Capper’s Insurance Service
Capper's Insurance Service is a privately held, independent insurance agency founded in 1932, based in Topeka, Kansas, that distributes Medicare, life, annuity, and supplemental health products to retirees and rural families across Kansas, Iowa, and Nebraska through field agents conducting in-home consultations.
- Company typePrivate
- Founded1932
- HeadquartersTopeka, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Capper’s Insurance Service does
Capper's Insurance Service, Inc. is a privately held, independent insurance agency founded in 1932 by Arthur Capper and headquartered in Topeka, Kansas. The firm distributes retirement-focused insurance products, primarily Medicare Supplement and Medicare Advantage plans, long-term and short-term care insurance, annuities, life insurance, and supplemental health products including cancer, heart, accident, disability, dental/vision/hearing, and prescription drug coverage. It serves Medicare-eligible retirees and rural American families across Kansas, Iowa, and Nebraska.
The business operates on a commission-based agency model, contracting with multiple insurance carriers — including Aetna, AIG, Allianz, Americo, Athene, Bankers Life, Cigna, Humana, Nationwide, Prudential, United Healthcare, and WellCare — to offer rate-competitive product selection. Distribution is conducted through locally embedded field agents who meet clients in their homes, supplemented by Medicare Annual Election Period events, educational seminars, customer appreciation events, and a website-driven scheduling funnel. The company also leverages an affiliated Ogden Publications marketing database of over 1 million paid readers across Capper's Farmer, Mother Earth News, Grit, and Farm Collector for top-of-funnel lead generation, and partners with Advisors Excel for competitive product access. The agency is supported by an 8,000+ policyholder base available for cross-sell and referrals.
Operationally, the company is small (11-50 employees), with a leadership team including Sales Manager Jordan Moubry, District Managers Doug Nyman and Mike Litke, and Office Manager Sandy Flowers, alongside additional field agents. There is no proprietary technology platform; the firm uses standard CRM and office productivity tooling. Pricing is quote-based and varies by individual health status, age, location, and coverage needs, with some Medicare Advantage plans offered at $0 premium. No revenue, funding, or institutional ownership information is publicly disclosed.
Capper’s Insurance Service firmographics
Firmographics- Name
- Capper’s Insurance Service
- Legal name
- Capper's Insurance Service, Inc.
- Website
- https://cappersinsurance.com
- Company type
- Private
- Founded year
- 1932
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capper's Insurance Service is a privately held, independent insurance agency founded in 1932, based in Topeka, Kansas, that distributes Medicare, life, annuity, and supplemental health products to retirees and rural families across Kansas, Iowa, and Nebraska through field agents conducting in-home consultations.
- Ownership category
- akta.pro rank
Capper’s Insurance Service industry classification
Industry- Product category
- Insurance Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Medicare Advantage (MA) Plans (FSAIAGAA), Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ), Standalone Critical Illness Insurance (FSAIAKAA), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)
Keywords
Where Capper’s Insurance Service is headquartered
LocationHeadquarters
- HQ city
- Topeka
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Capper’s Insurance Service business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Commissions: Earn commissions from multiple insurance carriers including Medicare Supplement, Medicare Advantage, Long-Term Care, Cancer/Heart/Critical Conditions, Accident/Disability, Dental/Vision/Hearing, Prescription Drug Plans, Annuities, and Life Insurance. Works with six major underwriting companies for Medicare Supplement plans specifically.
- Medicare Product Sales: Revenue generated from Medicare Advantage Plans and Medicare Supplement Plans sales, often with $0 premium options available. Commissions earned on prescription drug plans and other Medicare-related products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Medicare Supplement Plans with competitive rates from six major underwriting carriers |
| Other | Monthly | Medicare Advantage Plans with potential $0 premium options |
| Other | Monthly | Long-Term Care and Short-Term Care Insurance |
| Other | Annual | Annuity Products with competitive S&P 'A' rated carrier |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Capper’s Insurance Service product offering
Product offeringCore offering
Capper's Insurance Service is an independent insurance agency that sells Medicare Supplement and Advantage Plans, Long-Term and Short-Term Care Insurance, Cancer/Heart/Critical Conditions Insurance, Accident/Disability Insurance, Dental/Vision/Hearing Insurance, Prescription Drug Plans, Annuities, and Life Insurance. The agency serves Medicare-eligible individuals and retirees across Kansas, Iowa, and Nebraska through field agents who provide in-home consultations and personalized retirement planning.
