Navigate Medicare & Life Insurance
with Confidence

Independent agent serving families across North Carolina and 12 additional states. We shop the entire market to find coverage that fits your needs and budget.

⭐⭐⭐⭐⭐ 77+ Five-Star Google Reviews · 13+ Years Experience · Licensed in 13 States

How We Can Help You

As an independent insurance agency, we work for you — not one insurance company. We compare plans across top carriers to find your perfect fit.

Trusted Carriers We Work With

UnitedHealthcare  ·  Aetna  ·  Humana  ·  Blue Cross NC  ·  Mutual of Omaha  ·  Alignment Health Plan

75+

Five-Star Reviews

13+

Years Experience

13

States Licensed

100%

Client Dedication

Why Choose an Independent Agent?

Captive agents sell one company’s products. We shop the entire market to find your best option.

Unbiased Advice

Not tied to any one carrier. We compare from UnitedHealthcare, Aetna, Humana, Mutual of Omaha, Blue Cross NC, and more.

No Extra Cost

Our services are free to you. We're compensated by carriers, so you pay the same premium with or without an agent.

Personal Support

You get a real person — not a call center. We're here year-round for claims, plan changes, and questions.

Local & National

Based in Raleigh, NC and licensed in 13 states. Whether you're local or across the country, we can help.

1

Schedule a Call

Book a free, no-obligation consultation. Phone, Zoom, or in-person — whatever works for you.

2

We Compare Plans

We analyze your needs, medications, doctors, and budget — then compare plans across multiple carriers.

3

Enroll with Confidence

We handle the paperwork and walk you through every step. Plus, we’re here all year for ongoing support.

What Our Clients Say

“Mike went above and beyond to help me with my Medicare enrollment. He took the time to explain every option, helped me compare plans, and even followed up to make sure my medications were covered. I couldn’t have navigated this without him!”

— Anise H. · Google Review ⭐⭐⭐⭐⭐

“Mike made what felt like an overwhelming process so simple. He found us a Medicare Advantage plan that saved us over $200/month on prescriptions. He truly cares about his clients.”

— David R. · Google Review ⭐⭐⭐⭐⭐

“I was turning 65 and had no idea where to start with Medicare. Mike walked me through every option, answered all my questions, and never rushed me. I recommend him to everyone I know.”

