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CapitalCare

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uuid00231ts

Namestring
CapitalCare
Legal namestring
CapitalCare, Inc.
Websiteurl
capitalcareamerica.com
Company typeenum
Private
Founded yearint
1980
Descriptiontext

CapitalCare, Inc. is a privately held insurance marketing organization (IMO) founded in 1980 and headquartered in Big Lake, Minnesota. The company serves licensed insurance agents and financial advisors by providing access to a broad portfolio of annuity and life insurance products from 45+ insurance carrier partners. Its product offerings include Multi-Year Guarantee Annuities (MYGA), Traditional Annuities, Fixed Indexed Annuities (FIA), and life insurance products spanning term, whole life, premium finance, and advanced markets. CapitalCare's core technology consists of online product search and comparison tools that allow agents to compare annuity rates and features across its carrier partners, with integration to annuityratewatch.com. The company also provides case design support and product recommendations through its marketing staff.

CapitalCare operates as a B2B2C channel partner, with no direct consumer-facing presence. The company does not publish pricing or commission rates; all product placements are handled through direct agent contact on a case-by-case basis. Its go-to-market is entirely focused on providing licensed insurance agents with multi-carrier product access, competitive commissions, and case design assistance to help them serve their own clients. The business model is commission-based, with CapitalCare earning override commissions from insurance carriers when agents place business through its platform.

The company's value proposition centers on aggregation—giving independent agents a single point of access to 45+ carrier products—and on case design support from its marketing staff. There is no evidence of proprietary technology beyond comparison/rate search tools, no AI/ML capabilities, and no disclosed financial information.

Short descriptiontext

CapitalCare, Inc. is a privately held insurance marketing organization founded in 1980 that supports licensed insurance agents and financial advisors with case design, product comparisons, and access to annuity and life insurance products from 45+ carrier partners.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersBig Lake, United States
HQ citystring
Big Lake
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
insurance marketing organization, annuity distribution services, life insurance brokerage, agent contracting services, annuity product search
Industry1 code
1Retail (Personal Lines) Insurance Brokerage
CodeFSAEADAAPrimaryYes
NAICS code1 code
  • Insurance Agencies and Brokerages52421
SIC code1 code
  • Insurance Agents, Brokers & Service6411
Product category
Insurance Marketing and Annuity Distribution Services
Social media profiles1 record
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Insurance Commissions
TypeAffiliate Referral
Description

CapitalCare earns commissions from insurance carriers when agents place business through their platform. The company serves as a marketing organization providing case design and product recommendations to agents while earning competitive commissions from carriers.

capitalcareamerica.com
Marketing channels1 record

Each record includes

Title, Type, Stage, Description, Source

Distribution channels1 record

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Personnel, Operations, Marketing or Sales, Technology or R&D
GTM typeB2B
B2B
Offering typeServices
Services
Core offering1 text field

CapitalCare, Inc. is an insurance marketing organization that supports licensed insurance agents and financial advisors with case design, unbiased product recommendations, and competitive commissions. The company provides agents with access to over 45 insurance carrier partners through dedicated online product search tools for MYGA, Traditional, and FIA annuities, and also offers life insurance products including term, whole life, premium finance, and advanced markets.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

CapitalCare is an annuity and life insurance marketing organization founded in 1980 that operates through a network of over 45 carrier companies. The company offers four core product lines: MYGA Annuities (Multi-Year Guarantee Annuities), Traditional Annuities (Fixed Indexed Annuities), FIA Annuities (Fixed Index Annuities), and Life Insurance Products. CapitalCare provides agents with online product search tools for each annuity category, enabling them to compare rates and features, along with case design support and competitive commissions.

Product and service4 records
1MYGA Annuities
CategoryAnnuity Distribution Services
Description

Multi-Year Guarantee Annuity product search tool that enables licensed insurance agents to compare MYGA products, rates, and product features based on client search criteria in an easy-to-read comparison format.

2Traditional Annuities
CategoryAnnuity Distribution Services
Description

Online search tool for traditional (fixed indexed) annuity products that provides agents with rates and features comparison to identify suitable products for their clients.

