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INDEPENDENT INSURANCE AGENT  ·  LICENSED IN NORTH CAROLINA SINCE 2013

Insurance shouldn't feel
like a maze.

Something else? Book a free 30-min call  ·  or call (919) 689-6565

 

 

Insurance shouldn't feel like a maze.

Triangle Life and Health is an independent Medicare, ACA and life insurance agency in Raleigh, NC. I’m Michael Cubell, licensed since 2013 — no call centers, no runaround.

Licensed in 15 states  ·  AHIP, FFM & AML certified  ·  📞 Or call me directly: (919) 689-6565

NEW FOR 2027 What's changing in Medicare on January 1
See everything new for 2027 →
$2,400
Part D drug cost cap
was $2,100
Up to $700
Part D deductible
was up to $615
Up to $9,850
Medicare Advantage in-network limit
was up to $9,250
15 more
drugs with negotiated prices
incl. Ozempic & Wegovy
Source: CMS. 2027 Part B premium not yet announced.

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.

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

Carriers I shop for you

Top-rated plans from the names you trust.

UnitedHealthcare Mutual of Omaha Aetna Humana BlueCross BlueShield of North Carolina Alignment Health Plan

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 shoppingTop carriers in NC: UnitedHealthcare, Mutual of Omaha, Aetna, Humana, Alignment, BCBS NC. I compare them side by side.
  • ✓
    You pay the same priceCarrier rates are filed with the state. There's no markup for using an agent — my services cost you nothing.
  • ✓
    Plain-English explanationsNetworks, formularies, MOOPs, donut holes. I translate insurance into normal-people words.
  • ✓
    Service for lifeAEP 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.

Michael Cubell, Triangle Life and Health

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 Or call 919-689-6565

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

80+ five-star reviews on Google · Read more reviews →

What clients are saying

80+ five-star reviews on Google. Here's what families across the Triangle and beyond have said.

Frequently Asked Questions

Quick answers to the questions we hear most

What types of insurance does Triangle Life and Health offer?

We specialize in Medicare (Parts A, B, C, D, and Medigap), ACA Marketplace health insurance, term life insurance, and final expense (burial) insurance. We also offer dental insurance, hospital indemnity plans, and short-term medical coverage.

How is an independent insurance agent different from calling the carrier directly?

When you call a carrier directly, they can only show you their own plans. As an independent agent, we compare plans from multiple carriers, including UnitedHealthcare, Humana, Aetna, and Blue Cross NC, to find the right fit for your situation. Our service costs you nothing extra.

Do I need life insurance if I already have coverage through work?

Employer life insurance typically only covers 1–2× your salary and ends when you leave the job. A personal term life policy stays with you, can cover a much larger amount, and locks in your rate for the length of the term. We can help you figure out how much coverage makes sense.

What happens to my ACA health insurance when I turn 65?

Your Marketplace plan doesn't end automatically when you become eligible for Medicare. You need to cancel it yourself, and once you're eligible for premium-free Part A you generally can't keep getting premium tax credits for a Marketplace plan. We help you time the switch so there's no gap in coverage and you don't miss your Medicare enrollment window.

How do I get started?

Book a free 30-minute consultation by phone, video, or in person at our Raleigh office. We'll review your situation, compare your options, and give you a clear recommendation. No pressure, no obligation.

Book a Free Consultation

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 Call me directly: 919-689-6565 Mon–Fri 8am–5pm EST

Ready to talk? Get a free plan comparison.

Book a free call → or call 919-689-6565