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NAICS Code· 524113

Direct Life Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) annuities and life insurance policies, disability income insurance policies, and accidental death and dismemberment insurance policies. Cross-References.Show more

NAICS 524113 – Direct Life Insurance Carriers encompasses firms that underwrite and administer individual and group life insurance policies directly to consumers, without using agents or brokers. In the government contracting context, this sector primarily supports federal employee benefits programs, including the Federal Employees’ Group Life Insurance (FEGLI) program, as well as life insurance offerings for military personnel, retirees, and certain contractor personnel under federal benefit packages.

6
Active Contracts
$12.5M
Total Obligations (12mo)
86
Awarded Contracts (12mo)
22
Contractors Awarded (12mo)
+59.4%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 524113.

AI Industry Description

NAICS 524113 – Direct Life Insurance Carriers encompasses firms that underwrite and administer individual and group life insurance policies directly to consumers, without using agents or brokers. In the government contracting context, this sector primarily supports federal employee benefits programs...

NAICS 524113 – Direct Life Insurance Carriers encompasses firms that underwrite and administer individual and group life insurance policies directly to consumers, without using agents or brokers. In the government contracting context, this sector primarily supports federal employee benefits programs, including the Federal Employees’ Group Life Insurance (FEGLI) program, as well as life insurance offerings for military personnel, retirees, and certain contractor personnel under federal benefit packages. These carriers provide actuarial modeling, risk assessment, policy administration, claims processing, and compliance with federal regulations such as those set by the Office of Personnel Management (OPM). While not a traditional services or technology procurement category, this NAICS plays a critical role in workforce retention and personnel welfare programs across the federal workforce. No contractor data is available for this NAICS code, indicating that government contracting activity in this sector is either highly concentrated among a few non-public entities or primarily managed through direct federal administration rather than competitive awards. The competitive landscape is dominated by large, regulated financial institutions with established federal benefits expertise, though small businesses may participate as subcontractors in ancillary services such as data analytics or customer service support. No agency data is available, but the primary buyer is typically the Office of Personnel Management, which oversees FEGLI and other federal employee benefit programs. Other potential participants include the Department of Defense and the Department of Veterans Affairs, which may procure life insurance products for active-duty personnel, veterans, and their families under specific benefit statutes. The market context reflects low transaction volume in traditional procurement channels, as most life insurance services are delivered through long-term, non-competitive contracts or statutory mandates. Opportunities for contractors are limited to specialized support roles in claims automation, regulatory compliance, or digital customer experience platforms, rather than direct policy underwriting.

Top Contractors

Companies with the highest total award value under NAICS 524113, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
METROPOLITAN LIFE INSURANCE CO$5.8M2
PRIVATE JOINT STOCK COMPANY "INSURANCE COMPANY "UNIQA"$2.3M12
SISA VIDA SA SEGURO DE PERSONAS$1.4M12
MISCELLANEOUS FOREIGN AWARDEES$669K17
ORACLE INSURANCE BROKERS LIMITED$492K1
SAHAM ASSURANCE VIE CI$492K2
HIBRET INSURANCE SHARE COMPANY$237K2
GENERALI LIFE ASSURANCE (THAILAND) PUBLIC COMPANY LIMITED$201K2
ATHORA BELGIUM$182K10
AMERICAN LIFE INSURANCE COMPANY$123K1

Top Agencies

Federal agencies directing the most contract spending toward NAICS 524113.

Department Of State83 awards$6.6M
Department Of The Treasury2 awards$5.8M
Department Of Defense1 award$18K

Related NAICS Codes

Industries similar to Direct Life Insurance Carriers, by shared sector, subsector, and industry group.

