SmartFinancial

SmartFinancial

Digital insurance marketplace with data-driven insights

Overview

SmartFinancial operates as a digital insurance marketplace that connects consumers with insurance providers through its proprietary platform, Insurance.io. It collects data-driven insights to match users with relevant quotes and coverage options, enabling easy comparison and selection of insurance plans. The product works by leveraging Insurance.io to analyze consumer information and provider offerings, surfacing tailored quotes from multiple insurers in a single experience. This differentiates SmartFinancial from competitors by using its data-driven platform to deliver broader access to coverage and faster, more transparent comparisons across a wide network of insurers. The company’s goal is to simplify purchasing insurance, improve transparency in pricing, and help consumers find suitable coverage quickly.

About SmartFinancial

Simplify's Rating
Why SmartFinancial is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Costa Mesa, California

Founded

2012

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Simplify Jobs

Simplify's Take

What believers are saying

  • SmartFinancial is hiring Ruby engineers in 2026, signaling product investment and growth.
  • Ryan Lockwood joined as CFO on November 25, 2025, tightening financial discipline.
  • RubyConf 2026 sponsorship keeps SmartFinancial visible to high-quality engineering talent.

What critics are saying

  • SmartFinancial faces crowded competition from EverQuote, QuoteWizard, The Zebra, and Insurify.
  • BBB logged 55 complaints in three years, signaling service friction and trust leakage.
  • A Google or Meta traffic shift can crush SmartFinancial's lead supply overnight.

What makes SmartFinancial unique

  • SmartFinancial matches shoppers to 6,500 insurance partners across all 50 states.
  • Its Ruby on Rails platform powers agent-facing and carrier-facing workflows at scale.
  • Proprietary lead-routing and filtering tools target speed-to-quote for insurance agents.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Company Match

Stock Options

Paid Time Off

Paid Holidays

Flexible Work Hours

Hybrid Work Options

Employee Referral Bonus

Professional Development Budget

Company News

PR Newswire
Aug 18th, 2026
SmartFinancial named No. 2,384 on the 2026 Inc. 5000 List, the most prestigious ranking of America's fastest-growing private companies.

SmartFinancial named No. 2,384 on the 2026 Inc. 5000 List, the most prestigious ranking of America's fastest-growing private companies. SmartFinancial Aug 18, 2026, 18:05 ET SmartFinancial earned a spot on the 2026 Inc. 5000 after achieving 140% revenue growth over three years, marking a major milestone in the company's 15-year journey. The recognition highlights SmartFinancial's continued growth, efficiency, and innovation as a leading digital insurance marketplace. Company Recognized for 140% Three-Year Revenue Growth, Earning a Place Among the Nation's Most Successful Independent Businesses NEWPORT BEACH, Calif., Aug. 18, 2026 /PRNewswire-PRWeb/ - SmartFinancial today announced it has been ranked No. 2,384 on the 2026 Inc. 5000 list, the annual list of the fastest-growing private companies in America. The list is the most prestigious ranking of the nation's most successful independent and entrepreneurial businesses, recognizing companies that have achieved remarkable growth while driving innovation, creating jobs, and shaping the future of the economy. Past honorees include companies such as Microsoft, Meta, Chobani, Oracle, and Patagonia. "Being named to the Inc. 5000 is an incredible milestone for SmartFinancial, especially 15 years into our journey," said Lev Barinskiy, CEO and co-founder of SmartFinancial. "What makes this recognition most meaningful is that we continue to evolve, innovate, and accelerate as a company. It's a testament to the incredible team we've built and the trust of our clients and partners. I'm extremely proud of what we've accomplished together and even more excited about what's ahead." This year's Inc. 5000 recognizes a new class of companies redefining what growth looks like. From AI and advanced manufacturing to healthcare, consumer products, and professional services, these businesses are expanding their impact, creating jobs and proving that entrepreneurial ambition continues to fuel the U.S. economy. Among the 5,000 companies on the list, the median three-year revenue growth rate was 130%, and those companies have collectively added more than 627,208 jobs to the U.S. economy over the past three years. For the full Inc. 5000 list, honoree company profiles, and a searchable database by industry and location, please visit: www.inc.com/inc5000. "Every company on the Inc. 5000 has a story of perseverance, smart decision making, and a refusal to sit still," says Mike Hofman, editor-in-chief of Inc. "Their growth reflects more than strong financial performance-it reflects creativity, resilience, and the customer focus required to build companies that make a lasting impact. We congratulate all honorees on this significant achievement." Inc. will celebrate the honorees at the 2026 Inc. 5000 Conference & Gala, taking place October 14-16 in Dallas, Texas and the top 500 will be listed in the Fall issue of Inc. Magazine. Tickets are on sale now. Inc. 5000 List Methodology Companies on the 2026 Inc. 5000 are ranked according to percentage revenue growth from 2022 to 2025. To qualify, companies must have been founded and generating revenue by March 31, 2022. They must be U.S.-based, privately held, for-profit, and independent - not subsidiaries or divisions of other companies - as of December 31, 2025. (Since then, some on the list may have gone public or been acquired.) The minimum revenue required for 2022 is $100,000; the minimum for 2025 is $2 million. As always, Inc. reserves the right to decline applicants for subjective reasons. About SmartFinancial SmartFinancial is a leading digital insurance marketplace that connects in-market insurance consumers looking for auto, home, health and commercial insurance with a vast network of insurance agents and carrier partners nationwide. Insurance.io is SmartFinancial's technology stack that powers digital customer acquisition for insurance carriers and agents. With a mission to help consumers find the best coverage at the best value, SmartFinancial has simplified the insurance-buying experience with a transparent insurance-technology platform that pairs people with the right insurance carrier. Founded by a team of insurance and technology experts, SmartFinancial focuses on delivering measurable results and exceptional service. It is one of the fastest-growing insurance customer acquisition companies in the U.S. About Inc. Inc. is the leading media brand and playbook for the entrepreneurs and business leaders shaping its future. Through its journalism, Inc. aims to inform, educate, and elevate the profile of its community: the risk-takers, the innovators, and the ultra-driven go-getters who are creating the future of business. Inc. is published by Mansueto Ventures LLC, along with fellow leading business publication Fast Company. For more information, visit www.inc.com. Media Contact SOURCE SmartFinancial

