SelectQuote Local Insurance

The Selectquote Local Insurance franchise presents a compelling narrative of entrepreneurial vision and strategic evolution within the dynamic landscape of professional services. Its origins trace back to a foundational venture in 1998, when visionary founders Cary Daniel and James Windmiller established "Human Resource" in the bustling city of Kansas City, Missouri. This initial foray into the staffing industry quickly distinguished itself as a highly effective local staffing agency, primarily dedicating its comprehensive services to the vibrant metropolitan areas of Kansas City and Denver. The company’s remarkable trajectory during this period earned it significant local and even national recognition for its consistent growth and innovative approach to workforce solutions, a testament to Daniel and Windmiller’s early understanding of market needs. Following a successful and strategic divestiture of "Human Resource" in 2003, the founders, armed with a decade of invaluable experience and profound insights gleaned from their prior success, embarked on their next ambitious endeavor. This wealth of practical knowledge and a proven track record directly informed the establishment of Selectquote Local Insurance franchise in 2004, conceived from its very inception as a robust and scalable franchise system. The company's operational nerve center, its headquarters, is strategically situated in Overland Park, Kansas, a location frequently highlighted in recent official communications and historical accounts, underscoring its central role in the company's identity. While a singular reference has also noted Louisville, Kentucky, as a home office, the Overland Park, Kansas, designation remains the predominant and consistently cited location for the Selectquote Local Insurance franchise. At the helm of this flourishing enterprise is Cary Daniel, serving with distinction as both Co-Founder and CEO, steering the strategic direction and overall vision of the Selectquote Local Insurance franchise. Complementing his leadership is James Windmiller, also a Co-Founder, who holds the critical role of Director of Operations, ensuring the smooth and efficient execution of the company's extensive service offerings. Significantly, the Selectquote Local Insurance franchise functions as the dedicated franchise division of Malone Workforce Solutions, a strategic affiliation that enables it to extend its reach and deliver its comprehensive suite of services to businesses across the entire nation, leveraging a powerful network of shared systems and operational synergies. This foundational history underscores a deep-seated expertise and a clear, forward-thinking strategy that continues to drive the Selectquote Local Insurance franchise's prominence in its field.

The industry landscape in which the Selectquote Local Insurance franchise operates is characterized by a blend of consistent demand and dynamic evolution, a testament to the essential role it plays in connecting talent with opportunity. Since its establishment as a franchise system in 2004, the Selectquote Local Insurance franchise has demonstrated an unwavering commitment to growth and expansion, strategically positioning itself as a vital partner for businesses navigating the complexities of workforce management. The company’s initial foray into franchising saw the opening of its very first franchise location in Denver, Colorado, in the same year it was founded, marking a pivotal moment in its journey toward national recognition. This initial success was quickly followed by a period of sustained expansion between 2004 and 2009, during which the Selectquote Local Insurance franchise systematically opened numerous new franchise locations across the breadth of the United States. This strategic geographical spread significantly augmented its capacity to deliver comprehensive staffing services on an increasingly national scale, solidifying its market presence and expanding its service footprint. A significant strategic pivot occurred in 2018, when the Selectquote Local Insurance franchise embarked on a reinvigorated franchise expansion initiative, characterized by a deliberate diversification of its core service offerings. This strategic move saw the company broaden its expertise to encompass specialized verticals including healthcare staffing, technology staffing, and commercial staffing, thereby catering to a wider array of industry-specific needs and market segments. This diversification strategy not only enhanced the company's resilience but also positioned the Selectquote Local Insurance franchise to capture new growth opportunities in high-demand sectors. The continuous growth trajectory is evident in its current operational footprint. As of October 2025, the Selectquote Local Insurance franchise proudly operates a total of 35 locations strategically distributed across the United States. Earlier data from the period between 2018 and the present further corroborates this expansion, indicating that the network comprised over 30 franchised offices situated in more than 20 states. An even earlier snapshot from 2004, the year of its franchising launch, reported 18 thriving franchise locations, illustrating a consistent upward trend in its operational scale. Notably, the Selectquote Local Insurance franchise maintains an exclusive focus on the domestic market, operating solely within the United States, thereby concentrating its resources and expertise to serve American businesses effectively. A recent milestone in its expansion efforts was the inauguration of its first location in Jackson, Tennessee, on April 1, 2019, further cementing its commitment to national coverage and local market penetration.