Direct Health and Medical Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524114Same Industry GroupHigh Similarity

Direct Property and Casualty Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524126Same Industry GroupHigh Similarity

Direct title Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524127Same Industry GroupHigh Similarity

Other Direct Insurance (except Life, Health, and Medical) Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (e.g., assum...
524128Same Industry GroupHigh Similarity

Reinsurance Carriers

This industry comprises establishments primarily engaged in assuming all or part of the risk associa...
524130Same Industry GroupHigh Similarity

Insurance Agencies and Brokerages

This industry comprises establishments primarily engaged in acting as agents (i.e., brokers) in sell...
524210Same SubsectorMedium Similarity

Claims Adjusting

This U.S. industry comprises establishments primarily engaged in investigating, appraising, and sett...
524291Same SubsectorMedium Similarity

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds

This U.S. industry comprises establishments primarily engaged in providing pharmacy benefit manageme...
524292Same SubsectorMedium Similarity

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NAICS 524113 FAQ

Frequently Asked Questions

NAICS code 524113 covers Direct Life Insurance Carriers. This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) annuities and life insurance policies, disability income insurance policies, and accidental death and dismemberment insurance policies. Cross-References.

Recently Posted in Direct Life Insurance Carriers

NAICS: 524113
New
Federal
Life Insurance Services for Locally Employed StaffThe U.S. Embassy in Manama, Kingdom of Bahrain, is soliciting offers for life insurance services to cover its locally hired staff, as outlined in Section C of the solicitation. This contract is structured as a firm-fixed price with economic price adjustment provisions, ensuring cost stability while allowing for regulated adjustments based on predefined economic indicators. The base term of the contract is twelve months, with the government retaining the option to extend the agreement for up to four additional one-year periods, totaling a potential five-year performance timeline. The solicitation is open to all qualified sources without any set-aside restrictions, promoting broad competition. Proposals must be submitted by 4:00 p.m. local time on August 13, 2026, and the solicitation, identified as 19BA3026R0002, was posted on July 14, 2026. The North American Industry Classification System code for this procurement is 524113, reflecting its focus on insurance carrier activities. The contract is managed by the Department of State through the U.S. Embassy in Manama, with administrative oversight handled from the Washington, D.C. office. Primary point of contact is Sean Daniels at danielss@state.gov, and secondary contact is Geji Joseph at josephg@state.gov. Performance will occur in Zinj, Bahrain, where the locally employed staff are based.
US Embassy Manama

POSTED

about 12 hours ago

DEADLINE

in 30 days
View Details
NAICS: 524113
New
SLED
Insurance Services for ContractorThe contractor is required to provide commercial general liability insurance under the ISO form, workers’ compensation coverage, and a certificate of insurance as mandatory prerequisites before the contract commencement. These insurance provisions are non-negotiable and must be in place and verified prior to any work initiation. The contract is a subcontract under the Tennessee Department of Environment and Conservation, specifically tied to work performed in Jellico, Tennessee, with a zip code of 37762. The solicitation was posted on July 13, 2026, and responses must be submitted by August 11, 2026, by 7:00 PM. The North American Industry Classification System code 524113 indicates the work relates to insurance agencies and brokerages, suggesting the contract involves risk management or insurance coordination services. The contract does not specify a set-aside classification and is managed through the Tennessee Central Procurement Office.
Tennessee Department of Environment and Conservation

POSTED

2 days ago

DEADLINE

in 28 days
View Details
NAICS: 524113
SLED
Insurance Services for Contract ComplianceHabersham County Board of Commissioners requires insurance coverage services to ensure compliance with contractual obligations, specifically seeking providers to supply General Liability, Auto, Workers’ Compensation, and Umbrella insurance policies with defined limits. The solicitation is classified as a subcontract under NAICS code 524113, and responses must be submitted by July 31, 2026, at 2:00 PM. The opportunity is posted on the Georgia state procurement portal with no set-aside designation, meaning all eligible vendors may respond. The place of performance and agency contact details are not specified, but the insurance must be maintained to meet the county’s risk management and legal requirements throughout the term of the associated contract.
Habersham County Board of Commissioners

