Signal

Signal

Information based on 2024 FDD

Business Services · Other Business Services

Investment min
$127K
Total: $127K–$5M
Avg gross revenue
$2M
Unit-level, 2024
Franchise fee
$120K
Per current disclosure
Royalty
4%
of gross revenue
Locations
1,059
Franchising since 2008

Description

What is Signal?

Signal stands as a prominent force in the business services sector, delivering exceptional insurance and financial solutions since 2003. With over 1,000 locations across their network, Signal has established itself as a trusted partner for entrepreneurs seeking to build their own successful business while helping others secure their futures.

As a Signal franchise owner, you'll join a respected brand known for its commitment to personalized service and comprehensive financial solutions. The business model centers on providing expert guidance and tailored insurance products to meet diverse client needs, backed by a reputation for reliability and professional excellence.

What sets Signal apart is their dedication to building lasting relationships with clients through transparent, competent advice and outstanding customer service. Franchise owners benefit from a proven system that emphasizes trust, expertise, and accessibility, creating a sustainable business model that serves their local communities.

The franchise provides comprehensive training and ongoing support, equipping owners with the tools and knowledge needed to deliver high-quality financial and insurance services. Signal's business framework allows entrepreneurs to leverage an established brand while building their own successful enterprise.

This opportunity is ideal for motivated individuals with strong interpersonal skills and a passion for helping others achieve financial security. Whether you have a background in financial services or are new to the industry, Signal's proven systems and support structure provide the foundation for building a thriving business in the growing insurance and financial services sector.
  • 1,059 established franchise locations nationwide
  • Above-average revenue performance exceeding subsector by 311%
  • Comprehensive insurance and financial services portfolio
  • Strong German SIGNAL IDUNA brand recognition
  • Proven franchise system operating since 2003
  • Scalable investment model from $127K to $5.1M

Location Analysis

Where Signal wins

Signal demonstrates robust national coverage across numerous states, showing particular strength in major economic centers. The franchise maintains a strong presence in the Northeast, with notable concentrations in New York and Massachusetts, while also having significant market presence in California, Illinois, and Texas. This distribution pattern suggests a strategic focus on high-density business markets and metropolitan areas with strong professional services sectors.

The franchise's impressive 4.59 average rating across numerous customer reviews indicates consistent service quality and strong market performance across regions. This above-industry-average rating particularly stands out in competitive markets like New York and California, suggesting effective operational practices and strong market fit.

The current geographic distribution reveals potential expansion opportunities in several uncovered states, particularly in growing business markets in the Southeast and Mountain regions. Successful Signal locations typically thrive in areas with high concentrations of small-to-medium businesses, professional service firms, and corporate offices.

For prospective franchisees, ideal locations should target areas with strong business density, high median household incomes, and growing professional workforce populations. Premium office or retail locations with good visibility and accessibility to business districts are recommended for optimal performance.
Total US locations
1,059
Franchise units
1,059
Corporate locations
0
Avg. sq. footage
N/A

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Financial Analysis

The numbers behind Signal

Avg gross revenue$1,860,300
Investment range$126,950 – $5,093,300
Investment midpoint$2,610,125
Brand fund5%
Royalty4%
Franchise fee$120,000
Min. net worth
Min. liquid capital
Signal presents a wide investment range of $126,950 to $5,093,300, indicating significant scalability from entry-level to premium positioning within the Other Business Services subsector. This broad spectrum suggests multiple business models or territory sizes, requiring careful evaluation of specific investment tiers. The franchise's reported gross revenue of $1,860,300 substantially exceeds the subsector average of $452,175, demonstrating strong above-average revenue performance in the business services space.

Established in 2003 with 1,059 active units, Signal demonstrates strong system maturity and extensive market penetration over two decades of franchise operations. This substantial unit count indicates proven operational systems and franchisor infrastructure capable of supporting large-scale growth. The German insurance and financial services heritage suggests established brand recognition and operational expertise.

