--- title: Medicare Insurance Agent in Raleigh, NC | Triangle Life description: Independent insurance agent in Raleigh, NC. Compare Medicare, ACA health and life plans from top carriers. Free 30-minute consult — (919) 689-6565. image: https://trianglelifeandhealth.com/hubfs/Logos/FFF_Triangle%20Life%20and%20Health_R_3605x1152.png --- [Skip to the main content.](https://trianglelifeandhealth.com#main-content) Tel: [919-689-6565](tel:+19196896565) M - F 8-5PM EST [![Triangle-Life-Health-Final\_R](https://trianglelifeandhealth.com/hs-fs/hubfs/Triangle-Life-Health-Final_R.png?width=250&height=110&name=Triangle-Life-Health-Final_R.png "Triangle-Life-Health-Final_R")](https://trianglelifeandhealth.com) [![Triangle-Life-Health-Final\_R](https://trianglelifeandhealth.com/hs-fs/hubfs/Triangle-Life-Health-Final_R.png?width=250&height=110&name=Triangle-Life-Health-Final_R.png "Triangle-Life-Health-Final_R")](https://trianglelifeandhealth.com) - ACA - [2027 Open Enrollment](https://trianglelifeandhealth.com/aca-open-enrollment) - [ACA Insurance Overview](https://trianglelifeandhealth.com/north-carolina-aca-health-insurance) - Medicare - [2027 Annual Enrollment](https://trianglelifeandhealth.com/medicare-aep) - [Medicare Overview](https://trianglelifeandhealth.com/medicare-overview) - [Schedule an Appointment](https://trianglelifeandhealth.com/calendar) - [Medicare Advantage (Part C)](https://trianglelifeandhealth.com/medicare-advantage-part-c) - [Prescription Drug Plan (Part D)](https://trianglelifeandhealth.com/prescription-drug-plan-part-d) - [Medicare Supplement Insurance (Medigap)](https://trianglelifeandhealth.com/medicare-supplement-insurance-medigap) - Life Insurance - [Burial Insurance](https://trianglelifeandhealth.com/burial-insurance-final-expense-coverage-in-north-carolina) - [Term Life Insurance](https://trianglelifeandhealth.com/term-life-insurance) - More - [Dental Insurance](https://trianglelifeandhealth.com/dental-insurance) - [Hospital Indemnity Insurance](https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans) - [Short-Term Medical Insurance](https://trianglelifeandhealth.com/short-term-medical-insurance) - [Contact](https://trianglelifeandhealth.com/contact-us) [Contact Us](https://trianglelifeandhealth.com/contact-us?hsLang=en) Toggle Menu Toggle Menu ## Contact Us Today [Contact Us](https://trianglelifeandhealth.com/contact-us?hsLang=en) - ACA - [2027 Open Enrollment](https://trianglelifeandhealth.com/aca-open-enrollment) - [ACA Insurance Overview](https://trianglelifeandhealth.com/north-carolina-aca-health-insurance) - Medicare - [2027 Annual Enrollment](https://trianglelifeandhealth.com/medicare-aep) - [Medicare Overview](https://trianglelifeandhealth.com/medicare-overview) - [Schedule an Appointment](https://trianglelifeandhealth.com/calendar) - [Medicare Advantage (Part C)](https://trianglelifeandhealth.com/medicare-advantage-part-c) - [Prescription Drug Plan (Part D)](https://trianglelifeandhealth.com/prescription-drug-plan-part-d) - [Medicare Supplement Insurance (Medigap)](https://trianglelifeandhealth.com/medicare-supplement-insurance-medigap) - Life Insurance - [Burial Insurance](https://trianglelifeandhealth.com/burial-insurance-final-expense-coverage-in-north-carolina) - [Term Life Insurance](https://trianglelifeandhealth.com/term-life-insurance) - More - [Dental Insurance](https://trianglelifeandhealth.com/dental-insurance) - [Hospital Indemnity Insurance](https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans) - [Short-Term Medical Insurance](https://trianglelifeandhealth.com/short-term-medical-insurance) - [Contact](https://trianglelifeandhealth.com/contact-us) [Facebook](https://trianglelifeandhealth.com#0) [Linkedin](https://trianglelifeandhealth.com#0) **INDEPENDENT INSURANCE AGENT  ·  LICENSED IN NORTH CAROLINA SINCE 2013** # **Insurance shouldn't feel like a maze.** [65 or older · or on Medicare⏰  2027 Medicare Enrollment](https://trianglelifeandhealth.com/medicare-aep?hsLang=en)[Under 65🩺  2027 ACA Enrollment](https://trianglelifeandhealth.com/aca-open-enrollment?hsLang=en) Something else? [Book a free 30-min call](https://trianglelifeandhealth.com/calendar?hsLang=en)  ·  or call [(919) 689-6565](tel:9196896565)     # **Insurance shouldn't feel like a maze.