Everest International Group
Everest International Group is a Houston-based bilingual insurance brokerage distributing life, health, final expense, and international health policies through hundreds of licensed agents to Spanish-speaking individuals and families across the United States and Latin America.
- Company typePrivate
- Founded1994
- HeadquartersHouston, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Everest International Group does
Everest International Group is a Houston-based, privately held bilingual (Spanish-English) insurance brokerage that distributes life, health, final expense, and international health insurance products to Spanish-speaking individuals and families in the United States and Latin America. Founded circa 1994 by Luis Carvajal, the firm operates through a network of hundreds of licensed agents and earns revenue primarily from insurance commissions on policies placed with carrier partners such as American Amicable, alongside a secondary revenue stream from agent recruitment and training.
The company's product portfolio spans two regional tracks: a U.S. track offering Obamacare-subsidized health plans (with premiums as low as $0/month after subsidies), no-medical-exam life insurance issued online starting at roughly $20/month, and final expense / funeral plans covering $8,000-$50,000; and an international track offering whole-life-with-savings policies and worldwide private health coverage at top clinics including those in the United States. The technology stack is intentionally lean and non-proprietary — a Wix-hosted website, Calendly for consultation booking, WhatsApp/SMS for agent-client communications, Google Analytics, and an embedded Amedex quote widget — with no disclosed AI or machine learning capabilities and no in-house underwriting engine.
Commercially, Everest combines a traditional sales-led agent motion with a recently introduced direct-to-consumer online purchase path. Its founder-CEO also serves as President of Etika Alliance Group, the largest Spanish-speaking insurance agents alliance in the United States, which functions as a recruiting and distribution flywheel. The firm has no disclosed funding rounds, no parent company, no subsidiaries, and relies on carrier-side underwriting for policy issuance, making agent productivity and carrier relationships its primary economic levers.
Everest International Group firmographics
Firmographics- Name
- Everest International Group
- Legal name
- Everest International Group C.A
- Website
- https://everestgroupint.com
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Everest International Group is a Houston-based bilingual insurance brokerage distributing life, health, final expense, and international health policies through hundreds of licensed agents to Spanish-speaking individuals and families across the United States and Latin America.
- Ownership category
- akta.pro rank
Everest International Group industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Simplified Issue Whole Life / UL Insurance (FSAIABAH)
- akta.pro secondary industries
- Universal Life (UL) Insurance (FSAIABAB), ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA), International/Expatriate Individual Health Insurance (FSAIAEAH)
Keywords
Where Everest International Group is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Everest International Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commissions: The company earns commissions from selling insurance policies (life, health, final expense) on behalf of insurance carrier partners. Commissions are likely recurring as policies renew annually.
- Agent Recruitment and Training Services: Revenue generated from recruiting and developing insurance agents through career development programs, training, and team-building. The company offers agents career plans, training, events, incentives, and 24/7 support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Obamacare health insurance with government subsidies |
| Subscription | Monthly | Life insurance with immediate issuance |
| Subscription | Monthly | Final expense / funeral insurance |
Go-to-market motion2 records
Everest International Group product offering
Product offeringCore offering
Everest International Group is a bilingual (English/Spanish) insurance brokerage agency that distributes life insurance, health insurance (including Obamacare), international health insurance, and final expense/funeral insurance products on behalf of carrier partners such as American Amicable. The company sells coverage through a network of hundreds of licensed agents across the United States and Latin America, with 100% online quote-and-purchase capability for US life and health products, supported by a Houston, Texas headquarters.
Product overview
Everest International Group is an insurance agency offering a portfolio of protection and financial products across two main regions (United States and International/Latin America). The core product line includes life insurance, health insurance (including Obamacare), international health insurance, and final expense insurance. Products are offered through partnerships with globally-rated insurance carriers (rated by AM Best, Standard & Poor's, Fitch, and Moody's) and include options for protection-only coverage as well as products combining protection with savings/investment features. The company operates primarily as a sales and advisory organization with licensed agents providing personalized consultation services.
Differentiator
Problem solved
Functional benefit
Brands
- Etika Alliance Group: Organization dedicated to promoting excellence, innovation, and collaboration among insurance industry leaders. Everest International Group is a founding member.
Quantifiable outcome
- 100% online process with immediate policy issuance for life insurance
- +2 more outcomes
Companies that use Everest International Group
Customer profileNamed customers8 records
Ideal customer profiles1 record
Everest International Group technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Everest International Group partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Etika Alliance GroupcoreEverest International Group is a founding member of Etika Alliance Group, described as the largest Spanish-speaking insurance agents alliance in the United States. This alliance promotes excellence, innovation, and collaboration among industry leaders. Everest's CEO Luis Carvajal serves as President of Etika Alliance Group starting August 2024.