POSTED

7 days ago

DEADLINE

in 17 days
View Details
NAICS: 524113
SLED
Insurance Services for Contract ComplianceContractors supplying materials under this agreement must secure and maintain comprehensive insurance coverage, including general liability and workers’ compensation, to ensure compliance with city requirements. This subcontract mandates that all bidders demonstrate adequate insurance safeguards to protect against potential claims, injuries, or damages arising from their work, with specific limits and policy terms to be verified before award. The solicitation, posted by the City of Lawton in Oklahoma, is open for responses until July 15, 2026, and falls under NAICS code 524113, indicating a focus on insurance carriers and related services. While the place of performance and point of contact details are not specified, full adherence to insurance provisions is a non-negotiable condition for participation and contract execution.
City of Lawton

POSTED

13 days ago

DEADLINE

in about 19 hours
View Details
NAICS: 524113
SLED
Commercial Insurance ServicesThe contract seeks comprehensive insurance services to support operations under a subcontract arrangement, requiring coverage for general liability, auto liability, and pollution liability to ensure protection against a broad range of potential risks. The insurance must be structured to include the prime contractor as a co-insured party, ensuring shared responsibility and alignment on risk mitigation across contractual obligations. This requirement is critical to maintaining compliance and safeguarding all parties involved in the scope of work conducted in Bucks County, Pennsylvania. The opportunity is classified under NAICS code 524113, which corresponds to direct insurance carriers, indicating the need for specialized insurance providers with expertise in commercial risk management. The solicitation was posted on June 29, 2026, with a response deadline of July 21, 2026, giving interested parties approximately three weeks to submit proposals. The place of performance is confined to Bucks County, and while no specific point of contact or set-aside designation is provided, bidders must ensure their offerings fully meet the insurance stipulations outlined for co-insured status and coverage scope.
Bucks County

POSTED

15 days ago

DEADLINE

in 7 days
View Details
NAICS: 524113
Closed
SLED
General Liability Insurance ProviderThis contract involves providing general liability insurance coverage specifically for subcontractors and suppliers engaged in projects related to the Tennessee Department of Transportation (TDOT). The focus is to ensure that these parties have adequate insurance protection while working under TDOT contracts. The solicitation does not specify a deadline beyond the posting and response date, both set to June 26, 2026. The contract is categorized under the NAICS code 524113, which pertains to insurance providers, reflecting its purpose in the insurance sector. The work performance location is identified as Franklin, and the contract is issued by the Tennessee Department of Transportation. While no specific organization type or set-aside requirements are indicated, the document references a detailed solicitation available through a dedicated online portal, where interested vendors can access additional proposal information.
Tennessee Department of Transportation

POSTED

18 days ago

CLOSED

18 days ago
View Details
NAICS: 524113
Closed
Federal
Group Life Insurance ServicesThe U.S. Mission Mexico is seeking a contractor to provide group life insurance services for its Local Employed Staff across Embassy Mexico City, U.S. Consulates, and other U.S. offices in Mexico. The coverage must include natural death, accidental death, and total permanent disability benefits, with minimum payout thresholds set at 32 times, 46 times, and 40 times the employee’s monthly basic salary respectively, all payable within 60 days of claim submission. For total permanent disability, payment is contingent upon receipt of the initial ST-4 form from the Instituto Mexicano del Seguro Social. The contract is structured as a firm fixed price agreement with a one-year base period and four optional one-year renewal periods, for a maximum total duration of five years. The government may also exercise a six-month extension under FAR 52.217-8 if needed for operational continuity. Proposals must be submitted electronically by July 13, 2026, to MexicoCityGSOSolicitations@groups.state.gov and must be in English. All offerors must be actively registered in the System for Award Management (SAM) with a valid Unique Entity Identifier and NCAGE/CAGE number, and failure to comply will result in non-responsiveness. Proposals must be organized into four volumes: General Documentation, Price Proposal, Technical Proposal, and Financial Statements, with detailed pricing submitted under both salary-based and age-based methodologies, including retention amounts for each. The contractor must also deliver an approved brochure within 60 days of award and conduct at least one annual employee information session in Spanish, with English support available as needed. The contract includes stringent performance and compliance requirements, including a limit of no more than three customer complaints per month and mandatory service level agreements that must be formally reviewed quarterly, semi-annually, and annually. The contractor must designate a dedicated account manager available within 24 business hours for all inquiries and employ QA personnel fluent in English who respond to complaints within seven business days, with repeat complaints triggering escalation. Invoicing must be submitted exclusively through the ILMS Vendor Portal using original PDFs, with payment processed via EFT within 30 days. The contractor must comply with Mexican data protection laws, adhere to U.S. government security protocols for facility access, and ensure employees meet standards of conduct reflecting credit on the U.S. Government. Award will be based on best value through a comparative evaluation under FAR 15, assessing technical capability, past performance, and price—not
US Embassy Mexico