TEDPress
Jul 28th, 2026
ZVOX strengthens U.S. Leadership team with appointment of insurance sales veteran Al Garcia.

ZVOX strengthens U.S. Leadership team with appointment of insurance sales veteran Al Garcia. New York, USAZVOX, the AI-powered SaaS platform for the insurance industry, today announced the appointment of Al Garcia as Vice President of Sales. Garcia joins the executive leadership team to drive commercial growth and strengthen strategic partnerships across the U.S. and accelerate adoption of its AI-powered customer acquisition platform. Widely regarded for building high-performing inside sales organizations... New York, USA ZVOX, the AI-powered SaaS platform for the insurance industry, today announced the appointment of Al Garcia as Vice President of Sales. Garcia joins the executive leadership team to drive commercial growth and strengthen strategic partnerships across the U.S. and accelerate adoption of its AI-powered customer acquisition platform. Widely regarded for building high-performing inside sales organizations within the insurance lead ecosystem, Garcia brings more than 20 years of experience building high-performing sales organizations and cultivating strategic agency partnerships. Throughout his career, he has partnered with insurance agencies of all sizes and is widely recognized for helping organizations build scalable and high-performance sales cultures. Before joining ZVOX, Garcia held leadership positions at Hubexo, SmartFinancial, Precise Leads and InsuranceAgents.com, where he successfully led sales expansion initiatives and built teams focused on delivering measurable business outcomes. In addition to his executive leadership experience, Garcia has earned recognition as a thought leader in sales excellence. His book, The Sales Floor, distills decades of real-world experience into practical strategies for building high-performance sales cultures, inspiring teams and driving sustainable growth. In his new role, Garcia will focus on building a scalable, high-performing sales team that supports ZVOX's long-term growth ambitions. Amitt Sharma, Founder, ZVOX, said, "Al has built an exceptional career helping sales organizations grow and creating lasting value for insurance agencies. His deep understanding of the insurance ecosystem, combined with his passion for building high-performing teams, makes him the ideal leader to spearhead our next phase of growth. As demand for AI-driven customer engagement continues to rise, Al's leadership will help us deepen relationships across the industry and deliver even greater value to our customers." Al Garcia, Vice President - Sales, ZVOX, said, "ZVOX is building exactly the kind of AI platform the insurance industry needs, one that helps agencies engage consumers more intelligently while improving operational efficiency. Joining ZVOX is an exciting opportunity because the company has a clear vision, a strong team and an unwavering commitment to transforming the insurance industry through artificial intelligence. I'm looking forward to building a high-performing sales organization at ZVOX that is known not only for delivering results but also for its culture, consistency and dedication to helping insurance agents succeed." Built as a SaaS platform for carriers, distributors and agencies, ZVOX is on a mission to redefine how the insurance industry acquires, engages and converts customers through AI. By unifying acquisition intelligence, engagement orchestration and performance optimization in a single platform, the company is helping insurers deliver smarter, more connected customer experiences. Strategic leadership hires, including the appointment of Al Garcia, are a key part of ZVOX's broader investment in talent, innovation and market expansion as it continues to scale across the United States. About ZVOX. ZVOX is an AI-powered SaaS platform transforming how the insurance industry acquires, engages and converts consumers. Built for carriers, distributors and agencies, the platform combines real-time acquisition intelligence with AI-driven engagement orchestration to help insurers identify the right consumers and determine the most effective outreach pathway across voice, SMS and email. By bringing decision intelligence into the acquisition funnel, ZVOX enables insurance enterprises to improve conversion efficiency, reduce acquisition waste and scale performance-driven growth in an increasingly competitive digital marketplace. Media Contact: For media inquiries about this release, submit an inquiry. https://send.heraldengine.com/contact/81856/e721de80caee3ce1a52fa7eedb9fe5af57bd2f5578257af48e46c2b1afcf4ab2 July 28, 2026 - Views: 0 July 28, 2026 - Views: 1 July 28, 2026 - Views: 0 Recent comments. No comments to show.