Investing in a Selectquote Local Insurance franchise represents a significant financial commitment, structured to accommodate various entrepreneurial aspirations and operational models. The initial franchise fee for individuals or entities looking to open a single unit is set at $49,000, a standardized entry point for new franchisees into the robust system of the Selectquote Local Insurance franchise. Recognizing the potential for ambitious growth and multi-unit ownership, the company thoughtfully provides attractive multi-pack franchise fee discounts for qualified investors who express an interest in developing and managing multiple offices, thereby fostering scalable expansion. Furthermore, in a gesture of profound appreciation and commitment to supporting those who have served the nation, the Selectquote Local Insurance franchise extends a substantial 20% franchise fee discount to eligible U.S. military veterans through its participation in the esteemed VetFran program, actively encouraging veteran entrepreneurship. The total initial investment range required to establish a Selectquote Local Insurance franchise is comprehensive and varies considerably based on the chosen operational model, reflecting the flexibility offered to potential franchisees. For those opting for the traditional brick-and-mortar model, which typically involves a physical office space and a broader operational scope, the total initial investment generally falls within a range of $124,000 to $191,525. It is important to note that various industry sources and previous disclosures have presented slightly different, yet broadly consistent, investment ranges, including figures such as $126,850 to $191,525, $98,800 to $148,800, $121,800 to $156,938, and an average cited range of $127,000 to $162,000, all providing a clear picture of the capital required for this comprehensive model. In contrast, for entrepreneurs interested in the more streamlined virtual model, which strategically focuses on specialized segments such as Healthcare and Technology staffing, the initial investment is significantly lower, commencing from $61,000, reflecting reduced overheads associated with a non-physical office presence. Additionally, the Selectquote Local Insurance franchise offers an innovative pathway through low-cost conversions, designed for existing businesses or individuals looking to integrate into the franchise system with minimal initial outlay, with investments for these conversions ranging from a highly accessible $1,000 to $40,000. To ensure the financial viability and readiness of its franchisees, the Selectquote Local Insurance franchise mandates specific financial requirements for eligibility. Candidates for the traditional brick-and-mortar model are typically required to demonstrate a minimum net worth of $250,000, with an essential component of at least $175,000 in liquid capital. Other credible sources have also indicated slightly varied but comparable requirements, citing minimum net worth figures of $175,000 or $150,000, and a liquid capital requirement of $100,000. For those pursuing the virtual model, the liquid capital requirement is considerably more accessible, set at a lower threshold of $25,000, broadening the pool of potential investors. Beyond the initial investment, franchisees are subject to ongoing fees that contribute to the collective strength and sustained support provided by the Selectquote Local Insurance franchise system. The royalty rate, a crucial component of ongoing financial commitment, ranges from 7.5% to 9% of Gross Wages, Buyout Payments, and Direct Hire Payments, meticulously calculated based on the previous year's Gross Wages. Alternative disclosures have also mentioned royalty fees in the range of 6-8% of gross revenue, and another indicating 5%-8%, reflecting a dynamic structure. Furthermore, franchisees are required to contribute to a dedicated Marketing Fund, which is calculated as the greater of $100 per week or 1% of Gross Wages, ensuring a continuous and robust collective marketing effort to benefit all Selectquote Local Insurance franchise locations.

The operating model of the Selectquote Local Insurance franchise is meticulously crafted to ensure both operational efficiency and comprehensive support for its franchisees, fostering a nurturing environment for business growth. At the core of this support system is an exceptionally thorough training program, designed to equip every new franchisee with the requisite knowledge, skills, and strategic insights needed to excel. This extensive training regimen encompasses a significant 100 hours of intensive on-the-job training, providing invaluable practical experience and real-world application of the Selectquote Local Insurance franchise’s proven methodologies. Complementing this hands-on learning, franchisees also engage in 35 hours of structured classroom training, delving into theoretical frameworks, operational best practices, and the foundational principles that underpin the success of the Selectquote Local Insurance franchise. Beyond the initial training, the company provides a detailed, step-by-step education process, meticulously designed to ensure a perfect alignment and good fit for both the prospective franchisee and the overarching Selectquote Local Insurance Franchise Group, thereby minimizing risks and maximizing potential for long-term success. The comprehensive support structure is specifically engineered to empower franchisees, enabling them to navigate the complexities of their business with confidence and streamline their daily operations. This robust support includes unparalleled access to corporate expertise, where franchisees can tap into a wealth of institutional knowledge and strategic guidance from seasoned professionals within the Selectquote Local Insurance franchise corporate team. Furthermore, extensive marketing and business development resources are readily available, providing franchisees with the tools and strategies necessary to effectively penetrate their local markets and cultivate strong client relationships. A cornerstone of the Selectquote Local Insurance franchise's support model is its full back-office support, a critical service that significantly alleviates administrative burdens for franchisees. This includes sophisticated payroll financing and management services, a particularly valuable offering that eliminates the need for franchisees to become experts in these complex financial areas, allowing them to focus predominantly on core business development and client engagement. Franchisees derive immense benefit from access to proven marketing strategies that have been refined over years of successful operation, alongside a rich repository of customizable marketing materials tailored to various promotional needs. They also gain the advantage of participating in national advertising campaigns, which amplify brand visibility and generate widespread recognition for the Selectquote Local Insurance franchise. To ensure seamless and uninterrupted operations, cutting-edge technology and comprehensive IT support are also integral components of the support package, safeguarding against technical disruptions and ensuring that franchisees can leverage the latest digital tools to their advantage. Testimonials from current franchisees consistently underscore the excellence and efficacy of this multifaceted support system, highlighting its pivotal role in their individual successes within the Selectquote Local Insurance franchise network.