POSTED

19 days ago

CLOSED

1 day ago
View Details
NAICS: 524113
SLED
Transit Life InsuranceThe City of St. Joseph, Missouri is inviting qualified vendors to submit proposals for providing Life and Accidental Death and Dismemberment insurance coverage to employees of the Mass Transit Division. Proposals must be submitted exclusively through the City’s electronic bidding system by the deadline of July 22, 2026, at 9:00 PM; no paper, email, or faxed submissions will be accepted. The solicitation number is RFP2026-34, posted on June 19, 2026, with Summer Deatherage listed as the primary point of contact. Bidders requiring accommodations under the Americans with Disabilities Act must notify the Purchasing Agent at least five working days prior to the deadline. The City is committed to equal opportunity and non-discrimination in the award process, ensuring no exclusion based on race, color, religion, creed, sex, age, ancestry, or national origin. A Disadvantaged Business Enterprise goal of 0.1% is established, and certified DBEs are strongly encouraged to participate. The City reserves the right to reject any or all bids in whole or in part.
City Of St. Joseph

POSTED

25 days ago

DEADLINE

in 8 days
View Details
NAICS: 524113
Closed
SLED
General Liability & Workers’ Compensation InsuranceThe contract requires the procurement of comprehensive insurance coverage to protect against general liability, workers’ compensation claims, and property damage, ensuring that all operations meet the necessary safety and legal standards. This subcontract is issued by the Los Angeles Unified School District under NAICS code 524113 and is open for responses until July 14, 2026, with all work expected to be performed in Los Angeles. The insurance protections must be in place to cover potential risks associated with the scope of services rendered under the agreement, and bidders are expected to demonstrate compliance with all applicable insurance requirements prior to award. No set-aside designation is specified, meaning the opportunity is open to eligible contractors without restriction based on size or category.
LAUSD

POSTED

28 days ago

CLOSED

about 3 hours ago
View Details
NAICS: 524113
Closed
Federal
Local Employee Staff Life Insurance (2026-2031) Baku, AzerbaijanThe U.S. Embassy in Baku is seeking proposals for a five-year life insurance contract covering local employees and their dependents, with performance to be delivered in Baku, Azerbaijan, from 2026 through 2031. This solicitation, numbered 19AJ2026R0002, is designated as a Total Small Business Set-Aside under FAR 19.5 and falls under NAICS code 524113, indicating a focus on insurance carriers and related activities. All proposals must be submitted electronically to BAKUBIDBOX@STATE.GOV by June 15, 2026, at 18:00 local time, in English, and must be in either MS-Word 2007/2010 or Adobe PDF format, with individual files not exceeding 30MB. Incomplete submissions will be rejected. Offerors are required to submit the SF-33, Section B pricing schedule including retention amounts in B.3 and B.7, Section K representations and certifications, additional materials specified in Section L, and proof of active SAM registration at https://www.sam.gov. Failure to register in SAM prior to submission renders the proposal non-responsible and ineligible for award. To be considered technically acceptable, offerors must provide a notarized copy of their current license, certificate, or accreditation authorizing them to provide life insurance in Azerbaijan, issued by the Government of Azerbaijan or its designated regulatory body; alternatively, they must demonstrate licensure by another government and prove the capacity to deliver life insurance benefits in Azerbaijan meeting all solicitation requirements. This authorization must remain valid through the end of the base performance period and be renewable during any option periods. Proposal rejection is automatic if the offeror cannot validate its legal authority to operate as an insurer in Azerbaijan. Additionally, the offeror must disclose any disciplinary or probationary actions imposed by Azerbaijani authorities. The award will be made to the responsible offeror submitting the lowest price for fixed-rate coverage across the full five-year term, with evaluations based on both price and technical acceptability, which includes relevant experience and past performance. A pre-proposal conference was held on May 21, 2026, at the U.S. Embassy Annex in Baku, with virtual attendance permitted as an option for interested offerors.
US Embassy Baku