3FIA Annuities
CategoryAnnuity Distribution Services
Description

Online search program for Fixed Index Annuities that lets agents compare FIA products across carrier partners to find the best fit for their clients' retirement and income needs.

4Life Insurance Products
CategoryLife Insurance Distribution Services
Description

Life insurance products and services spanning term life, whole life, premium finance, and advanced markets, with quoting and case-shopping support from a dedicated team of life insurance specialists for agents and their clients.

Scale indicator2 records

Each record includes

Type, Value, Description, Source

Partnership1 partner
1Insurance Carrier Partners (45+ companies)
Strategic tierCoreTypeOthersAnnounced on1980-01-01
Description

CapitalCare maintains relationships with over 45 insurance carrier companies, providing access to diverse annuity products (MYGA, Traditional, FIA) and life insurance products ranging from term and whole life to premium finance and advanced markets. These carrier partnerships form the foundation of the product offerings available to agents.

capitalcareamerica.com
Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1Brighthouse Financial
TypeBroad incumbent
Description

Brighthouse Financial is a large annuity and life insurance carrier serving advisors and consumers; operates as a competing product source against the carriers CapitalCare distributes.

2CANNEX Financial Exchanges
TypeDirect peer
Description

CANNEX operates annuity rate search and comparison tools for advisors and consumers in the same product categories CapitalCare supports (MYGA, FIA, Traditional), competing for the agent-tooling workflow.

3Policygenius
TypeEmerging player
Description

Policygenius is a digital insurance comparison and distribution marketplace covering life insurance and adjacent lines; an emerging digital-native competitor targeting the same end consumer and advisor workflows as CapitalCare's online search tools.

4Athene Holding
TypeBroad incumbent
Description

Athene is one of the largest U.S. fixed and fixed-indexed annuity carriers and a major source of FIA/MYGA products; competes as a carrier incumbent against the rest of CapitalCare's carrier shelf.

5RetireOne
TypeDirect peer
Description

RetireOne is an online annuity distribution platform with carrier relationships across multiple fixed annuity products, competing in the same agent-channel annuity placement space CapitalCare occupies.

6F&G (Fidelity & Guaranty Life Insurance)
TypeBroad incumbent
Description

F&G is a sizable annuity and life insurance carrier offering indexed annuities, FIA, and life products directly and through IMOs; directly relevant as both a potential partner and competitor in CapitalCare's core categories.

7Blueprint Income
TypeDirect peer
Description

Blueprint Income is a digital annuity distribution and comparison platform; it overlaps directly with CapitalCare's MYGA/FIA search tools while serving agents and consumers through a more modern tech stack.

8Senior Market Sales
TypeDirect peer
Description

Senior Market Sales is an established insurance marketing organization (FMO/IMO) distributing life insurance, annuities, and adjacent retirement products to agents across the U.S. — directly comparable to CapitalCare's IMO business model and product mix.

9Corebridge Financial
TypeBroad incumbent
Description

Corebridge Financial is a major U.S. life and retirement carrier offering individual annuities, group retirement, and life insurance products, overlapping with CapitalCare's distribution categories at a much larger scale.

10Symetra Financial Corporation
TypeBroad incumbent
Description

Symetra is a major U.S. life insurance and annuity carrier (annuities, life, retirement) that CapitalCare distributes through; as one of the 45+ carriers on CapitalCare's shelf, it also competes as a broader incumbent in the same product categories.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment1 record

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature3 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

CapitalCare

Insurance Marketing and Annuity Distribution Servicescapitalcareamerica.com

CapitalCare, Inc. is a privately held insurance marketing organization founded in 1980 that supports licensed insurance agents and financial advisors with case design, product comparisons, and access to annuity and life insurance products from 45+ carrier partners.

