---
title: About Michael Cubell | Independent Raleigh NC Insurance Agent
description: Meet Michael Cubell — a licensed insurance agent since 2013, nearly 30 years in Raleigh. Independent ACA, Medicare, and life insurance expert serving the Triangle.
---

[Skip to the main content.](https://trianglelifeandhealth.com/about-triangle-life-and-health#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?hsLang=en)

[![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?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)

[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/about-triangle-life-and-health#0) [Linkedin](https://trianglelifeandhealth.com/about-triangle-life-and-health#0)

Independent insurance agent · Raleigh, NC

# Meet Michael Cubell. Your Raleigh insurance ally since 2013.

No call centers. No carrier loyalty. Just clear answers, side-by-side comparisons, and the same agent on the line every time you call.

[📅 Book a free 30-min call](https://trianglelifeandhealth.com/calendar?hsLang=en) [📞 (919) 689-6565](tel:+19196896565)

![Michael Cubell, Independent Insurance Agent at Triangle Life and Health, Raleigh NC](https://trianglelifeandhealth.com/hubfs/Web-14505--2048x1365-1.png)

2013

Licensed since

~30

Years in Raleigh

15

States licensed in

75+

Five-star reviews

## Why I started Triangle Life and Health

I watched my grandmother spend hours on the phone 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 a licensed insurance agent since 2013 and I've called Raleigh home for nearly 30 years. Working in this industry, I know exactly what frustrates people about it — the hold music, the pressure tactics, the agent who's *really* only contracted with one carrier and pretends they're "shopping for you."

Triangle Life and Health is the alternative. I'm **independent** — meaning 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. I'm **local** — my office is on Six Forks Road in North Raleigh, not a tower in another time zone. And I'm **here for the long haul** — when you have a question after enrollment, you call me. The same me. Not a call center.

If that sounds like the kind of help you've been looking for, [grab a free 30-minute slot on my calendar](https://trianglelifeandhealth.com/calendar?hsLang=en) or call me directly at [(919) 689-6565](tel:+19196896565). No commitment. No pressure. Just a conversation.

## What you get when you work with me

🤝

### Truly independent

I'm contracted with every major carrier in North Carolina — Aetna, Anthem, Blue Cross, Cigna, Humana, Mutual of Omaha, UnitedHealthcare, and more. Same plan, same price, plus an actual human in your corner.

📍

### Raleigh local

My office is on Six Forks Road. I've lived in the Triangle for nearly three decades and I know the carriers, networks, and provider footprints across Raleigh, Cary, Durham, Chapel Hill, Apex, Wake Forest, and the surrounding counties.

📞

### One agent, every call

Question about a denied claim three years from now? You call me. The same number, the same voice, the same person who set up the policy. That's the part that's missing almost everywhere else.

## Credentials & licensing

Triangle Life and Health is a licensed independent insurance agency. Michael Cubell, principal agent, is appointed and contracted with the carriers below and licensed across 15 states.

✓

AHIP-certified

America's Health Insurance Plans Medicare certification, renewed annually.

✓

FFM-certified

Federally Facilitated Marketplace certification for ACA health insurance enrollment.

✓

Anti-Money Laundering certified

Federal AML/OFAC compliance training, renewed annually.

✓

Health, Life & Annuity licensed

North Carolina + 12 additional states.

✓

Marketplace-certified

CMS-certified to enroll consumers on the federal ACA Marketplace.

✓

A+ rating — carrier appointments

Contracted with A and A+ rated carriers (AM Best) including Aetna, Anthem, Blue Cross NC, Cigna, Humana, Mutual of Omaha, UnitedHealthcare, Wellcare, and more.

✓

Member, NAIFA

National Association of Insurance & Financial Advisors.

## What I help with

Click any product to see plan options, eligibility, and what to expect.

### [Medicare Parts A, B, C (Advantage), D (drug plans), and Medigap supplements. AEP, IEP, SEP — I'll walk you through every window. Explore Medicare →](https://trianglelifeandhealth.com/medicare-overview?hsLang=en)

### [ACA Health Insurance Marketplace plans, premium tax credits, cost-sharing reductions. Most NC households qualify for help — we'll check. Explore ACA →](https://trianglelifeandhealth.com/north-carolina-aca-health-insurance?hsLang=en)

### [Term Life Insurance 10, 20, and 30-year term policies from top carriers. No-exam options available for most ages. Explore Term Life →](https://trianglelifeandhealth.com/term-life-insurance?hsLang=en)

### [Final Expense / Burial Whole life policies $5K–$25K. Simplified-issue and guaranteed-acceptance options for ages 50–85. Explore Final Expense →](https://trianglelifeandhealth.com/burial-insurance-final-expense-coverage-in-north-carolina?hsLang=en)

### [Dental Insurance Stand-alone dental plans starting under $30/month. Cleanings, fillings, crowns, and major work covered. Explore Dental →](https://trianglelifeandhealth.com/dental-insurance?hsLang=en)

### [Hospital Indemnity Cash benefits for hospital stays. Pairs perfectly with Medicare or ACA for extra protection. Explore Hospital Indemnity →](https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans?hsLang=en)

## Let's figure this out together.

Free 30-minute call. No pressure, no pitch — just straight answers about your options. If we're a good fit, great. If not, you'll leave the call knowing more than when you started.

[📅 Book a free 30-min call](https://trianglelifeandhealth.com/calendar?hsLang=en) [📞 (919) 689-6565](tel:+19196896565)

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

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