Product overview
Capper's Insurance Service is an insurance agency offering a comprehensive portfolio of health and financial insurance products. The core offerings include Medicare Supplement Plans, Medicare Advantage Plans, Long-Term and Short-Term Care Insurance, Cancer/Heart Attack/Critical Conditions Insurance, Accident/Disability Insurance, Dental/Vision/Hearing Insurance, Prescription Drug Plans, Annuities, and Life Insurance. These products are designed to help individuals and families pursue their ideal retirements by providing tailored coverage and financial strategies.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Supplement Plans Medicare Supplement plans offered through six major underwriting companies to provide competitive rates and tailored coverage options for specific needs. Designed for Medicare-eligible individuals seeking supplemental coverage.
- Medicare Advantage Plans Medicare Advantage Plans with potential $0 premium options that may include additional coverage for prescription drugs, dental and vision. Helps clients determine qualification and expanded Medicare coverage.
- Long-Term Care Insurance Long-term care insurance with custom-designed strategies including home health care and assisted living benefits to fit various budgets.
- Short-Term Care Insurance Short-term care insurance providing an array of plans and benefits to fit needs and budget.
- Cancer, Heart Attack and Critical Conditions Insurance Policies providing lump sum benefits or cost coverage for cancer treatment, heart attack, stroke, and major organ transplants, coma, paralysis/blindness, Alzheimer's disease, deafness, diabetic amputation, or end-stage renal failure.
- Accident/Disability Insurance Accident policies paying specified benefits for injuries including bone fractures, burns, eye injuries, artificial limbs, physical therapy, hospital visits, intensive care, ambulance, and lodging.
- Dental, Vision and Hearing Insurance Coverage for dental, vision and hearing with some treatments covered from day one, including guarantee issue policies for cleanings, cavities, frames, lenses, and hearing aids.
- Prescription Drug Plans Prescription drug plans designed to find the best plan for individual lifestyle, location and budget.
- Annuities Annuity products with competitive rates from industry leaders, featuring S&P "A" rated carriers to help achieve financial goals.
- Life Insurance Multiple lines of life insurance including whole life, term life, and single premium whole life, plus burial insurance, designed to fit individual needs.
Quantifiable outcome
- Agents provide personalized retirement and health coverage strategies tailored to individual goals
Companies that use Capper’s Insurance Service
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Capper’s Insurance Service technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capper’s Insurance Service partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- AetnacoreInsurance carrier partner offering Medicare and other health insurance products through Capper's Insurance Service agency network.
- AIGcoreInsurance carrier partner providing various insurance products through the agency.
- AllianzcoreInsurance carrier partner offering annuity and life insurance products.
- AmericocoreMedicare and supplemental insurance carrier partner.
- AthenecoreAnnuity products carrier partner with competitive rate offerings.
- Bankers LifecoreMedicare and life insurance carrier partner focused on retirement solutions.
- CignacoreHealth insurance and Medicare carrier partner.
- HumanacoreMedicare Advantage and health insurance carrier partner.
- NationwidecoreInsurance carrier partner offering various coverage options.
- PrudentialcoreLife insurance and annuity carrier partner.
- United HealthcarecoreMedicare and health insurance carrier partner.
- WellCarecoreMedicare Advantage and Part D prescription drug plan carrier partner.
- Advisors ExcelcoreFinancial services company providing access to the most competitive annuities, life insurance, Medicare solutions, and wealth management products. Partners with Capper's Insurance Service to enhance product offerings and marketing capabilities.
- Ogden PublicationscoreParent company owning Capper's magazine brands including Capper's Farmer, Mother Earth News, Grit, Farm Collector. Provides marketing database of over 1 million paid readers and brand recognition for insurance marketing purposes. The company is located at Ogden Publications headquarters.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Capper’s Insurance Service competitors and assessment
Company assessmentDirect peers
- Country Financial: Midwest-focused insurance and financial services organization with field agents serving rural America across life, health, Medicare, and farm-related coverages. Closely comparable regional footprint (Midwest), rural customer segment, and agent-based distribution model.