What CapitalCare does

CapitalCare, Inc. is a privately held insurance marketing organization (IMO) founded in 1980 and headquartered in Big Lake, Minnesota. The company serves licensed insurance agents and financial advisors by providing access to a broad portfolio of annuity and life insurance products from 45+ insurance carrier partners. Its product offerings include Multi-Year Guarantee Annuities (MYGA), Traditional Annuities, Fixed Indexed Annuities (FIA), and life insurance products spanning term, whole life, premium finance, and advanced markets. CapitalCare's core technology consists of online product search and comparison tools that allow agents to compare annuity rates and features across its carrier partners, with integration to annuityratewatch.com. The company also provides case design support and product recommendations through its marketing staff.

CapitalCare operates as a B2B2C channel partner, with no direct consumer-facing presence. The company does not publish pricing or commission rates; all product placements are handled through direct agent contact on a case-by-case basis. Its go-to-market is entirely focused on providing licensed insurance agents with multi-carrier product access, competitive commissions, and case design assistance to help them serve their own clients. The business model is commission-based, with CapitalCare earning override commissions from insurance carriers when agents place business through its platform.

The company's value proposition centers on aggregation—giving independent agents a single point of access to 45+ carrier products—and on case design support from its marketing staff. There is no evidence of proprietary technology beyond comparison/rate search tools, no AI/ML capabilities, and no disclosed financial information.

CapitalCare firmographics

Firmographics
Name
CapitalCare
Legal name
CapitalCare, Inc.
Website
https://capitalcareamerica.com
Company type
Private
Founded year
1980
Operating status
Operating
Headcount range
1–10 employees
Short description
CapitalCare, Inc. is a privately held insurance marketing organization founded in 1980 that supports licensed insurance agents and financial advisors with case design, product comparisons, and access to annuity and life insurance products from 45+ carrier partners.
Ownership category
akta.pro rank

CapitalCare industry classification

Industry
Product category
Insurance Marketing and Annuity Distribution Services
NAICS
Insurance Agencies and Brokerages (52421)
SIC
Insurance Agents, Brokers & Service (6411)
akta.pro primary industry
Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

  • Insurance marketing organization
  • Annuity distribution services
  • Life insurance brokerage
  • Agent contracting services
  • Annuity product search

Where CapitalCare is headquartered

Location

Headquarters

HQ city
Big Lake
HQ country
United States
HQ region
North America

Offices1 record

Markets served

CapitalCare business model

Business model
GTM type
B2B
Offering type
Services
Cost components
Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

  1. Insurance Commissions: CapitalCare earns commissions from insurance carriers when agents place business through their platform. The company serves as a marketing organization providing case design and product recommendations to agents while earning competitive commissions from carriers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

CapitalCare product offering

Product offering

Core offering

CapitalCare, Inc. is an insurance marketing organization that supports licensed insurance agents and financial advisors with case design, unbiased product recommendations, and competitive commissions. The company provides agents with access to over 45 insurance carrier partners through dedicated online product search tools for MYGA, Traditional, and FIA annuities, and also offers life insurance products including term, whole life, premium finance, and advanced markets.

Product overview

CapitalCare is an annuity and life insurance marketing organization founded in 1980 that operates through a network of over 45 carrier companies. The company offers four core product lines: MYGA Annuities (Multi-Year Guarantee Annuities), Traditional Annuities (Fixed Indexed Annuities), FIA Annuities (Fixed Index Annuities), and Life Insurance Products. CapitalCare provides agents with online product search tools for each annuity category, enabling them to compare rates and features, along with case design support and competitive commissions.

Differentiator

Problem solved

Functional benefit

Products and services

  • MYGA Annuities Multi-Year Guarantee Annuity product search tool that enables licensed insurance agents to compare MYGA products, rates, and product features based on client search criteria in an easy-to-read comparison format.
  • Traditional Annuities Online search tool for traditional (fixed indexed) annuity products that provides agents with rates and features comparison to identify suitable products for their clients.
  • FIA Annuities Online search program for Fixed Index Annuities that lets agents compare FIA products across carrier partners to find the best fit for their clients' retirement and income needs.
  • Life Insurance Products Life insurance products and services spanning term life, whole life, premium finance, and advanced markets, with quoting and case-shopping support from a dedicated team of life insurance specialists for agents and their clients.

