CapitalCare
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.
- Company typePrivate
- Founded1980
- HeadquartersBig Lake, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
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
Where CapitalCare is headquartered
LocationHeadquarters
- 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
- 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 offeringCore 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 profileSegments1 record
Ideal customer profiles1 record
CapitalCare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CapitalCare partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Insurance Carrier Partners (45+ companies)coreCapitalCare 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 assessmentBroad 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 presenceCapitalCare financial estimates
Financial estimateRevenue estimate
Valuation estimate
CapitalCare leadership team
Management profileNumber of profiles
CapitalCare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CapitalCare 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 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.