- American AmicablecoreAmerican Amicable provides final expense/funeral insurance products through Everest International Group. American Amicable has over 100 years of history serving families in the United States. Everest offers their funeral expense plans covering costs between $8,000 and $50,000.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Everest International Group competitors and assessment
Company assessmentDirect peers
- SelectQuote: SelectQuote is a direct-to-consumer insurance brokerage that sells term life, final expense, and health/Medicare plans online. It is directly comparable to Everest on channel model (online quote-to-bind), product mix (life + health + final expense), and target of value-conscious consumers seeking immediate-issue coverage.
- eHealth: eHealth is a major online health insurance brokerage and ACA marketplace operator. It is comparable to Everest as a digital-first broker of individual health and Medicare plans, with overlapping reliance on carrier commissions and a similar quote-and-bind customer flow.
- Primerica: Primerica is a multi-line financial services and insurance distributor using a large independent sales force to sell term life, mutual funds, and other products to middle-income households. It mirrors Everest's licensed-agent sales model, career-track agent recruitment, and life-insurance-led product strategy.
- GoHealth: GoHealth is a leading ACA and Medicare insurance brokerage with a large telesales agent network. It is comparable to Everest in product focus (ACA and supplemental health), distribution model (commission-paid licensed agents), and customer acquisition through digital and call channels.
- HealthMarkets: HealthMarkets is a national insurance brokerage matching individuals, families, and small businesses with health, Medicare, and supplemental plans from multiple carriers through a licensed agent network. It is comparable to Everest on multi-carrier brokerage model, agent-led distribution, and individual health/ACA focus.
- World Financial Group (WFG): WFG is a financial services and insurance agency that recruits and trains a large sales force to sell life insurance and investment products, often within multicultural and immigrant communities. It is comparable to Everest in its agent-led distribution, career-development focus, and emphasis on underserved demographic segments.
Broad incumbents
- Colonial Life: Colonial Life is a Unum-branded insurance carrier specializing in supplemental health, accident, and life products distributed through workplace agents. It is comparable to Everest as a multi-line distributor using agent-led sales for protection-oriented products to individuals and families.
- Transamerica: Transamerica is a large life insurance and financial services carrier distributing through independent agents and IMOs. It is comparable to Everest as both a carrier partner candidate and an agency-model competitor for simplified-issue life and final expense coverage.
- Globe Life: Globe Life is a large direct-to-consumer life and supplemental health insurer with a significant Hispanic-market presence through Globe Life Direct. It is comparable to Everest as a competitor for simplified-issue life and final expense policies sold to working-class and Hispanic households.
- New York Life: New York Life is a large mutual life insurer with a captive agent distribution force selling whole life, term life, and retirement products. It is comparable to Everest on the life insurance agency model and career-agent recruiting approach, though at vastly greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Everest International Group social profiles
Digital presenceEverest International Group compliance and trust
Trust signalCompliance5 records
Everest International Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Everest International Group leadership team
Management profileNumber of profiles
Everest International Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Everest International Group 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 Everest International Group
What does Everest International Group do?
Everest International Group is a bilingual (English/Spanish) insurance brokerage agency that distributes life insurance, health insurance (including Obamacare), international health insurance, and final expense/funeral insurance products on behalf of carrier partners such as American Amicable. The company sells coverage through a network of hundreds of licensed agents across the United States and Latin America, with 100% online quote-and-purchase capability for US life and health products, supported by a Houston, Texas headquarters.
Is Everest International Group a public or private company?
Everest International Group is a private company. It is currently operating.
When was Everest International Group founded?
Everest International Group was founded in 1994. It employs 1 to 10 people.
Where is Everest International Group based?
Everest International Group is headquartered in Houston, United States, in the North America region.
How does Everest International Group make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are agent Recruitment and Training Services.
Who are Everest International Group's main competitors?
Direct peers on record are SelectQuote, eHealth, Primerica, GoHealth, HealthMarkets and World Financial Group (WFG). Broad incumbents are Colonial Life, Transamerica, Globe Life and New York Life.
Does Everest International Group have an API?
No public API is recorded for Everest International Group.
What industry is Everest International Group in?
Everest International Group's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIABAH, Simplified Issue Whole Life / UL Insurance, with a secondary code of FSAIABAB, Universal Life (UL) Insurance. Its NAICS code is 524210 and its SIC code is 6411.