Companies that use CapitalCare

Customer profile

Segments1 record

Ideal customer profiles1 record

CapitalCare technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

CapitalCare partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

  • Insurance Carrier Partners (45+ companies)coreOthers · 1 January 1980CapitalCare maintains relationships with over 45 insurance carrier companies, providing access to diverse annuity products (MYGA, Traditional, FIA) and life insurance products ranging from term and whole life to premium finance and advanced markets. These carrier partnerships form the foundation of the product offerings available to agents.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

CapitalCare competitors and assessment

Company assessment

Broad incumbents

  • Brighthouse Financial: Brighthouse Financial is a large annuity and life insurance carrier serving advisors and consumers; operates as a competing product source against the carriers CapitalCare distributes.
  • Athene Holding: Athene is one of the largest U.S. fixed and fixed-indexed annuity carriers and a major source of FIA/MYGA products; competes as a carrier incumbent against the rest of CapitalCare's carrier shelf.
  • F&G (Fidelity & Guaranty Life Insurance): F&G is a sizable annuity and life insurance carrier offering indexed annuities, FIA, and life products directly and through IMOs; directly relevant as both a potential partner and competitor in CapitalCare's core categories.
  • Corebridge Financial: Corebridge Financial is a major U.S. life and retirement carrier offering individual annuities, group retirement, and life insurance products, overlapping with CapitalCare's distribution categories at a much larger scale.
  • Symetra Financial Corporation: Symetra is a major U.S. life insurance and annuity carrier (annuities, life, retirement) that CapitalCare distributes through; as one of the 45+ carriers on CapitalCare's shelf, it also competes as a broader incumbent in the same product categories.

Direct peers

  • CANNEX Financial Exchanges: CANNEX operates annuity rate search and comparison tools for advisors and consumers in the same product categories CapitalCare supports (MYGA, FIA, Traditional), competing for the agent-tooling workflow.
  • RetireOne: RetireOne is an online annuity distribution platform with carrier relationships across multiple fixed annuity products, competing in the same agent-channel annuity placement space CapitalCare occupies.
  • Blueprint Income: Blueprint Income is a digital annuity distribution and comparison platform; it overlaps directly with CapitalCare's MYGA/FIA search tools while serving agents and consumers through a more modern tech stack.
  • Senior Market Sales: Senior Market Sales is an established insurance marketing organization (FMO/IMO) distributing life insurance, annuities, and adjacent retirement products to agents across the U.S. — directly comparable to CapitalCare's IMO business model and product mix.

Emerging players

  • Policygenius: Policygenius is a digital insurance comparison and distribution marketplace covering life insurance and adjacent lines; an emerging digital-native competitor targeting the same end consumer and advisor workflows as CapitalCare's online search tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

CapitalCare social profiles

Digital presence

CapitalCare financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CapitalCare leadership team

Management profile

Number of profiles

CapitalCare funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CapitalCare M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CapitalCare

What does CapitalCare do?

CapitalCare, Inc. is an insurance marketing organization that supports licensed insurance agents and financial advisors with case design, unbiased product recommendations, and competitive commissions. The company provides agents with access to over 45 insurance carrier partners through dedicated online product search tools for MYGA, Traditional, and FIA annuities, and also offers life insurance products including term, whole life, premium finance, and advanced markets.

Is CapitalCare a public or private company?

CapitalCare is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was CapitalCare founded?

CapitalCare was founded in 1980. It employs 1 to 10 people.

Where is CapitalCare based?

CapitalCare is headquartered in Big Lake, United States, in the North America region.

How does CapitalCare make money?

One revenue line is on record: insurance Commissions.

Who are CapitalCare's main competitors?

Broad incumbents on record are Brighthouse Financial, Athene Holding, F&G (Fidelity & Guaranty Life Insurance), Corebridge Financial and Symetra Financial Corporation. Direct peers are CANNEX Financial Exchanges, RetireOne, Blueprint Income and Senior Market Sales. Policygenius is listed as an emerging player.

Does CapitalCare have an API?

No public API is recorded for CapitalCare.

What industry is CapitalCare in?

CapitalCare's product category is Insurance Marketing and Annuity Distribution Services. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 52421 and its SIC code is 6411.

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