** I’m Michael Cubell, a licensed insurance agent since 2013. Medicare, ACA, life insurance — no call centers, no runaround. Licensed in 15 states  ·  AHIP, FFM & AML certified  ·  [📞 Or call me directly: (919) 689-6565](tel:9196896565) LICENSED SINCE 2013 Independent agent in North Carolina STATES 15 Helping families across the US YEARS ~ 30 Calling Raleigh home CALL CENTERS 0 Just one agent answering his own phone Who I work with ## Pick the one that brought you here. Whatever stage of life you're in, the conversation starts the same way: a free 30-minute call. No pressure, no pitch — just answers. ### [![Family in kitchen](https://trianglelifeandhealth.com/hubfs/viktor-perf/aca-700.webp) ACA Health Insurance Under 65 and need coverage that fits your family's budget? I'll compare marketplace plans, claim every subsidy you qualify for, and translate the fine print into plain English. **Talk it through →**](https://trianglelifeandhealth.com#book-call) ### [![Young couple beside crib](https://trianglelifeandhealth.com/hubfs/viktor-perf/termlife-700.webp) Term Life Insurance Protect the people who count on you. Most clients are insured within 48 hours — the right amount of coverage, the right number of years, at a price that doesn't squeeze your budget. **Talk it through →**](https://trianglelifeandhealth.com#book-call) ### [![Woman with coffee on porch](https://trianglelifeandhealth.com/hubfs/viktor-perf/medicare-700.webp) Medicare Turning 65? Already on Medicare? I'll walk you through Original, Advantage, Medigap, and Part D — and match you with the plan your doctors and prescriptions already work with. **Talk it through →**](https://trianglelifeandhealth.com#book-call) ### [![Grandfather and granddaughter](https://trianglelifeandhealth.com/hubfs/viktor-perf/finalexpense-700.webp) Final Expense Life Insurance A small, paid-up policy that covers funeral and final costs so your family can grieve, not scramble. Most plans require no medical exam. Rates locked in for life. **Talk it through →**](https://trianglelifeandhealth.com#book-call) ### [![Smiling woman at dentist](https://trianglelifeandhealth.com/hubfs/viktor-perf/dental-700.webp) Dental Insurance Standalone dental plans, or dental added to Medicare Advantage. Cleanings, fillings, and the bigger stuff — covered before it becomes a four-figure problem. **Talk it through →**](https://trianglelifeandhealth.com#book-call) Free 30-min call ### Let's figure it out together. Tell me what brought you here. I'll explain your options in plain English — no pressure, no pitch. [Book a free call →](https://trianglelifeandhealth.com#book-call) ### [![Agent reviewing annuity options with a retired couple](https://trianglelifeandhealth.com/hubfs/viktor-annuity/tlh-annuity-agent-couple.png) Annuities Worried about outliving your savings? Fixed and fixed indexed annuities turn part of your nest egg into income you can’t outlive — with your principal protected from market losses. **See how annuities work →**](https://trianglelifeandhealth.com/annuities?hsLang=en) ### [![Agent going over a vision plan with a client at her kitchen table](https://trianglelifeandhealth.com/hubfs/viktor-annuity/tlh-vision-agent-review.png) Vision Insurance Standalone vision coverage for exams, frames, lenses and contacts — so an eye appointment doesn’t turn into a surprise bill. **Talk it through →**](https://trianglelifeandhealth.com#book-call) ### [![Client shaking hands with his insurance agent after choosing a plan](https://trianglelifeandhealth.com/hubfs/viktor-annuity/tlh-hearing-agent-handshake.png) Hearing Coverage Hearing exams and hearing aid benefits are some of the most expensive gaps in retirement. I’ll show you what’s actually available to you. **Talk it through →**](https://trianglelifeandhealth.com#book-call) How it works ## Three steps. No high-pressure sales. You stay in the driver's seat. I do the digging, you make the call. ### Free 30-minute call You tell me what's going on — turning 65, lost a job, new baby, COBRA running out. I listen, ask a few questions, and figure out what we're actually solving for. ~30 min ### I shop the carriers I compare plans across UnitedHealthcare, Mutual of Omaha, Aetna, Humana, BCBS NC, Alignment, and more — and bring you the 2–3 that actually