Ruby Central
Jun 24th, 2026
SmartFinancial Is Coming to RubyConf 2026 and They're Hiring!

SmartFinancial Is Coming to RubyConf 2026 and They're Hiring! If you're heading to RubyConf this July, make sure to stop by and meet the team from SmartFinancial. SmartFinancial is a technology-driven insurance marketplace that helps people find and compare insurance options across all 50 states. Their goal is simple: make buying insurance easier, more transparent, and less frustrating for consumers. Ruby plays a major role in making that happen. The SmartFinancial engineering team has been building and operating Ruby on Rails applications for years, and they're excited to be part of the RubyConf community in Las Vegas this July 14-16 at Red Rock Casino Resort. Like many of Ruby Central, Inc., they're coming to learn, share ideas, meet fellow Rubyists, and stay connected to the ecosystem that powers so much of their work. They're also growing their team. If you're an experienced Ruby engineer looking for your next opportunity, SmartFinancial would love to meet you. They value Ruby, invest in Rails, and are building products that have a real impact on the people who use them every day. Whether you're actively looking for a new role or just curious about what they're working on, stop by their booth, say hello, and start a conversation. You might discover your next opportunity along the way. June 24, 2026

PR Newswire
Nov 25th, 2025
SmartFinancial appoints Ryan Lockwood as Chief Financial Officer

SmartFinancial appoints Ryan Lockwood as Chief Financial Officer. News provided by. SmartFinancial SmartFinancial has appointed Ryan Lockwood as its new Chief Financial Officer, bringing deep experience in finance, operations, and scaling high-growth companies. His arrival signals SmartFinancial's next phase of expansion as the company continues to innovate its digital insurance marketplace and strengthen transparency and efficiency for consumers, agents, and carrier partners. NEWPORT BEACH, Calif., Nov. 25, 2025 /PRNewswire-PRWeb/ - SmartFinancial, a leading digital insurance marketplace, recently announced that Ryan Lockwood has joined the company as Chief Financial Officer. His appointment follows a series of key executive promotions at SmartFinancial to drive innovation, efficiency, and expansion. "I'm excited to join SmartFinancial as the company redefines how consumers shop for insurance," said Lockwood. "The team has built a powerful technology platform and a culture focused on transparency, efficiency, and delivering real value to customers. I look forward to contributing to the next stage of growth and helping advance SmartFinancial's mission to create a better, more intuitive insurance marketplace." Lockwood joins the company with extensive experience in corporate finance, investment management, and operational leadership. Prior to SmartFinancial, he served as Chief Financial Officer of CarParts.com, where he helped guide the company through major operational expansion, significant improvements to its capital structure, and multiple strategic initiatives that supported long-term development. This followed nearly a decade as a Portfolio Manager and Head of Fixed Income at Private Management Group, a California-based registered investment advisor, overseeing fixed income strategy, credit research, and portfolio construction. "With deep experience in financial leadership, operations, and scaling high-growth businesses, Ryan will be working closely with SmartFinancial's leadership team to advance the company's future trajectory," said Lev Barinskiy, CEO of SmartFinancial. "We're confident his perspective will help us accelerate our mission to deliver a more efficient, transparent insurance-shopping experience for consumers, our agents and carrier partners." About SmartFinancial SmartFinancial is a leading digital insurance marketplace that uses proprietary customer-acquisition technology to connect in-market consumers shopping for auto, home, health and business insurance with a national network of agents and carrier partners. With a mission to help consumers find the best coverage at the best value, SmartFinancial's transparent platform simplifies the insurance-shopping process and delivers measurable results for partners. Founded by insurance and technology experts, the company is among the fastest-growing insurance customer-acquisition firms in the U.S. Media Contact: Ashley Falbo SmartFinancial [email protected] Ashley Falbo, SmartFinancial, 1 4842673144, [email protected], https://smartfinancial.com/ SOURCE SmartFinancial

PRLog
Jun 17th, 2025
Remove These 16 Things To Lower Home Insurance Bills

NEWPORT BEACH, Calif. - June 17, 2025 - PRLog -- For all 16 things visit the link at the end.Swimming PoolA swimming pool can increase home value, especially if it's a nice in-ground pool with temperature controls. However, swimming pools in the eyes of insurance underwriters are what's called an "attractive nuisance": They attract trespassers, namely children who may get into the pool while you're away from home or are sleeping. Not only is there a high risk of drowning if that happens, but the homeowner is also the one held liable for injuries or death, even if the pool was used without permission. You can fence it up very securely for a price break or get rid of the swimming pool altogether for an even steeper reduction. It'll cost you anywhere from $1,500 to $10,000 to get a pool fence, depending on how large the pool is and the type of fencing you buy

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