The insurance agency model benefits from recurring revenue streams and demographic trends favoring financial security products. However, this sector requires significant regulatory compliance knowledge and professional licensing, creating barriers to entry but also competitive protection. The wide investment range may reflect territory exclusivity variations or different service offerings within the comprehensive financial services portfolio.

Ideal investors should possess substantial liquid capital given the upper investment threshold, along with financial services experience or strong business management backgrounds. The regulatory nature of insurance requires commitment to ongoing education and compliance. Multi-unit development potential appears strong given the system's scale and proven franchise model established since 2003.
Did you know? Starting a Signal franchise requires a total investment ranging from $126,950 to $5,093,300 (which includes the $120,000 franchise fee), with this wide cost range reflecting the flexibility to open anything from a compact Signal location in a smaller market to a full-scale operation in a premium metropolitan area.

Financing partners

Vetted partners, tailored to franchisees

Your Franzy advisor can connect you with these partners later in the process — competitive rates, specialized in franchise financing.

FranFund

Lender

CRF USA

Nonprofit SBA lender; provides financing for franchise acquisitions, startups, and expansion.

Lender

First Bank of the Lake

Lender

Pension Pros

Lender

FDD Item 7

Initial investment range

$127K–$5M
Most common
$126,950
Minimum
$2,610,125
Midpoint
$5,093,300
Maximum

Per FDD Item 7, total initial investment ranges from $126,950 to $5,093,300. The midpoint $2,610,125 is what most franchisees report at signing — financing typically reduces cash-at-close by 80–90%. Knowing the investment range helps you plan confidently and ensure you're fully prepared to make the leap.

FDD Item 19

Average gross sales

$3M$2M$2M$1M$500KN/A
$1M
$2M
$2M
2022
2023
2024
Avg
$2M
YOY change (2023 -> 2024)
+24%

According to Item 19 of the Franchise Disclosure Document, Signal has an average gross revenue of $2M. (Note: This information is based on the latest FDD in our records. Please review the Franchise Disclosure Document (FDD) and confirm this information directly with the brand. We make no claims of accuracy for the information presented.)

Growth over time

Franchise footprint

+10% YoY
1,5001,2009006003000
2017
2018
2019
2020
2021
2022
2023
2024
1,059 units open as of 2024 FDD+96 in last 12 mo

2024 Franchise Disclosure

FDD documents

Below are items 2, 3, 4, 7, 11 and 19 for Signal's 2024 FDD. The complete FDD is delivered to you directly by the franchisor, per the FTC Franchise Rule.

Estimated initial investment
FDD Item 7 · PDF
Financial performance representations
FDD Item 19 · PDF
Members-only items
Executive team
FDD Item 2 · PDF
Litigation
FDD Item 3 · PDF
Bankruptcy
FDD Item 4 · PDF
Franchisor assistance
FDD Item 11 · PDF
Members only
Unlock the 2024 FDD

Connect to download Items 2, 3, 4, and 11 — direct from the franchisor.

Buyer FAQs

Frequently asked questions

The initial investment for a Signal franchise typically ranges between $126,950.00 and $5,093,300.00. This includes the franchise fee, equipment, real estate, and other startup costs. To get a detailed breakdown and better understand the financial requirements, we recommend scheduling a call with the Franzy team. We'll walk you through the specifics and answer any questions you might have. For more detailed information, refer to the financial sections of the FDD.

Disclaimer. The information provided on this page is based on the latest Franchise Disclosure Document (FDD) that is publicly available and that we have on record, which was issued in 2024. This information is for informational purposes only and is not intended to constitute legal, financial, or business advice. We make no guarantees or claims regarding the completeness or accuracy. For the most current and detailed information, we recommend consulting the franchisor directly for the most recent FDD and regarding any questions that you may have about the information provided.

Signal
Signal
$2M avg revenue · 1059+ US franchises

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