H & L Group
H & L Group is a Texas-headquartered independent insurance agency that distributes health, life, annuity, retirement, and estate-planning products from multiple carriers through licensed agents, serving individuals, families, SMBs, self-employed professionals, and pre-retirees across the USA and Canada.
- Company typePrivate
- Founded-
- HeadquartersDallas Fortworth Metroplex, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What H & L Group does
H & L Group is a Texas-headquartered, privately held independent insurance agency and broker licensed to serve eligible clients across the United States and Canada. The firm distributes health, life, annuity, retirement-account, and estate-planning products from multiple carrier partners through licensed professionals, and earns revenue from carrier commissions on the policies it places. Its core product set comprises Life Insurance with Living Benefits, Health Insurance (individual, family, and group), Annuities (fixed, indexed, and income), 401(k) Rollovers & Transfers, and Wills & Trusts delivered in coordination with licensed legal professionals; car insurance is also surfaced in its quote-request flow.
The agency's go-to-market is sales-led, relying on direct consultations by licensed agents, with top-of-funnel demand generated through educational website content and a LinkedIn newsletter. The firm serves four customer segments: individuals and families (primary), small and medium businesses, self-employed professionals, and pre-retirees/retirees. Pricing is quote-based and varies by carrier, plan, and jurisdiction. The firm discloses no proprietary technology, no AI capabilities, no funding rounds, no parent company, and no management team in publicly available material; the sole scale metrics are "more than 1,000 insurance policies serviced" and a self-reported "98% positive feedback" indicator.
H & L Group firmographics
Firmographics- Name
- H & L Group
- Legal name
- H & L Group
- Website
- https://hnlgroup.com
- Company type
- Private
- Operating status
- Operating
- Short description
- H & L Group is a Texas-headquartered independent insurance agency that distributes health, life, annuity, retirement, and estate-planning products from multiple carriers through licensed agents, serving individuals, families, SMBs, self-employed professionals, and pre-retirees across the USA and Canada.
- Ownership category
- akta.pro rank
H & L Group industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro industry
- Group Term Life InsuranceBasic Group Term Life (Employer-Paid)Supplemental/Voluntary Group Term Life (Employee-Paid)Group AD&D Insurance (Employer-Sponsored)
Keywords
Where H & L Group is headquartered
LocationHeadquarters
- HQ city
- Dallas Fortworth Metroplex
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
H & L Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Sales Commissions: H & L Group operates as a licensed insurance agency/broker that earns commissions from partner insurance companies when policies are sold. As an independent agency, they present options from multiple carriers without obligation to clients.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
H & L Group product offering
Product offeringCore offering
H & L Group is a Texas-based independent insurance agency/broker that sells and advises on health insurance, life insurance with living benefits, annuities, 401(k) rollovers and transfers, and wills and trusts. It places policies on behalf of clients through multiple licensed partner carriers across the USA and Canada, with licensed professionals providing consultation, education, enrollment support, and ongoing servicing.
Product overview
H & L Group is an independent insurance agency offering a portfolio of financial protection and planning products. Their core offerings include Life Insurance with Living Benefits, Health Insurance, Annuities, 401(k) Rollovers & Transfers, and Wills & Trusts. As an independent agency, they work with multiple carrier partners to present options without obligation, enabling clients to compare coverage across different providers. The products are designed to serve individuals, families, small and medium businesses, self-employed professionals, and pre-retirees/retirees across the USA and Canada.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance with Living Benefits Life insurance products designed to provide financial protection for loved ones, including term and permanent life insurance options, offered to individuals and families through multiple partner carriers.
- Health Insurance Individual, family, and group health insurance options to support healthcare needs, including SMB group health plans and employee benefits bundling through partner insurers.
- Annuities Insurance products intended to address retirement income planning objectives, including fixed, indexed, and income annuities for pre-retirees and retirees.
- 401(k) Rollovers & Transfers Guidance on retirement account transfer options to help clients evaluate next steps when changing jobs or entering retirement, including evaluation of rollover choices and provider selection.