fit. No agency markup, no carrier loyalty. ~24–48 hr ### You enroll — I stay on call Once you pick a plan, I handle the paperwork. Then I'm your agent for life: AEP, claims questions, plan changes, anything. Same number, no phone tree. Lifetime support [Start with step 1 →](https://trianglelifeandhealth.com#book-call) Carriers I shop for you ## Top-rated plans from the names you trust. ![UnitedHealthcare](https://trianglelifeandhealth.com/hs-fs/hubfs/UHC_MB_Lockup_Horiz_blu_RGB.png?width=320&name=UHC_MB_Lockup_Horiz_blu_RGB.png) ![Mutual of Omaha](https://trianglelifeandhealth.com/hs-fs/hubfs/mutualofomaha.png?width=320&name=mutualofomaha.png) ![Aetna](https://trianglelifeandhealth.com/hs-fs/hubfs/Aetna_logo_sm_rgb_vio.png?width=320&name=Aetna_logo_sm_rgb_vio.png) ![Humana](https://trianglelifeandhealth.com/hs-fs/hubfs/humana-1.png?width=320&name=humana-1.png) ![BlueCross BlueShield of North Carolina](https://trianglelifeandhealth.com/hs-fs/hubfs/bcbsnc_agency_rgb.jpg?width=320&name=bcbsnc_agency_rgb.jpg) ![Alignment Health Plan](https://trianglelifeandhealth.com/hs-fs/hubfs/Logos/AH_WeSell_Horizontal_RGB_Color.png?width=320&name=AH_WeSell_Horizontal_RGB_Color.png) Why an independent agent ## I work for you, not the carrier. Captive agents at one carrier can only sell you what they have. That doesn't always mean it's what's best for you. I'm contracted with the major carriers, so I shop the market and bring you the plan that actually fits. - ✓ **Multi-carrier shopping**Top carriers in NC: UnitedHealthcare, Mutual of Omaha, Aetna, Humana, Alignment, BCBS NC. I compare them side by side. - ✓ **You pay the same price**Carrier rates are filed with the state. There's no markup for using an agent — my services cost you nothing. - ✓ **Plain-English explanations**Networks, formularies, MOOPs, donut holes. I translate insurance into normal-people words. - ✓ **Service for life**AEP review, claims help, plan changes, ID cards lost — you call me, not a call center in another state. ### Independent vs. captive at a glance With me Compare 6+ carriers Captive agent Sells one carrier's plans With me Same price, no markup Captive agent Same price (no advantage there) With me Switch carriers if a better plan opens up Captive agent Locked into one product line With me Direct line, same agent every year Captive agent 800-number, different rep each time More to know ## Other coverage I can help with. Specialty plans that fill the gaps the big stuff leaves behind. ## [Hospital Indemnity Cash-benefit coverage that pays you directly when you're admitted. Pairs well with Original Medicare or a high-deductible plan. **Learn more →**](https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans?hsLang=en) ## [Short-Term Medical Bridges gaps between jobs, after a layoff, or before Medicare kicks in. Coverage in days, not weeks. **Learn more →**](https://trianglelifeandhealth.com/short-term-medical-insurance?hsLang=en) ![Michael Cubell, Triangle Life and Health](https://trianglelifeandhealth.com/hs-fs/hubfs/Web-14505--2048x1365-1.png?width=900&name=Web-14505--2048x1365-1.png) Meet your agent ## Hi, I’m Michael Cubell. I started in insurance because I watched my grandmother work the phone for hours trying to figure out a Medicare plan that was supposed to be “the easy one.” She didn’t need a salesperson. She needed someone who’d sit with her and translate the fine print. So I became that person. I’ve been licensed since 2013 — and I’ve called Raleigh home for almost 30. I’m AHIP-certified, AML-certified, and I’m contracted with every major carrier serving North Carolina — so when you call, you get straight comparisons across the whole market, not a pitch for one company’s plan. And when you have a question after enrollment? You call me. The same me. Not a call center. Licensed since 2013 AHIP certified AML certified Licensed in 15 states Raleigh resident since '96 [Book a free 30-min call](https://trianglelifeandhealth.com#book-call) [Or call 919-689-6565](tel:9196896565) A recent client story ## “He went to bat for me with the pharmacy.” ★★★★★ Michael was incredibly patient with me. When my pharmacy gave me the runaround on a covered medication, he stepped in, called the plan, and got it sorted the same day. He treats his clients like family. **Anise H.