tdecu insurance agency

What tdecu insurance agency does

TDECU Insurance Agency, LLC is a Texas-based independent insurance agency that operates as a wholly-owned subsidiary of Texas Dow Employees Credit Union (TDECU), a 70+ year-old state-chartered credit union. Founded in 2008, the agency was established to provide 360-degree insurance services to the credit union's membership, offering personal, business, and life and health insurance products. It serves individuals and families (auto, home, specialty vehicle, pet, flood, wedding insurance), small business owners (general liability, workers' compensation, business auto, event insurance), and TDECU members seeking life, health, Medicare, and supplemental accident coverage including a $2,000 no-cost AD&D benefit.

As an independent agency, TDECU Insurance Agency aggregates offerings from 20+ top-tier national insurance carriers — including Liberty Mutual, Nationwide, Progressive, Travelers, Chubb, United Healthcare, Prudential, TruStage, Safeco, and others — to provide comparison-shopped quotes across personal and commercial lines. Its product portfolio spans approximately 15 distinct insurance products organized into Personal Insurance, Business Insurance, and Life and Health Insurance categories. The agency's core technology is a standard independent agency platform that leverages carrier aggregation and quote comparison tools, with policy management handled through the Vertafore client portal and premium payments processed via ePayPolicy. Distribution occurs through TDECU's digital and physical channels (website, member communications, branch network) as well as direct agent consultations via phone and in-person appointments.

The revenue model is commission-based: TDECU Insurance Agency earns commissions from carrier partners on policies sold and renewed, with no publicly disclosed pricing for standard P&C products. Specialty products use subscription pricing models — Hospital Accident Plan at $1,800/day intensive care benefits, AD&D at approximately $1-$1.50 per month per $10,000 of additional coverage, Recuperative Care Plan with guaranteed acceptance, and pet insurance with 10% multi-pet discounts. The agency has no public revenue disclosure, operates as a private LLC under Texas law, and is wholly dependent on TDECU's Texas-domiciled member base as its primary customer acquisition channel.

Name

tdecu insurance agency

Legal name

TDECU Insurance Agency, LLC

Website

https://tdecuinsurance.org

Company type

Private

Founded year

2008

Operating status

Operating

Short description

TDECU Insurance Agency, LLC is an independent insurance agency and wholly-owned subsidiary of Texas Dow Employees Credit Union, offering personal, business, and life/health insurance through 20+ national carriers to credit union members primarily in Texas.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Personal insurance agency
• Business insurance coverage
• Life and health insurance
• Multi-carrier insurance broker
• Credit union insurance services

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Commission Revenue: TDECU Insurance Agency generates revenue through commissions paid by insurance carrier partners for policies sold. As an independent agency, they represent multiple top-tier insurance companies and earn commissions when customers purchase or renew policies through their agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

TDECU Insurance Agency, LLC is an independent insurance agency founded in 2008 as a subsidiary of Texas Dow Employees Credit Union (TDECU). The agency sells personal insurance (auto, home, flood, pet, specialty vehicle, wedding), business insurance (liability, workers' compensation, event), and life/health insurance (life, health, Medicare, AD&D, supplemental accident and recuperative care plans) by aggregating multiple top-tier national carriers and earning commissions on policies placed.

Product overview

TDECU Insurance Agency, LLC is an independent insurance agency created in 2008 offering personal, business, and life/health insurance products. As an independent agency, they work with multiple national insurance carriers to provide customizable coverage types. The agency offers personal insurance products including auto, homeowner's, flood, pet, specialty vehicle, and wedding insurance. Business insurance offerings encompass liability, workers' compensation, and event insurance. Life and health insurance includes life, health, Medicare, AD&D, Hospital Accident Plan, and Recuperative Care Plan. The agency provides policy management through online portals (Vertafore client portal) and payment processing via ePayPolicy.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 360-degree insurance services
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and flagship.

• Liberty MutualcoreTechnology or IntegrationInsurance carrier partner providing auto, home, and commercial insurance products through TDECU Insurance Agency's independent agency network.
• NationwidecoreTechnology or IntegrationInsurance carrier partner offering auto, home, and specialty insurance products through TDECU Insurance Agency.
• ProgressivecoreTechnology or IntegrationInsurance carrier partner providing auto and specialty vehicle insurance through the agency.
• TravelerscoreTechnology or IntegrationInsurance carrier partner offering business and personal insurance products through TDECU Insurance Agency.
• ChubbcoreTechnology or IntegrationInsurance carrier partner providing high-value personal and commercial insurance products, including Hospital Accident Plan (HAP) coverage.
• United HealthcarecoreTechnology or IntegrationHealth insurance carrier partner offering health insurance products through TDECU Insurance Agency.
• PrudentialcoreTechnology or IntegrationInsurance carrier partner providing life and retirement insurance products.
• TruStage (CMFG Life Insurance Company)coreTechnology or IntegrationProvides Accidental Death and Dismemberment (AD&D) insurance products, including $2,000 no-cost coverage for TDECU members and additional coverage options up to $500,000.
• Texas Dow Employees Credit Union (TDECU)flagshipStrategic or Co-development PartnerParent credit union providing member access, brand platform, and cross-selling integration for TDECU Insurance Agency. The insurance agency was created in 2008 as a subsidiary to offer 360-degree insurance services to credit union members.

Scale indicators3 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• TruStage (CUNA Mutual Group): CUNA Mutual Group's TruStage brand is the dominant credit-union-affiliated insurance provider; it is an actual insurance carrier partner of TDECU Insurance (AD&D product) and pursues an essentially identical embedded-insurance playbook through credit union distribution channels.
• Insuritas: Insuritas specializes in helping credit unions launch and operate embedded insurance agencies — directly comparable to the model TDECU Insurance Agency runs for its parent credit union.
• AAA Insurance: AAA distributes insurance to its membership through captive-style agencies with a multi-carrier product set; the affinity/membership-anchored distribution model and product breadth closely mirror TDECU Insurance's value proposition.
• COUNTRY Financial: COUNTRY Financial is a regional mutual insurer that distributes through captive agents across personal, commercial, life, and health lines — same multi-line agency distribution archetype as TDECU Insurance, with comparable mid-market geography concentration.
• Goosehead Insurance: Goosehead is an independent insurance agency/franchise model quoting across multiple carriers for personal and commercial lines — directly comparable to TDECU Insurance's independent comparison-shopping agent model.
• Hub International: Hub International is a large independent insurance brokerage placing personal, commercial, life, and specialty lines across multiple carriers — comparable independent-agency business model and revenue model (commission-based).
• SelectQuote: SelectQuote is a multi-carrier direct-to-consumer insurance agency/distributor (life, auto, home, health) — an independent agency on multiple carriers with comparison shopping, parallel to TDECU Insurance's core approach but with a heavier digital/lead-gen orientation.

Broad incumbents

• USAA: USAA is a member-owned financial services organization that distributes insurance (auto, home, life) almost exclusively to its membership — analogous in mission to TDECU Insurance's credit-union-anchored distribution, but materially larger and direct-writing rather than independent-agency.
• State Farm: State Farm is the largest US personal-lines agency carrier with a captive-agent distribution model — overlapping product breadth (auto, home, life, health) with TDECU Insurance, though structurally very different (carrier vs. independent agency).
• Allstate: Allstate is a national personal-lines carrier with captive and independent agency distribution and a broad product set (auto, home, life) — comparable in product breadth and agency-channel competition with TDECU Insurance across personal lines.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 tdecu insurance agency