Capital Insurance Brokers

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Day after day you work hard to build the ideal life for your family.
At Capital Insurance Brokers we can help you protect that life

Medicare is divided into two parts. Part A: which is available to most Americans without a monthly premium which helps pay hospital bills. Part B: is available for a monthly premium and covers most costs of doctors services. When you turn 65 and begin to use Medicare as your health insurance, you may decide that you need more coverage than Medicare Parts A & B.
We offer a variety of Medicare Supplement Insurance plans from several insurance companies. These policies cover some of the expenses not paid by Medicare. You can choose from plans that best fit your personal needs as well as provider choices and freedom to visit any doctor, specialist or hospital.

We offer Supplement plans from the following companies:
AARP, Aetna, American Republic, Blue Cross Blue Shield, Cigna, Conseco, Humana, United of Omaha, United Teachers, Royal Neighbors of America, Provident American, SPJST, Penn-Treaty, and Unicare.

In addition to Medicare Supplement Insurance, we offer a variety of Medicare Advantage Plans. Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower co-payments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.
We offer Medicare Advantage Plans from the following companies:

Life Insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner's death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals.
As with most insurance polices, life assurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.
Insured events that may be covered include:

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.
Life based contracts tend to fall into two major categories:

Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment.

Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums.

Term Life Insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.
Term life insurance provides coverage for a limited period of time, the relevant term. After that period, the insured can either drop the policy or pay annually increasing premiums to continue the coverage. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is often the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis.
Permanent Life Insurance is a form of life insurance such as whole life or endowment, where the policy is for the life of the insured, the payout is assured at the end of the policy (assuming the policy is kept current) and the policy accrues cash value.
This is compared with Term life insurance where insurance is purchased for a specified period (typically a year, or for level periods such as 5, 10, 15, 20 even 25 and 30 years) where a death benefit is only paid to the beneficiary if the insured dies during the specified period.
Permanent life insurance originally was offered as a fixed premium fixed return product known as whole life insurance also known as cash surrender life insurance. This offered consumers guaranteed cash value accumulation and a consistent premium. Consumers later wanted more flexibility which was offered in the form of universal life insurance. Universal life insurance allows consumers flexibility in when premiums are to be paid and the amount that they would be. Universal life policies also allowed consumers to permanently withdraw cash from the policy without the interest associated with the loan provisions in whole life policies. Universal life policies retained the fixed investment performance of whole life policies.

A life settlement is a beneficial alternative to letting the policy lapse or surrendering it to the issuing insurance company. Whenever policy owners are considering lapsing or surrendering a life insurance policy for any reason, they should explore the life settlement option with their financial advisor.
Most life settlements occur because the circumstances which originally prompted the purchase of the life insurance policy have changed. For example:

The beneficiaries of the insurance policy die before the person covered by the policy

The policy has not performed as expected or premium payments have become burdensome

A change in policy type or coverage amount is necessary to address current objective

There are clear financial benefits to a life settlement. Life settlements offer policy owners an immediate and significant lump sum payment and relieve them from the burden of paying future premiums.
What Life Insurance policies qualify?

The insured has experienced a deterioration in health since the insurance policy was issued; life expectancy is under 15 years

The insurance policy is in effect beyond the two year contestable period

Insurance policies that qualify include: Whole Life, Universal Life, Variable Universal Life, Term and Convertible Term

Discover the Benefits of a Group Health Insurance Plan
As a valuable component of a compensation package, a group health insurance plan can help you hire and retain the best workers. Plus, there are special tax incentives for businesses that provide health insurance.

As Your Health Insurance Partner, we are committed to helping you find the right health insurance plan at the right price. And when you buy through us, you'll get more than just a health insurance plan, you'll get a health insurance partner!

Even after you buy, we'll help with all your health insurance needs and serve as your advocate with the insurance company. We'll even shop for competitive quotes for you when it's time to renew!

We represent several A rated companies, such as:
United Health Care, Aetna, Cigna, Blue Cross Blue Shield, Trustmark / Starmark, Principal, Best Life, Great West, Unicare, PacifiCare, Assurant Health, Humana, USNow, Aflac, Colonial, Delta Dental, Allied Administrators, AIG, and more.

Group Accident Plans (GAP): Occupational accident insurance protects the insured person against the financial consequences of an occupational accident or an occupational disease. Accident insurance covers medical benefits, without limitation in terms of cost or time, as well as wage compensation payments (daily allowances). In the case of serious accidents or occupational diseases, the insured person is entitled to additional nursing benefits, cost reimbursement and financial benefits and rehabilitation services. Accident insurance premiums are charged to the company. GAP insurance is a low-cost substitute for Workers Comp.
YOU NEED ON-THE-JOB ACCIDENT INSURANCE IF...

You use contractors, and need them to provide for their coverage, OR

You have Worker's Comp on employees and wish to cut cost by insuring owners, officer or contractors with Occupational Accident Insurance, OR

You self-insure for Worker's Compensation and need to reduce your out-of-pocket claims cost.

Group Disability Plans: We offer employer sponsored and non-employer sponsored plans.
401K / Retirement Planning: For information on: Traditional IRA, Roth IRA, Individual 401K, SEP, Simple IRA, Profit Sharing / Money Purchase, Age-Weighted / New Comparability, Defined Benefit Uni-DB, 401(k), and 403(b)'s please contact our office and speak with an agent.

Individual, or family, health insurance is also commonly known as personal health insurance or private health insurance. Most insurance companies offering this product will refer to it as individual health insurance. Family health insurance, where you, your spouse and your children are all on the same plan, is still referred to as an individual health plan. You can purchase this type of policy for yourself and your family if your employer does not provide Group Health insurance benefits to its employees. You may also consider family medical insurance if you are self-employed, unemployed or a student. Individual and family health insurance plans are available for newborns on up to the seniors at age 65. Once a person turns 65, they become eligible for Medicare and Medicare Supplement Insurance, and must forfeit their individual medical insurance policy.
Contact us for Free Quotes and let us help decide which type of plan is right for you!
Or you may visit our Products page to see the list of Individual carriers and quote yourself.

Temporary Medical Insurance quote & plans are designed to protect against sudden accidents or illnesses and they usually do not include benefits for preventive care, physicals, immunizations, dental, or vision care. These Short Term plans typically do not cover pre-existing medical conditions.
Visit our Products page for free Short-term Health Insurance quotes.