**Medicare client · Raleigh, NC [Book your free call](https://trianglelifeandhealth.com#book-call) 30+ five-star reviews on Google · [Read more reviews →](https://trianglelifeandhealth.com/review?hsLang=en) ## What clients are saying 30+ five-star reviews on Google. Here's what families across the Triangle and beyond have said. Ready when you are ## Let’s talk through your options. 30 minutes. No pressure. No pitch. You’ll walk away knowing what you actually qualify for and what it’ll cost. ✓ Free consultation ✓ No obligation ✓ Same-day callback [Book a 30-min call online Pick a time on my calendar](https://trianglelifeandhealth.com/calendar?hsLang=en) [Call me directly: 919-689-6565 Mon–Fri 8am–5pm EST](tel:9196896565) Ready to talk? Get a free plan comparison. [Book a free call →](https://trianglelifeandhealth.com/calendar?hsLang=en) [or call 919-689-6565](tel:9196896565) × Quick Links Quick Links - [Schedule Appointment](https://trianglelifeandhealth.com/calendar) - [ACA Insurance](https://trianglelifeandhealth.com/north-carolina-aca-health-insurance) - [Blog](https://trianglelifeandhealth.com/blog) - [Life Insurance](https://trianglelifeandhealth.com/term-life-insurance) - [About Us](https://trianglelifeandhealth.com/about-triangle-life-and-health) - [Contact](https://trianglelifeandhealth.com/contact-us) - [Privacy Policy](https://trianglelifeandhealth.com/privacy-policy) - [Terms of Service](https://trianglelifeandhealth.com/terms-of-service-agreement) ###### Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800 MEDICARE (24 hours a day/7 days a week) to get information on all of your options. Not affiliated with the U.S. government or federal Medicare program. This is a solicitation for Insurance. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Triangle Life and Health is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Triangle Life and Health. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association®, SM Registered marks of the Blue Cross and Blue Shield Association. ###### Triangle Life and Health is licensed in the following states:  AR LIC #3001749169 | AZ LIC #3000715968 | CT LIC #3004383862 | FL LIC #L110099 | GA LIC #216953 | LA LIC #1045542 | MD LIC #3000702723 | MO LIC #3001760254 | MT LIC #3004369750 | NC LIC #1000466684 | OH LIC #1315974 | SC LIC #3000934918 | TN LIC #3001749153 | TX LIC #2564289 | VA LIC #149038 [![Triangle-Life-and-Health-R\_280x8](https://trianglelifeandhealth.com/hubfs/Triangle-Life-and-Health-R_280x8.png)](https://trianglelifeandhealth.com/?hsLang=en) © 2026 Triangle Life and Health Return to top ```json { "@context" : "https://schema.org", "@id" : "https://trianglelifeandhealth.com/#agency", "@type" : [ "InsuranceAgency", "LocalBusiness", "ProfessionalService" ], "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Raleigh", "addressRegion" : "NC", "postalCode" : "27615", "streetAddress" : "6512 Six Forks Rd, Suite 503B" }, "aggregateRating" : { "@type" : "AggregateRating", "bestRating" : "5", "ratingValue" : "5.0", "reviewCount" : "77", "worstRating" : "1" }, "alternateName" : "Triangle Life & Health", "areaServed" : [ { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Raleigh" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Cary" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Durham" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Chapel Hill" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Apex" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Wake Forest" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Garner" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Holly Springs" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Morrisville" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Knightdale" }, { "@type" : "City", "containedInPlace" : { "@type" : "State", "name" : "North Carolina" }, "name" : "Fuquay-Varina" }, { "@type" : "State", "name" : "North Carolina" } ], "description" : "Independent insurance agency in Raleigh, NC specializing in Medicare (Parts A, B, C, D, and Medigap), ACA / Marketplace health insurance, term life insurance, final expense / burial insurance, dental, hospital indemnity, and short-term medical plans. 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