With decades of trusted service, this health insurance agency has carved out a strong niche in the Medicare and employer-sponsored benefits space. Its client portfolio has grown organically, driven almost entirely by referrals and personal recommendations, rather than advertising or outbound sales.

Roughly three-quarters of the firm’s income is tied to Medicare-related policies, while the balance stems from managing group benefits for smaller companies and mid-sized enterprises. The company’s operations are designed for efficiency, offering clients tailored guidance to help lower premiums and enhance plan value.

What sets this business apart is its emphasis on responsiveness, transparency, and education. Clients aren’t pushed into policies—they’re guided through options with care and expertise. As a result, client relationships are exceptionally long-lasting: individuals on Medicare typically stay with the firm for over 10 years, and most corporate accounts remain for close to a decade or until ownership of the business changes.

Day-to-day functions are supported by a knowledgeable team member who handles both Medicare and group plan tasks, freeing the owners to concentrate on bringing in new business and deepening client engagement. The firm operates from a professional office space secured by a lease with seven years remaining and includes a clause that permits early termination.

Despite spending virtually nothing on promotion, the company continues to grow year-over-year at a consistent rate of 7–8%. Considerable upside exists for a buyer interested in launching a formal marketing campaign.

The current owners are open to either a complete buyout or a collaborative partnership with someone who shares their relationship-first philosophy. They’re also prepared to remain involved post-sale for as long as needed to support client continuity and ensure a successful transition.