The financial performance representations (FPRs) provided by the Selectquote Local Insurance franchise in Item 19 of its Franchise Disclosure Document (FDD) offer a transparent and compelling insight into the potential profitability of this investment. This crucial document, available to qualifying applicants who advance through the comprehensive Franchise Education Process, serves as a cornerstone for informed decision-making. While franchisors are not legally obligated to furnish FPRs, the Selectquote Local Insurance franchise proactively chooses to do so, adhering to stringent disclosure standards by ensuring all presented information is thoroughly substantiated within Item 19, thereby instilling confidence and clarity for prospective franchisees. According to the detailed information meticulously provided by the Selectquote Local Insurance franchise, the average Gross Sales reported across its network stand at an impressive $2,935,469. This figure represents the aggregate revenue generated before the deduction of operational costs, offering a strong indicator of the volume of business activity within the franchise system. Correspondingly, the average Gross Profit is reported at a substantial $756,819, illustrating the healthy margins maintained by the Selectquote Local Insurance franchise units after accounting for direct costs associated with service delivery. Further deepening the understanding of financial viability, the 2024 Franchise Disclosure Document Item 19 provides more recent and specific figures. For this period, the average gross revenue for the Selectquote Local Insurance franchise was $2,583,887, with the average gross profit recorded at $562,698. These figures, while subject to market fluctuations and individual operational efficiencies, consistently demonstrate a robust earning potential within the Selectquote Local Insurance franchise model. A particularly insightful data point pertains to the performance of the Traditional Model’s top quartile in 2024, showcasing the exceptional achievements of the highest-performing units within the Selectquote Local Insurance franchise network. For these elite performers, the average revenue soared to $4,644,980, reflecting outstanding market penetration and operational excellence. The average gross profit for this top quartile reached an impressive $957,536, with a strong average gross margin of 21.61%. This margin percentage underscores the efficiency and profitability achievable within the Selectquote Local Insurance franchise system, especially for those franchisees who leverage the comprehensive support and operational frameworks to their fullest potential. Furthermore, a crucial metric for any new business venture is the breakeven point, and the Selectquote Local Insurance franchise provides highly encouraging statistics in this regard. Franchise Owners within the system report a median breakeven point of just 8 months, indicating a swift return on investment and rapid progression towards profitability. The average break-even period across the network is also remarkably efficient, standing at 8.43 months. These figures collectively paint a picture of a financially sound and strategically managed franchise opportunity with the Selectquote Local Insurance franchise, offering a clear path to sustained financial success. (All financial figures marked with an asterisk are as disclosed in Item 19 of Selectquote Local Insurance franchise's current Franchise Disclosure Document and should be referenced there for full details, as individual results may vary).*

