Keystone Insurers Group Franchise Review & Verdict (2025)

Product details

Contents

Key facts


The Verdict

Quick Verdict · who it fits

Keystone Insurers Group LLC fits owner-operators looking for a mid-scale financial services concept.

✓ Strengths

⚠ Risks to review

Key FDD Facts

The numbers a buyer needs first — straight from the filing.

Initial investment (Item 7)

$27K - $99K

Franchise fee (Item 5)

$5K

System size (Item 20)

280 +8

Years in business

2+ yrs

Company-owned units

22

Item 3 litigation

None disclosed

Buyer qualifications

•No exclusive territory•Owner-operator required✓No bankruptcy disclosed✓No Item 3 litigation

Data extracted from the 2025 FDD filed with state regulators. Fees and terms may have changed since filing — request the current FDD from the franchisor before deciding. Not legal, financial, or investment advice. Full disclaimer.

Executive Summary

Free AI summary — the first read on the filing.

Key Numbers

302

Total units open

280 franchised + 22 company-owned

8 franchised; 2 company-owned

Units opened last year

17 franchised; 0 company-owned

Units closed last year

-9 franchised; +2 company-owned

Net unit growth

AI Due Diligence Findings PREMIUM

What our analysis flagged across the 2025 filing.

4

Risks to review

3

Strengths identified

5

Questions to ask

Industry Benchmarks

How Keystone Insurers Group ranks against 29 Financial Services peers we've analyzed.

Initial investment

13th pct · of 29 peers

Franchise fee

6th pct · of 29 peers

System size

75th pct · of 29 peers

Financial Services industry averages

Avg investment

$58K - $182K

Avg franchise fee

$37K

Avg system size

458

Franchises analyzed

29

How Keystone Insurers Group stacks up

Closest concepts by category and investment.

Brand Item 19 Fee Investment Royalty Units
Keystone Insurers Group Disclosed $5K $27K - $99K 280
Supporting Strategies PartnersSimilar price None $60K $75K - $98K 10% 68
Ameriprise Financial ServicesBiggest system Disclosed $2K $10K - $138K 72–91% 3,738
Brightway InsuranceTop-rated in category Disclosed $25K $43K - $187K 351

Compare side-by-side ↗

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Investment Guide

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A franchise net worth requirement and a liquid capital requirement measure two very different things — and most rejected applicants fail the one they never checked. Here's how the math works at every investment tier.

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Investment Guide

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Most franchises take 12-24 months to reach profitability, but that number hides massive variation by industry, investment level, and market conditions. Here's how to estimate your actual timeline and plan your financial runway.

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Financial Analysis

Item 19 Shows Revenue, Not Profit: Build a Pro-Forma

Item 19 hands you an average revenue number and stops there. Here's the step-by-step way to haircut that top-line, layer in COGS, labor, occupancy, the fee stack, and debt service, and land on the profit you'd actually take home.

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Get franchise information FREE

Frequently Asked Questions

How much does a Keystone Insurers Group LLC franchise cost?

Keystone Insurers Group LLC requires a $5,000 initial franchise fee and a total initial investment range of $27,250–$99,200, per the most recent FDD on file.

Does Keystone Insurers Group LLC disclose financial performance (Item 19)?

Yes. Keystone Insurers Group LLC discloses Item 19 financial performance representations in its FDD. See the financials sub-page for the disclosed figures.

How many Keystone Insurers Group LLC locations are there?

As of their 2025 FDD, Keystone Insurers Group LLC has 280 total locations, with 8 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.

Does Keystone Insurers Group LLC grant exclusive territory?

No. Keystone Insurers Group LLC does not grant exclusive territory rights under Item 12. The franchisor retains the right to operate or grant additional units inside or adjacent to your trade area.

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