About Us

A new way to help you build your client relationships

For us the insurance business is all about the people. People who get satisfaction from a job well done. People who want to provide their customers with the best products and service. And the people you protect with quality insurance products for all aspects of their lives.

As a one-stop brokerage for our agents we never forget what our job is all about... We're in the people business.

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Our History

From a hotel basement in 1986 to a multi-line powerhouse, URL Insurance Group is a story of passion, perseverance, and family.

It all began with a dream. Two fathers and coaches, Gary Clemens and Dick Basciano, started a life insurance brokerage with United Republic Life that led to the purchase of the name URL Inc. They got their start in the basement of a hotel with just one employee. Over time they meticulously expanded their offerings, venturing into annuities, individual and group health, and Medicare. Each step brought onboard specialists, crafting teams dedicated to exceeding expectations in their domains.

Today, URL is more than just insurance. It's a collaborative force, operating as one company while empowering specialized teams to excel in their fields. This unique structure fosters cross-selling capabilities, creating immense value for our agent partners. As an independent, family-owned business, we thrive in the relationship-driven insurance industry. Led by the second generation, Ken and Steve Clemens, alongside a dedicated leadership team and nearly 50 employees, URL continues to push boundaries and empower success.

Pictures of URL

Our Values


For every product or service we provide, there is always a person who wants to feel safer and better protected by what we do, that why we say we’re in the people business. Providing insurance solutions is what we do, helping clients feel better protected with our products and services is why we do it.

Lives Helped

Success is not measured by policies or premium, but by the number of lives we help. We strive to earn the trust of over 50,000 clients annually and provide exceptional service in meeting their insurance goals.


URL was built on strong family values. Building long lasting relationships is at the core of who we are, from the agent partners and clients we serve to the staff inside our office.


Our goal is to build lasting relationships with independent agents and agencies who have aspirations of growth in multi-markets, that we could partner with from early education through retirement. URL takes a personalized approach to your unique needs and providing peace-of-mind.


Across the board, we exceed industry expectations thanks to our diverse group of high-performance people.


We are a premier field marketing organization, leveraging technology to stay ahead of industry changes, with divisions to meet all your needs.


Our greatest asset is our people. It is our goal to create an atmosphere to empower professional growth and nurture opportunities for employee development.

Carrier Partners

We partner with over 100 top carriers, offering a variety of products. Use the lists below and the links to department product pages to learn more.

Annuity Solutions

Immediate Annuities (SPIA), Indexed Annuities, Multi-Year Guaranteed Annuities (MYGA), and Single Premium Life (SPL).

  • Allianz
  • American Equity
  • American National
  • Americo
  • Athene
  • Baltimore Life
  • Equitrust
  • Fidelity & Guaranty
  • Greek Catholic Union
  • GBU Financial Life
  • Global Atlantic
  • Great American
  • Integrity Life
  • Legacy Marketing Group
  • Liberty Bankers
  • Lincoln Financial
  • Nassau Re
  • National Western
  • Nationwide
  • North American
  • OneAmerica
  • Oxford Life
  • Reliance Standard
  • United Life

Health Plan Options

Group Health, Group Ancillary, Individual Health, Individual Ancillary, Short Term Disability

  • Aetna
  • Aflac
  • Allstate
  • Allstate Benefits
  • Ameritas
  • AUL - OneAmerica
  • Beam Health
  • Capital Blue Cross
  • Colonial Life
  • Combined Insurance / a CHUBB Company
  • Delta Dental
  • Geisinger Health Plan
  • GlicRx
  • Highmark Health Insurance Company Central PA
  • Highmark Health Insurance Company Eastern PA
  • Highmark Health Insurance Company Southeastern PA
  • Highmark Health Insurance Company Western PA
  • Kansas City Life
  • Mutual of Omaha
  • NVA Vision
  • Physicians Mutual
  • Principal Financial
  • REDS Vision Care Direct
  • Reliance Standard
  • Solenture
  • Sun Life Financial
  • Trustmark
  • United Concordia
  • UnitedHealth One
  • UNUM
  • UPMC Health Plan
  • Vision Benefits of America
  • Vitori Health
  • VSP Vision Care

Life Markets

Final Expense, Indexed Universal Life, Single Premium Life with Living Benefits, Term & Permanent Life, Long Term Care, Individual Cancer/Critical Illness, and Individual Disability.

  • AIG
  • American Continental
  • American National
  • Americo
  • Ameritas
  • Assurant
  • Assurity
  • Baltimore Life
  • Banner
  • Cincinnati Life
  • Equitable
  • EquiTrust
  • Fidelity & Guaranty Life
  • Foresters
  • Gerber Life
  • Illinois Mutual
  • John Hancock
  • Liberty Bankers
  • Lincoln Financial Group
  • Lloyd's of London
  • Mass Mutual
  • Mutual of Omaha
  • National Guardian Life
  • National Western
  • Nationwide
  • North American
  • Occidental Life
  • OneAmerica
  • Pacific Life
  • Principal
  • Prosperity Life Insurance Group
  • Protective
  • Prudential Financial
  • Royal Neighbors of America
  • SBLI
  • Transamerica
  • United Life

Medicare Offerings

Medicare Advantage Plans, Medicare Supplement Insurance Plans, Part D Prescription Drug Plans, and Senior Ancillary Products.

  • Ace
  • Aetna / American Continental
  • Aflac
  • Allstate
  • Allwell by Wellcare Complete
  • AmeriHealth Caritas/ Keystone VIP
  • Anthem
  • Anthem BlueCross/ Elevance
  • Ascension Complete
  • BlueCross BlueShield of SC
  • Capital BlueCross
  • CareFirst
  • Cigna
  • Clover Health
  • Devoted Health
  • Excellus
  • Fidelis Care
  • Florida Blue
  • Geisinger Gold
  • Guarantee Trust Life
  • Health Net
  • Highmark / Highmark Wholecare
  • Horizon-BCBS
  • Humana
  • Independence Blue Cross / AmeriHealth
  • Jefferson Health Plans
  • Johns Hopkins
  • Kaiser Permanente
  • Liberty Bankers / Capitol Life
  • Manhattan Life
  • Medico
  • Mutual of Omaha
  • New Era / Philadelphia American
  • National Care Dental
  • Prosperity Life Group
  • SilverScript
  • United American / Globe Life of NY
  • UnitedHealthcare - AARP
  • UPMC for Life
  • WellCare

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