- Wills & Trusts Estate planning support offered through collaboration with licensed legal professionals, including wills and trusts for asset distribution and beneficiary protection.
Companies that use H & L Group
Customer profileSegments4 records
Ideal customer profiles4 records
H & L Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
H & L Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Licensed Partner Insurance CompaniescoreH & L Group works with multiple licensed partner insurance companies to provide coverage options. They share personal information with partner insurers to provide coverage options and comply with legal requirements. Coverage is provided by licensed partner insurers subject to terms, conditions, and underwriting approval.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
H & L Group competitors and assessment
Company assessmentDirect peers
- eHealth: eHealth is an online health insurance brokerage that sells individual, family, and Medicare plans from multiple carriers via a digital marketplace. Like H & L Group, it is a multi-carrier health insurance intermediary, but its distribution is primarily online rather than agent-led.
- Goosehead Insurance: Goosehead is an independent personal-lines insurance agency that places policies with multiple carriers through a franchise and corporate-agent model. Its carrier-agnostic positioning, cross-sell of life alongside P&C, and educational client approach directly mirror H & L Group's model, though Goosehead operates at much larger scale.
- World Financial Partners / World Financial Group: World Financial Group is a multi-carrier insurance and financial services agency focused on life insurance, retirement, and financial products sold through independent agents. Like H & L Group, it serves individuals and families with bundled life, annuity, and retirement offerings, though it operates through a larger agent network.
- EverQuote: EverQuote operates an online insurance marketplace that connects consumers with agents and carriers across personal lines. It is comparable to H & L Group as an insurance lead-generation and distribution intermediary, but at much larger scale and with a technology-driven rather than agent-led model.
- SelectQuote: SelectQuote is a DTC insurance brokerage that sells term life, senior health, auto, and home policies from multiple carriers through online and phone funnels. Like H & L Group, it is a multi-carrier intermediary, but it operates at vastly larger scale with a proprietary tech and paid-media engine.
Emerging players
- National Western Financial / National Western Life: National Western is a life insurance and annuity carrier that distributes primarily through independent marketing organizations and brokerage general agencies. It is comparable to H & L Group in the life and annuity distribution channel, though it underwrites the policies rather than purely placing them.
Broad incumbents
- Brown & Brown Insurance: Brown & Brown is a large national insurance brokerage distributing commercial and personal lines across multiple carriers. It is a broader incumbent in the same multi-carrier agency space as H & L Group, but serves primarily commercial and larger personal-lines accounts rather than the SMB and individual focus of H & L Group.
- New York Life: New York Life is a large mutual life insurance carrier that distributes primarily through captive agents. It competes with H & L Group for life insurance and annuity customers, but as an underwriter with its own proprietary products rather than a carrier-agnostic independent agency.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
H & L Group social profiles
Digital presenceH & L Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
H & L Group leadership team
Management profileNumber of profiles
H & L Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
H & L 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 H & L Group
What does H & L Group do?
H & L Group is a Texas-based independent insurance agency/broker that sells and advises on health insurance, life insurance with living benefits, annuities, 401(k) rollovers and transfers, and wills and trusts. It places policies on behalf of clients through multiple licensed partner carriers across the USA and Canada, with licensed professionals providing consultation, education, enrollment support, and ongoing servicing.
Is H & L Group a public or private company?
H & L Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was H & L Group founded?
H & L Group was founded in -1.
Where is H & L Group based?
H & L Group is headquartered in Dallas Fortworth Metroplex, United States, in the North America region.
How does H & L Group make money?
One revenue line is on record: insurance Sales Commissions.
Who are H & L Group's main competitors?
Direct peers on record are eHealth, Goosehead Insurance, World Financial Partners / World Financial Group, EverQuote and SelectQuote. National Western Financial / National Western Life is listed as an emerging player. Broad incumbents are Brown & Brown Insurance and New York Life.
Does H & L Group have an API?
No public API is recorded for H & L Group.
What industry is H & L Group in?
H & L Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAAAJ, Group Term Life Insurance, with a secondary code of FSAIADAA, Basic Group Term Life (Employer-Paid). Its NAICS code is 5242 and its SIC code is 6411.