Capital Gain Prime

Insurance Services

Review insurance-focused services and protection planning options.

Insurance Services

Protection, across every door.

Policies bound through vetted carriers, audited annually against the actual shape of your life — not the shape on a sales illustration.

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Auto Insurance

Liability, collision, comprehensive and umbrella. We shop 14 A-rated carriers and structure limits around your real net worth — not the state minimum.

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Health Insurance

ACA marketplace, private medical, short-term gap, and HSA-qualified HDHP. Employer group, spouse coordination and COBRA optimization.

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Home Insurance

HO-3, HO-5, condo, renters and landlord. Extended dwelling cost, scheduled valuables and water-backup endorsements structured to your actual rebuild.

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Life Insurance

Term, whole, universal and indexed. Ladder-structured term for young families, permanent coverage for estate liquidity, all carrier-rated A or above.

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Travel Insurance

Trip cancellation, emergency medical, baggage and evacuation. Single-trip and annual multi-trip policies for frequent travelers and remote workers.

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Mortgage Insurance

Private MI, lender-paid MI and borrower-paid MI. We model the break-even against a piggyback second — and recommend the path that costs less over time.

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Burial Insurance

Final expense whole-life policies with simplified underwriting. Level premium, guaranteed acceptance paths, and immediate or two-year graded benefit options.

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Pet Insurance

Accident and illness, wellness add-ons, hereditary and chronic condition coverage. We model the lifetime expected cost against premium for your breed and region.

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Business Insurance

General liability, professional E&O, workers' comp, cyber and BOP. Key-person life, buy-sell funding and directors' & officers' for private boards.

Coverage gap you don't know about yet?

Free 30-minute insurance audit. We map every existing policy against your actual exposure and tell you — in writing — where the gaps are.