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indicates the clear winner per row. Ties and missing data are not highlighted.
How winners are chosen
Lower is better for investment, liquid capital, franchise fee, royalty and ad-fund rates, SBA charge-off rate, and owner turnover.
Higher is better for disclosed revenue and owner earnings, verdict score, total units, net unit growth, and franchisee contacts. For the letter grade, A ranks highest.
A row is highlighted only when one brand clearly leads. Ties are never highlighted, and missing data never counts as a win. Some rows (earnings-metric type, loan counts, contract terms) are informational and have no winner.
Focus by buyer type
| Brand |  BAbove averageLEGACY CLAIMS SERVICES Financial Services 2025 FDD Remove |  DBelow averageWe Insure Financial Services 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 24, 2025 | FDD issued Apr 28, 2025 |
Investment range | $68K – $138K | $70K – $138K |
Liquid capital | $10K – $20K | $15K – $53K |
Franchise fee | $50K | $50K |
Royalty rate | 15.0% | Not extracted |
Ad fund rate | 3.0% | Not extracted |
| Performance | ||
Avg gross sales | No Item 19 representation | No Item 19 representation |
Median gross sales | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not disclosed |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | BAbove average | DBelow average |
Verdict score | 65 / 100 | 35 / 100 |
SBA charge-off rate | Not SBA-matched | Under 10 loans (1) |
SBA loans on record | N/A | 1 |
| Scale | ||
Total units | 42 | 157 |
Net change (latest yr) | +12 | -39 |
Signed, not yet open | 0 (0.00 per open outlet) | Not extracted |
Turnover rate | 0.0% | 25.5% |
| Contract | ||
Initial term (years) | 5 | 5 |
Renewal term (years) | 5 | 5 |
Initial training (hrs) | 48 | 133 |
| Contacts | ||
Franchisee phones | 11 | 183 |
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