Quick Verdict · who it fits
We Insure fits first-time franchise buyers looking for a mid-scale financial services concept.
The numbers a buyer needs first — straight from the filing.
Initial investment (Item 7)
$60K - $138K
Franchise fee (Item 5)
$40K
Royalty (Item 6)
25–45% + 3% ad
Item 19 median rev
$363k Established Agencies (franchised units open for more than 5 f…
System size (Item 20)
132 +1
Agreement term
5 yrs
Years in business
18+ yrs
Company-owned units
1
Item 3 litigation
None disclosed
Model We Insure's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Buyer qualifications
✓Financing available•No exclusive territory•Owner-operator required✓No bankruptcy disclosed✓No Item 3 litigation
Data extracted from the 2026 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.
Where units actually land — not just the headline average.
P25
$187k
Median
$363k
P75
$586k
▪ n = 68 units · Established Agencies (franchised units open for more than 5 full years) · January 1, 2025 to December 31, 2025 · Source: 2026 FDD Item 19
Drag to your projected annual sales. Royalty 25–45% + ad fund 3% on gross sales.
PROJECTED ANNUAL SALES$360,000
$100k$2M
Royalty (25–45%)
—
Ad fund (3%)
—
Total / year
—
▪ Of-sales fees only · excludes rent, labor, COGS, and one-time costs · for illustration
Free AI summary — the first read on the filing.
132
Total units open
1
Units opened last year
26
Units closed last year
-25
Net unit growth
What our analysis flagged across the 2026 filing.
5
Risks to review
4
Strengths identified
5
Questions to ask
How We Insure ranks against 29 Financial Services peers we've analyzed.
Initial investment
51st pct · of 29 peers
Franchise fee
55th pct · of 29 peers
System size
51st pct · of 29 peers
Financial Services industry averages
Avg investment
$58K - $182K
Avg franchise fee
$37K
Avg system size
450
Franchises analyzed
29
Closest concepts by category and investment.
| Brand | Item 19 | Fee | Investment | Royalty | Units |
|---|---|---|---|---|---|
| We Insure | Disclosed | $40K | $60K - $138K | 25–45% | 132 |
| Ameriprise Financial ServicesSimilar price | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| Jackson HewittBiggest system | Disclosed | $25K | $19K - $105K | 15% | 2,468 |
| Brightway InsuranceTop-rated in category | Disclosed | $25K | $43K - $187K | — | 351 |
Not sure We Insure is the one?
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Free explainers to go deeper before you sign.
Brand Analysis
The 2025 FDD prices the initial franchise fee at $2,500, one of the lowest in our library, then sets the royalty at 30% to 60% of revenue. The franchised side of the system has shrunk by 574 offices in three years while the franchisor projects zero new ones.
Investment Guide
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.
Financial Analysis
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.
We Insure requires a $40,000 initial franchise fee and a total initial investment range of $59,916–$137,887, per the most recent FDD on file.
We Insure franchises are sold by We Insure, LLC, the franchisor entity of record on its Franchise Disclosure Document. Item 1 of the FDD discloses the corporate structure, including any parent companies and predecessors.
Yes. We Insure discloses Item 19 financial performance representations with reported revenue around $362,544. See the financials sub-page for the full distribution.
Franchisees pay a royalty of 25.0% to 45.0% and an advertising fund contribution of 3% on gross sales as defined in Item 6 of the FDD.
As of their 2026 FDD, We Insure has 132 total locations, with 1 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.
No. We Insure 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.
Per the FDD, We Insure discloses an initial agreement term of 5 years, a transfer fee of $3,500. Review Items 10 and 17 for the full renewal and termination provisions.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt