Good on you for having a CEO with real-world experience in your field. :) That makes all the difference.

So if your target market is the brokers, the trick is providing value to them. That means more commissions, or more profit per commission. There might be a market for painkillers and making it less stressful, but that will be a much smaller market than getting a piece of that commission cash flow.

And for pricing, either you charge a LOT for service, or you get paid per commission as a percentage, which puts you in the land of state-by-state regulatory and is hard.

To me, this feels a lot more like the enterprise software market than the consumer app markets that seem to attract so many startups. I keep seeing people talk about a B2C approach, and I just don't see how you make a lot of money at that.