorporated: Largest dedicated supplemental health and life insurance carrier in the U.S., with a similar direct-to-consumer agent distribution model selling cancer, accident, hospital indemnity, and life products. Directly comparable product category and distribution approach to Rogers Agency, but at vastly greater scale.
• Combined Insurance (now part of Chubb): Supplemental insurance carrier offering accident, cancer, hospital indemnity, disability, and life products via a captive agent sales force. Comparable distribution approach and product portfolio to Rogers Agency, now operating as part of Chubb.
• Aetna Supplemental Health (CVS Health): Supplemental insurance carrier offering accident, critical illness, and hospital indemnity products typically distributed through employer groups and digital channels. Comparable product suite addressing out-of-pocket medical costs.

Others

• Globe Life Inc. Public parent organization of Globe Life Family Heritage Division, the carrier whose products the Rogers Agency distributes. Comparable because it is the underlying product manufacturer and franchisor whose products, commissions, and brand the agency represents.

Emerging players

• American Heritage Life Insurance Company (Allstate): Underwriting subsidiary for Allstate Benefits supplemental products. Comparable as a captive distribution-driven supplemental carrier with similar simplified-issue life and accident/cancer/hospital indemnity products.
• United American Insurance Company: Supplemental health and life insurance carrier owned by Globe Life Inc., offering cancer, accident, hospital, and Medicare supplement products via independent and captive agents. Direct sister-company to the carrier whose products Rogers Agency sells.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/globe-life-family-heritage-rogers-agency

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 Globe Life Family Heritage Rogers Agency