POSTED

about 1 month ago

CLOSED

19 days ago
View Details
NAICS: 524113
Closed
SLED
Life Insurance, Short-term Disability, and Long-term DisabilityThe City of Denton is soliciting proposals for the provision of Life Insurance, Short-Term Disability, and Long-Term Disability benefits to approximately 1,673 full-time and 41 part-time employees who work at least 20 hours per week. Proposals must be submitted via IONWAVE or hard copy only, with no emails accepted, and must be received by July 1, 2026, at 2:00 PM CT. All questions must be submitted through IONWAVE by June 22, 2026, at 4:00 PM CT. Proposals must comply with detailed formatting requirements including a maximum of 200 pages, use of tabs for exhibits, and submission of one original signed by an authorized officer. The response must include a comprehensive executive summary, company qualifications, proposed benefit plan designs that mirror current structures, and explicit confirmation of no loss or gain of benefits during transition, including waivers for pre-existing conditions, actively-at-work requirements, and continuation of coverage for current participants. Pricing must be net of commissions and include five-year rate guarantees for Long-Term Disability, with full disclosure of underwriting methodology and total cost of ownership encompassing installation, life cycle expenses, and warranties. The evaluation will weigh Price and Total Cost of Ownership at 50%, Compliance with Specifications and Quality at 40%, and Indicators of Probable Performance—including past performance, financial stability, and support capabilities—at 10%, with the City retaining the right to enter a Best and Final Negotiation phase to determine best value. The selected contractor must adhere to strict performance and administrative requirements, including monthly reporting of time and services, delivery of goods or services meeting 95% of specified timelines, and full compliance with federal, state, and local laws including the Buy American Act, OSHA standards, and prevailing wage obligations. Contractors must be registered with the Texas Secretary of State or provide an exemption certificate and must submit a signed Conflict of Interest Questionnaire as required by Chapter 176 of the Local Government Code. Proposals must include a complete implementation timeline through January 1, 2027, covering data integration, communication strategies, and transition logistics. Insurance requirements are detailed in Exhibit E, and all deliverables must be packaged according to commercial standards with weather-resistant labeling showing brand name, quantity, lot number, and all required identification including the City’s purchase order and address. Invoices must be submitted to Accounts Payable via email
City Of Denton

POSTED

about 1 month ago

CLOSED

13 days ago
View Details
NAICS: 524113
Closed
Federal
General Liability and Property Damage Insurance ProviderThe contract requires the provision of General Liability and Property Damage Liability Insurance coverage specifically for the duration of a timber harvesting operation at Eglin Air Force Base. This subcontract is solicited by the Department of Defense under the FA2823 Aftc Pzio office and falls under the NAICS code 524113, indicating it pertains to insurance providers. The response deadline for this opportunity is July 2, 2026, and the contract was posted on June 10, 2026. The place of performance is identified by the zip code 32542, which corresponds to the Eglin AFB area. The insurance coverage is essential to mitigate risks associated with timber harvesting activities on the military installation, ensuring that any general liability or property damage incurred during the contract term is adequately covered. This subcontract does not specify any type of set-aside or particular organization type, and key contact details are not provided in the data. Interested providers must be prepared to supply the required insurance protections to support the safe and compliant execution of the timber harvesting operation.
FA2823 Aftc Pzio

POSTED

about 1 month ago

CLOSED

12 days ago
View Details

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