This is the FreedInsure story told the way we wish every case study was told: real numbers, the five systems that produced them, and no invented statistics anywhere. It's our own company — because we won't publish client results we can't prove.
No montage. Just the sequence — including the part where the first paycheck was an insult.
FreedInsure's first month of commission revenue was $227. That's not a story we polished for marketing — it's literally the first entry on the monthly P&L. The industry's washout rate exists because of months like that one. The decision that followed — treat selling as a system to be engineered, not a personality contest to be won — is the entire reason the rest of this page exists.
Tino and Mike Catoggio — thirty years of selling between a former stockbroker and a young operator — took FreedInsure from that $227 to $400,044 in revenue by December, with 2,675 paying members in the founding year. Renewal revenue that year: essentially zero — there was nothing to renew yet. Every system had to replace a person they couldn't afford to hire.
Revenue nearly tripled to $1,186,763. More important: 32% of commission revenue now came from renewals — members from year one staying, paying, compounding. GoHighLevel ran the hub, Zapier glued the edges, the ad platforms got wired to closed deals, and when off-the-shelf ran out, Tino built the custom lead-generation engine.
Revenue reached $1,324,407, and in Q1 2025 renewal share of commissions crossed 50% for the first time — finishing the year near 59%. That's the retention calendar doing exactly what it was built to do: the book stopped depending on new sales to grow. This is what the seven retention keys look like in a P&L.
Where it stands: ≈3,046 policies covering 3,400+ lives, roughly $2.6 million a month in premium under management, in-force business across 23 states and 82 carrier entities (largest single issuer: 16% of policies) — and ~75% of the current book made of continuing, renewing members. We still own it and still run it. Two people, five systems, and a renewal curve doing the compounding.
From the bank-reconciled P&L and lifetime carrier commission statements. The renewal share is the number to watch — that's a book compounding.
Where these numbers come from: a bank-reconciled monthly P&L (Feb 2023 – Jul 2026), lifetime FMO commission statements, and carrier-level book exports — the same documents a buyer's diligence team works from. Revenue figures are cash-basis totals for completed fiscal years, and the 2026 figure is a forward estimate, labelled as one; renewal share is measured on commission line items; the book snapshot is the live in-force export at mid-2026. We publish what we can prove, and nothing else — the full method is on how we measure.
The real proof of a book isn't how it grows in good years — it's what holds when the market turns. In 2026, it turned.
The enhanced premium tax credits expired in December 2025 — repricing coverage for millions of households overnight. National marketplace enrollment contracted roughly 5% (CMS 2026 Open Enrollment Report). And Aetna — about a tenth of the book's payable commissions — exited the individual market entirely.
Books across the industry bled. This is the moment "buy leads, churn members" agencies got exposed.
It held. Roughly 66% member retention into 2026 while the national market shrank. Three-quarters of the in-force book made of continuing, renewing members. Texas — the largest state in the book — grew 5% against the national decline.
That's not luck. That's the retention calendar, the honest pitch, and the renewal automation doing exactly what they were built for — in the worst year to test them.
We don't print testimonial graphics. We don't need to — the people FreedInsure covers wrote the record themselves, in public, over three years.
“Tino at FreedInsure Agency is exactly the type of person you want when trying to navigate health insurance.”
“Best insurance you can get. I’m an independent contractor and I didn’t think I could get insurance this good for this price!”
“Couldn’t ask for better customer service from Steven Trifilio, he helped me and my family out and got us the best plan with the best quote.”
“My experience has been above and beyond what I actually expected.”
All quotes are from FreedInsure Agency's public Google Business Profile — read all 519 yourself. We'd rather you check than take our word for it.
Not talent. Not luck. These five — each one now installable in your business, because they're process, not personality.
Instant text-back and minutes-to-dial routing, with timestamps proving it. A lead called in two minutes and a lead called in three hours are two different products at the same price. The full breakdown →
Every objection anticipated, every rebuttal drilled off-hours, every picture painted before the phone rang. The pitch is the bible; the call is just the reading. The full breakdown →
A written cadence in the CRM meant no lead ever sat without a next scheduled action — attempt five happened on schedule whether anyone felt like it or not. The full breakdown →
Onboarding as a second sale, service touches on a schedule, renewal conversations before renewal dates. Recurring revenue is built here — and it's the first thing a buyer prices. The full breakdown →
Leads, dials, closes, and revenue per person, surfaced daily without anyone exporting anything. Two people run a multi-state operation because the scoreboard holds the discipline. The full breakdown →
GoHighLevel as the hub, Zapier as the glue, pixel/CAPI/offline conversions feeding the ad platforms, and a custom lead engine when buying ran out. The exact stack →
Tino entered the industry at 20, founded FreedInsure at 22, and is 25 today. Five years in the industry, three running the agency — which is why the systems got built before the volume arrived, not after. The agency is still ours, still running, still writing business. The renewal curve, the automated follow-up, the scoreboard, the lead engine — that's what gives a 25-year-old owner options at all, instead of a book of business chained to his own dialing hand.
A business that runs on systems is a business you can walk away from. A business that runs on you is a job you can't quit. Those systems have to be built long before you need them — which is exactly the exit-positioning side of what we do for owners now.
Coming — with permission, or not at all. Most consulting sites pad this page with anonymous miracles: "helped a client 4x revenue in 90 days." No name, no numbers you can check, no way to call anyone. We think that's worse than nothing.
Our rule: we publish client results when the client agrees to be named and the numbers can be verified — and until then, the only case study on this site is the one we can prove down to the bank statement: our own. If that costs us a visitor who wanted seventeen testimonials, we'll take the trade. Trust is the product. And we're doing something about the gap rather than papering over it: the first five clients get 25% off in exchange for letting us publish their name and their real numbers — including the ones that don't flatter us.
There is a second thing on the record in the meantime, and it is about this company rather than the last one. We wrote down the searches we are trying to win before we ranked for any of them, documented the baseline at zero, and post the positions publicly every month with the misses left in. It is a case study being written live, on us, where you can watch it go wrong.
But here's the human version of the FreedInsure case study: roughly 88% of the book's premium is covered by federal subsidies — about $2.3 million a month in assistance we administer for our members. In plain English: a large share of the 3,400+ people we cover pay little or nothing out of pocket for their health insurance. Thousands of families, covered. That's the client outcome — it just never needed a testimonial graphic. And if you want the client voice anyway, it's already public: 519 Google reviews, 4.9 stars, names attached — written by members, not marketers.
The free revenue diagnosis is the same audit we run on ourselves for years — your lead flow, your close rate, your retention, your scoreboard. Straight verdict, no pitch deck.