Independent Insurance Agents · Sarasota, Florida

Protecting the life you’ve built.

Capstan Insurance is an independent, partner-owned agency. We compare life, disability, and retirement-protection coverage from A-rated insurance carriers, and build the plan around your life, not a sales quota.

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Independent: we work for you Experienced agents A-rated insurance companies
A young family walking together at the edge of a bright beach

A sampling of the insurance companies we shop for you

ALLIANZAMERICAN NATIONALAMERICOAMERITASASSURITYAUGUSTAR LIFECINCINNATI LIFECOLUMBUS LIFECOREBRIDGE FINANCIALEQUITABLEFIDELITY & GUARANTYFIDELITY LIFEFORESTERSGBUGERBER LIFEGLOBAL ATLANTICILLINOIS MUTUALJOHN HANCOCKLAFAYETTE LIFELEGAL & GENERALLINCOLN FINANCIALLLOYD’S OF LONDONMASSMUTUALALLIANZAMERICAN NATIONALAMERICOAMERITASASSURITYAUGUSTAR LIFECINCINNATI LIFECOLUMBUS LIFECOREBRIDGE FINANCIALEQUITABLEFIDELITY & GUARANTYFIDELITY LIFEFORESTERSGBUGERBER LIFEGLOBAL ATLANTICILLINOIS MUTUALJOHN HANCOCKLAFAYETTE LIFELEGAL & GENERALLINCOLN FINANCIALLLOYD’S OF LONDONMASSMUTUAL
MUTUAL OF OMAHAMUTUAL TRUST LIFENATIONAL GUARDIAN LIFENATIONAL LIFE GROUPNATIONAL WESTERN LIFENATIONWIDENEW YORK LIFENORTH AMERICANONEAMERICAPACIFIC LIFEPENN MUTUALPRINCIPALPROTECTIVEPRUDENTIALSBLISECURIANSECURITY MUTUALSYMETRATHE STANDARDTHRIVENTTRANSAMERICAUNITED LIFEUNUMMUTUAL OF OMAHAMUTUAL TRUST LIFENATIONAL GUARDIAN LIFENATIONAL LIFE GROUPNATIONAL WESTERN LIFENATIONWIDENEW YORK LIFENORTH AMERICANONEAMERICAPACIFIC LIFEPENN MUTUALPRINCIPALPROTECTIVEPRUDENTIALSBLISECURIANSECURITY MUTUALSYMETRATHE STANDARDTHRIVENTTRANSAMERICAUNITED LIFEUNUM

What we cover

Four ways to protect what matters

Term Life

Affordable protection for the years your family relies on your income most.

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Permanent Life

Lifelong coverage that builds cash value your family can count on.

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Disability Income

If illness or injury stops your paycheck, this coverage keeps it going.

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Retirement & Tax Strategy

Reposition IRA and retirement assets so you keep more of every withdrawal.

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Interactive · 30 seconds

How much coverage would your family need?

Move the sliders. The estimate updates as you go. Then a licensed agent refines it with you, company by company.

Educational estimate only. Not a quote or an offer of coverage.

Your age45
Annual income$85,000
Mortgage & debts$250,000
Children at home2
Suggested coverage range$1.2M – $1.5M
Review it with an agent

Why independent matters

We answer to you, not an insurance company

One conversation, many insurance companies

A captive agent sells one company’s products. We compare the market and show you the trade-offs in plain language.

Advice, not quotas

Partner-owned and fully independent. If the right answer is a smaller policy, or none at all, that’s what we’ll tell you.

A relationship, not a transaction

Coverage gets reviewed as your life changes (new home, new child, new business) so it never quietly goes stale.

How it works

Four steps, no pressure

A real conversation

A real conversation about your goals, your people, and what keeps you up at night. No forms necessary.

Analysis

We map your coverage gaps and compare options across A-rated insurance companies.

Tailored options

Two or three clear paths, with the trade-offs of each in plain language.

Ongoing review

Life changes. We check in and keep your coverage current, year after year.

Aerial view of the Florida Gulf coastline

Where we work

Florida is home, not a boundary

We began on Florida’s Gulf Coast, and it remains our home. Today we work with individuals, families, and business owners in Florida and across other states. Wherever you are, when you reach our Sarasota office you are working with a team that takes the time to understand your situation and gives clear, considered advice.

242 S Washington Blvd · Sarasota, FL 34236