The growth trajectory of the Selectquote Local Insurance franchise since its inception is a clear indicator of its robust business model and strategic foresight. The company commenced its franchising journey in 2004, marking a pivotal moment that led to its first franchise location opening in the vibrant city of Denver, Colorado, in the same year. This initial step quickly catalyzed a broader expansion, with the Selectquote Local Insurance franchise systematically opening new locations across the United States over the subsequent five years, from 2004 to 2009. This early period of consistent growth laid the foundational groundwork for its national footprint, enhancing its capacity to deliver comprehensive staffing services on a national scale. A significant strategic inflection point occurred in 2018 when the Selectquote Local Insurance franchise relaunched its franchise expansion efforts with renewed vigor and a diversified service portfolio. This strategic enhancement broadened its offerings to include specialized verticals in healthcare, technology, and commercial staffing, allowing the Selectquote Local Insurance franchise to tap into high-demand sectors and cater to a wider array of client needs. As of October 2025, the Selectquote Local Insurance franchise proudly operates a total of 35 distinct locations spread across the United States, showcasing a steady and significant expansion over two decades. Earlier data from the period spanning 2018 to the present further confirms this sustained growth, indicating a network of over 30 franchised offices strategically positioned in more than 20 states. Even in its nascent stages, data from 2004 pointed to 18 thriving franchise locations, underscoring a strong initial momentum that has only accelerated. Importantly, the Selectquote Local Insurance franchise maintains an exclusive operational focus within the United States, channeling all its resources and expertise to serve the American market. A testament to its ongoing expansion efforts is the opening of its first location in Jackson, Tennessee, on April 1, 2019, signifying a continuous commitment to deepening its market penetration. The competitive advantages of the Selectquote Local Insurance franchise are multifaceted, stemming primarily from its comprehensive support structure, which includes full back-office assistance, payroll financing, and management, significantly reducing operational burdens for franchisees. This robust support system, combined with proven marketing strategies, customizable materials, and access to national advertising campaigns, provides a distinct edge in attracting and retaining clients. Furthermore, the diversification into specialized staffing verticals allows the Selectquote Local Insurance franchise to cater to niche markets with high demand, differentiating it from more generalized competitors. The deep experience of its founders, Cary Daniel and James Windmiller, dating back to 1998, provides a wealth of industry knowledge and a proven track record of successful ventures, offering franchisees invaluable leadership and strategic guidance.

The ideal franchisee for a Selectquote Local Insurance franchise is an individual or team characterized by a strong entrepreneurial spirit, a drive for business development, and a keen understanding of the value of a proven system. While specific previous experience in staffing or insurance is beneficial, it is not strictly mandatory, given the comprehensive training and robust support system provided by the Selectquote Local Insurance franchise. Candidates who thrive within the Selectquote Local Insurance franchise network typically possess excellent communication and leadership skills, a commitment to client service, and the ability to build and nurture professional relationships. They are often individuals who appreciate the benefits of full back-office support, including critical services like payroll financing and management, which allow them to concentrate their efforts on sales and business growth rather than administrative complexities. The financial requirements, such as a minimum net worth of $250,000 with at least $175,000 in liquid capital for the traditional brick-and-mortar model, or a more accessible $25,000 in liquid capital for the virtual model, indicate that the Selectquote Local Insurance franchise seeks financially stable and prepared investors. The availability of diverse investment models, including traditional brick-and-mortar, virtual, and low-cost conversions, allows the Selectquote Local Insurance franchise to attract a broad spectrum of entrepreneurs, from those seeking a comprehensive physical presence to those prioritizing flexibility and lower initial overhead, particularly in the specialized Healthcare and Technology staffing sectors. From a territory perspective, the Selectquote Local Insurance franchise operates exclusively within the United States, offering franchisees opportunities to establish a strong local presence within its national network. The company’s strategic expansion, as evidenced by its 35 locations across the country as of October 2025, ensures that new franchisees can find viable territories with significant market potential, benefiting from the brand’s nationally recognized standing. The extensive training program, comprising 100 hours of on-the-job and 35 hours of classroom instruction, further ensures that even those without direct industry experience can confidently step into a Selectquote Local Insurance franchise operation and succeed.

The Selectquote Local Insurance franchise presents a compelling and thoroughly de-risked investor opportunity, underpinned by a rich history of successful entrepreneurship and a robust, nationally recognized franchise system. With its founding roots tracing back to 2004, leveraging the decade-long prior success of founders Cary Daniel and James Windmiller’s "Human Resource" venture, the Selectquote Local Insurance franchise has meticulously crafted an operational model designed for sustained profitability and growth. The transparent financial performance representations in its Item 19 FDD, showcasing average Gross Sales of $2,935,469 and average Gross Profit of $756,819, underscore the significant revenue potential inherent in the Selectquote Local Insurance franchise. Even more compelling are the top quartile figures for 2024, reporting average revenue of $4,644,980 and an average gross margin of 21.61%, demonstrating the high earning capabilities for high-performing units. The rapid median breakeven point of just 8 months further highlights the efficiency and quick return on investment that a Selectquote Local Insurance franchise can offer. With a diverse investment range starting from $61,000 for the virtual model and $124,000 for the traditional brick-and-mortar option, coupled with comprehensive back-office support, including critical payroll financing, franchisees are empowered to focus on scaling their business. The consistent growth to 35 locations across the United States by October 2025, and its strategic diversification into healthcare, technology, and commercial staffing verticals since 2018, positions the Selectquote Local Insurance franchise as a resilient and forward-thinking investment. For entrepreneurs seeking a proven model with extensive support and strong financial outlook, the Selectquote Local Insurance franchise represents a premier choice. Explore the complete Selectquote Local Insurance franchise profile on PeerSense to access the full suite of independent franchise intelligence data.