Established
1995
Franchise Units
20
Minimum Investment
$78,400
Franchise Fee
$25,000
Total Investment Range
$78,400
Home Based
No
Description
Step into the world of Affordable Health Insurance Agency (AHIA)—a rapidly expanding, customer-first insurance franchise driven by trust, affordability, and community connection. Since its founding in 1995, AHIA has grown from a local San Antonio agency to a nation-spanning brand offering essential coverage across multiple insurance lines. With a proven, scalable franchise model, robust training and marketing support, and a portfolio that includes health, life, Medicare Advantage, dental & vision, final expense, annuities, and travel insurance, AHIA empowers entrepreneurs to build resilient, profitable businesses that truly make an impact.
Why Invest in This Franchise?
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Recession-Proof Industry & Consistent Demand: Insurance remains a fundamental need no matter the economic climate. AHIA’s diverse product suite—from health to supplemental insurance—ensures multiple revenue streams and enduring relevance.
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Unique Selling Propositions (USPs): A client-first philosophy, community-oriented approach, and localized agent network differentiate AHIA in a crowded market.
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Coverage Across the USA: Though rooted in Texas, AHIA has begun franchising nationwide with ambitions to grow rapidly.
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Growth & Profitability Potential: AHIA leverages decades of industry success and refined systems, offering franchisees a blueprint for high ROI, scalable operations, and wide-reaching brand recognition.
Background
Established Year & Founders: AHIA was founded in 1995 by Joe Chetwood (CEO & Founder) and Rosie Chetwood (President & Founder).
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Brand Journey & Milestones:
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1999: First office opened in Northwest San Antonio.
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2013: Shifting into a corporate office and opening a second site.
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2015: Achieved 300% growth, surpassing 100,000 clients.
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2018: Expanded across Texas with around 20 locations.
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2019–2020: Launched first retail office inside H-E-B stores; stepping stones toward franchising.
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2022: Engaged a firm for franchise expansion.
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2023: Moved into a new corporate headquarters on Paesanos Parkway.
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Market Presence & Industry Category: Operating as a multi-line insurance agency, AHIA serves families across product categories including health, life, Medicare Advantage, dental & vision, annuities, final expense, and travel insurance.
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Leadership & Team: A seasoned management team anchors AHIA, including founders Joe and Rosie Chetwood, as well as other key roles like Marketing Director Erica Chetwood, Sales Director Ron Rodriguez, and a robust retail and operations staff
Support Training
AHIA’s franchise system delivers support in four pillars:
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Comprehensive Training – Covers insurance products, regulatory frameworks, customer service excellence, and compliance protocols.
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Marketing Support – Implements brand-building, digital campaigns, advertising materials, and lead-generation strategies to fuel growth.
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Operational Guidance – Includes administrative systems support, regulatory advice, operational tech, and best-practice procedures.
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Site Selection & Build-Out – Marketing and corporate teams guide franchisees through market analysis, ideal location identification, lease negotiation, and office setup.
Furthermore, franchisees benefit from ongoing mentoring, performance feedback, refresher training, and a collaborative franchise network
Ideal Candidate
Background: Applicants should ideally possess previous experience in insurance or financial services, along with strong communication, management, and community-oriented skills.
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Entrepreneurial and Ethical: Driven by integrity, a client-first mindset, and disciplined work approach, franchisees align well with AHIA’s ethos.Franchise
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Investment Capability: Must have the necessary capital to meet initial costs, sustain operations, and invest in marketing.
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Location Preferences: Best-suited for expanding into underserved communities—especially towns and suburban markets lacking client-centric insurance offerings.
Financial Detail
| Financial Element | Amount (USD) | Notes |
|---|---|---|
| Franchise Fee | $25,000 | Paid upfront to secure franchise rights |
| Minimum Initial Investment | $78,400 | Includes franchise fee, office setup, licensing, and initial operating capital |
| Total Estimated Investment Range | $78,400 – $120,000* | *Upper range varies by location size, market, and build-out needs |
| Royalty Fee | 12.5% of gross revenues | Ongoing monthly royalty based on gross sales |
| Marketing/Advertising Fee | TBD (typically 1–3% in industry) | Confirmed in Franchise Disclosure Document (FDD) |
| Infrastructure Cost | $10,000 – $25,000 | Office lease, furniture, signage, tech systems |
| Initial Marketing Budget | $5,000 – $10,000 | Local advertising, launch campaigns, promotional materials |
| Working Capital | $15,000 – $25,000 | To cover salaries, utilities, and expenses until break-even |
| Expected ROI | 12–24 months | Based on average franchise performance in insurance sector |
| Break-even Time | 6–18 months | Varies by market and sales performance |
| Potential Revenue Streams | Commissions from health, life, Medicare Advantage, dental & vision, annuities, final expense, travel insurance | Multiple income sources ensure stability and scalability |
