INDEPENDENT INSURANCE AGENT  ·  SERVING THE TRIANGLE SINCE 2012

Insurance shouldn't feel
like a maze.

 

I'm Mike Cubell. For the last 13 years I've helped families and seniors across North Carolina — and 12 other states — figure out Medicare, ACA health plans, and life insurance without the runaround. No call centers. No quotas. Just one agent who answers his own phone.

 

Insurance shouldn't feel like a maze.

I'm Mike Cubell. 13 years helping NC families with Medicare, ACA, and life insurance — no call centers, no runaround.

Licensed in 13 states  ·  AHIP & AML certified  ·  📞 Or call me directly: (919) 679-9719

YEARS

13

Licensed insurance agent in NC

STATES

13

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 15-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.

1

Free 15-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.

~15 min
2

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
3

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 for 13 years 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.

13 years licensed AHIP certified AML certified Licensed in 13 states Raleigh resident since '96
Book a free 15-min call Or call 919-676-9719

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 HerodMedicare client · Raleigh, NC
Book your free call

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

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.

15 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 15-min call online Pick a time on my calendar Call me directly: 919-676-9719 Mon–Fri 8am–5pm EST