- Bankers Life: Insurance carrier and field-agent distribution organization focused on Medicare Supplement, Medicare Advantage, annuities, and life insurance for the middle-income retiree market. Closely comparable in product mix, customer demographic, and agent-led in-home distribution model.
- SelectQuote: Direct-to-consumer insurance brokerage specializing in Medicare Supplement, Medicare Advantage, and life insurance distribution. Highly comparable to Capper's as both monetize Medicare-eligible shoppers via commission-based placement, though SelectQuote operates nationally via digital/telephonic channels rather than in-home field agents.
- GoHealth: Medicare-focused insurance marketplace enrolling beneficiaries in MA, Supplement, and PDP plans via a digital and agent-assisted model. Comparable product mix (Medicare-centric) and revenue model (carrier commissions), but operates at much larger national scale and is publicly traded.
- eHealth: Online health insurance marketplace offering Medicare, individual/family, and ancillary coverage from multiple carriers. Comparable as a multi-carrier Medicare broker, though eHealth is predominantly self-service digital while Capper's is field-agent driven.
Broad incumbents
- New York Life: Large mutual life insurer and annuity provider with a career-agent distribution system serving retirement and wealth-transfer clients. Comparable in life and annuity product focus plus career-agent distribution, but operates nationally as a carrier rather than as an independent broker.
- State Farm: Largest US property/casualty and life insurer with an exclusive agent model deeply embedded in rural and small-town America. Comparable in agent-led, locally-embedded distribution and rural customer base, though State Farm's primary focus is P&C and life rather than Medicare.
- Mutual of Omaha: Large multi-line insurer offering Medicare Supplement, life, annuities, and long-term care. Directly comparable products but operates as a carrier (underwrites risk) while Capper's distributes — Mutual of Omaha is also one of Capper's carrier partners, making it both competitor and supplier.
- Humana: Largest Medicare Advantage carrier and integrated health insurer with its own direct-to-consumer enrollment platform. Comparable as a Medicare-centric player but operates at vastly larger scale as a carrier and direct seller, partially overlapping with Capper's distribution business as a carrier partner.
Others
- Advisors Excel: Insurance Marketing Organization (IMO) providing independent insurance agents access to annuities, life insurance, Medicare, and wealth-management products from multiple carriers. Functions as Capper's strategic product/IMO partner but also serves overlapping independent agent networks — comparable as an ecosystem enabler rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Capper’s Insurance Service financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capper’s Insurance Service leadership team
Management profileNumber of profiles
Profiles9 records
Capper’s Insurance Service funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capper’s Insurance Service M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capper’s Insurance Service
What does Capper’s Insurance Service do?
Capper's Insurance Service is an independent insurance agency that sells Medicare Supplement and Advantage Plans, Long-Term and Short-Term Care Insurance, Cancer/Heart/Critical Conditions Insurance, Accident/Disability Insurance, Dental/Vision/Hearing Insurance, Prescription Drug Plans, Annuities, and Life Insurance. The agency serves Medicare-eligible individuals and retirees across Kansas, Iowa, and Nebraska through field agents who provide in-home consultations and personalized retirement planning.
Is Capper’s Insurance Service a public or private company?
Capper’s Insurance Service is a private company. It is classified as unknown and is currently operating.
When was Capper’s Insurance Service founded?
Capper’s Insurance Service was founded in 1932. It employs 1 to 10 people.
Where is Capper’s Insurance Service based?
Capper’s Insurance Service is headquartered in Topeka, United States, in the North America region.
How does Capper’s Insurance Service make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are medicare Product Sales.
Who are Capper’s Insurance Service's main competitors?
Direct peers on record are Country Financial, Bankers Life, SelectQuote, GoHealth and eHealth. Broad incumbents are New York Life, State Farm, Mutual of Omaha and Humana. Advisors Excel is listed as an others.
Does Capper’s Insurance Service have an API?
No public API is recorded for Capper’s Insurance Service.
What industry is Capper’s Insurance Service in?
Capper’s Insurance Service's product category is Insurance Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIAGAA, Medicare Advantage (MA) Plans. Its NAICS code is 5242 and its SIC code is 6411.