Established Insurance & Retirement Planning Agency with Recurring Revenue

This independent insurance and retirement planning agency serves pre-retirees and retirees across a regional metro in the Pacific Northwest. The firm has operated for several decades and focuses on retirement income planning, Social Security and Medicare guidance, tax-aware planning, and basic estate planning education. The business is built around non-proprietary products and client education. Operations are lean and focused. The owner works part-time, primarily on sales, marketing, and client meetings, and is supported by two administrative staff. Lead generation comes from monthly public educational workshops and periodic lunch-and-learn events, along with referrals, online inquiries, and paid media. The office is not remote or relocatable and operates from owned real estate that can be included or leased at buyer’s option. Revenue is commission-based with recurring components. Product mix is balanced: annuities (~40%), life insurance (~30%), long-term care (~15%), Medicare supplements (~10%), and hourly consulting (~5%). The book includes low eight figures of in-force annuities with annual trails, recurring life policy renewals, and steady Medicare supplement renewals. The agency reports roughly 5–6 new contracts per month and high client retention near 95%, with attrition primarily due to client mortality or relocation. Growth opportunities are practical and near-term: expand seminar frequency and digital marketing, extend operating hours, deepen cross-sell between annuity, life, LTC, and Medicare supplement segments, and consider partnerships to reintroduce investment advisory services (subject to licensing) to capture greater wallet share. The model is transferable and benefits from documented follow-up and review practices that support durable relationships. A buyer will need an active state Life & Health insurance license. Advanced designations are helpful but not required. The seller is prepared to provide part-time transition support for 12–18 months to transfer relationships and the education-based marketing playbook. 📍 Kennewick, WA 💰 Asking Price: $538,000 📊 Revenue: — 💵 SDE: N/A SBA Eligibility: SBA Eligible 🤝 Seller Financing: Yes 🏷️ Industry: N/A View the full listing on Baton: https://www.batonmarket.com/market/businesses-for-sale/kennewick--wa/44f1a7b7-8dbb-4980-b3b7-af92b588178c?utm_source=searchfunder&utm_medium=listing&utm_campaign=searchfunder_deal