— Patricia M. · Google Review ⭐⭐⭐⭐⭐

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Sarah Barker
1 week ago
I am so grateful to Michael for his help. I retired, but still have 3 years before hitting Medicare. My Cobra payment was in the thousands. Michael walked me through every step to choose a plan that saves me considerable money. I also really appreciate his support and encouragement through the maze that is the ACA!
Response from the owner:Thank you, Sarah, for sharing your kind feedback. We’re thrilled Michael was able to guide you through the ACA process and help you find a plan that significantly lowered your costs during your COBRA period. Please reach out anytime if you need further assistance as you approach Medicare.
When we had questions about our daughter's health insurance, we were referred to Triangle Life and Health by a family member . None of us knew where to start and Mike immediately created a pathway to get her where she needed to be. He made us feel like she was his most important client. We're so grateful for his guidance. I would highly recommend Mike and Triangle Life and Health!
Response from the owner:Thank you, Letitia — we appreciate you taking the time to share your experience. We're so glad Mike could guide your family and make your daughter feel like a priority. We'll share your kind words with him and the team, and we're always here if you need anything else.
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Eric Franke
3 weeks ago
Michael Cubell of Triangle Life and Health provided me with an excellent experience in obtaining my Medicare. He spent the time explaining everything I needed to know to make the choices that I needed to make. I highly recommend him as an independent agent.
Response from the owner:Thank you, Eric, for the wonderful review and recommendation. We're glad Michael provided an excellent experience and took the time to explain everything so you could make informed choices. He’ll be pleased to hear your kind words. We appreciate you trusting Triangle Life and Health with your Medicare needs.
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Lisa Swank
2 months ago
Finding the right Medicare coverage can be overwhelming, but Michael (Cubell) made the entire process so easy. He was a lifesaver when it came to finding the best Medicare Supplement company for me. As a bonus, he took the extra time to help me discover a new dental plan that suits my needs perfectly. I am so thankful for his expertise and highly recommend his services."
Response from the owner:Thank you, Lisa. We’re so glad Michael Cubell could make the Medicare and dental plan process easy for you. We appreciate your recommendation and are pleased he found the right Medicare Supplement and dental coverage to meet your needs. If you or anyone you refer needs assistance in the future, we’re here to help.
Michael was so helpful and gave the best advise in selecting a plan for me, my employee and my mother. I was lost in the endless details and he helped all of us sift through them. Thank you!!!
Response from the owner:I'm truly grateful for your kind words, Gina! It was my pleasure assisting you, your employee, and your mother in navigating through the complexities and finding the best plan for your needs. Thank you for trusting me to guide you through the process! All The Best, Michael
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Alita
5 months ago
Mike is personable, knowledgeable. Goes above and beyond. Really cares and goes out of his way to be helpful.
Response from the owner:Thank you, Alita! We're so glad to hear Mike was personable, knowledgeable, and went above and beyond to help. We'll be sure to pass your kind words along to him. We appreciate you taking the time to share your experience and look forward to helping you again.
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Donna Lacertosa
5 months ago
Very professional and knowledgeable, of all the different options for Insurance that are offered. Michael Cubell Has always been available for me if I had any questions Or issues, I would highly recommend Triage, life, and health.
Response from the owner:Thank you for the wonderful review, Donna. We’re glad Michael Cubell has been professional, knowledgeable, and available when you needed him, and we truly appreciate your recommendation of Triage Life and Health. We look forward to continuing to support your insurance needs—please reach out anytime.
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Dan Herod
5 months ago
Michael worked very hard and answered a multitude of questions as my wife and I navigated getting healthcare coverage here in NC. We moved from Colorado last year and there was a lot to go through. Michael helped us every step of the way and was incredibly responsive. He's great!
Response from the owner:Thank you for the wonderful 5-star review, Dan. We’re thrilled Michael could guide you and your wife through the move from Colorado and make securing healthcare coverage in North Carolina easier. He will be pleased to hear your kind words. Please don’t hesitate to reach out if you need anything further.
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Anise Herod
5 months ago
Michael has gone ABOVE AND BEYOND any service I have ever received. My husband and I are new to NC, and Michael helped us to each find the best coverage since our medical needs differ. I was taking a fairly expensive medication, and Michael provided me several options of coverage from which to choose. After all his/our time and trouble, my medical provider changed my medication to something much different and much, much more costly. Michael was by my side--hosting conference calls with Medicare and also with the insurance provider. He knew of, and assisted with, how I could apply to make monthly payments instead of a single enormous payment. He didn't just write the policy and politely leave the scene. I cannot say enough about him. His personality and caring shines! Thanks, Michael!!!!
Response from the owner:Thank you for your wonderful review, Anise. We're thrilled Michael went above and beyond helping you and your husband find the right coverage after your move to North Carolina. We're especially glad he stayed involved when your prescription changed, hosting conference calls and arranging a monthly payment option to ease the cost. We will share your praise with Michael; his caring, proactive approach is exactly what we strive to provide.
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John Joyner
7 months ago
Mr Mike was very helpful and patient throughout the whole process he was such a great help and answered every question, he truly went out his way to get me the best dental coverage and I was very pleased if anyone is in need of insurance needs and need some assistance I truly recommend Mr. Mike. Whether it’s health dental vision etc he will get you squared away.
Response from the owner:Thank you, John, for the glowing review. We're thrilled Mike was helpful, patient, and answered every question to get you the best coverage. We appreciate your recommendation and are glad you're pleased. We'll be sure to pass your kind words along to Mike.

Ready to Find the Right Coverage?

Schedule a free, no-obligation consultation today. We’ll help you understand your options and find a plan that fits your needs and budget.

Senior Benefits Hub is a service of Triangle Life & Health®

Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800 MEDICARE (24 hours a day/7 days a week) to get information on all of your options. Not affiliated with the U.S. government or federal Medicare program. This is a solicitation for Insurance. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Triangle Life and Health is licensed in the following states:
AR LIC #3001749169 | AZ LIC #3000715968 | FL LIC #L110099 | GA LIC #216953 | LA LIC #1045542 | MD LIC #3000702723 | MO LIC #3001760254 | NC LIC #1000466684 | OH LIC #1315974 | SC LIC #3000934918 | TN LIC #3001749153 | TX LIC #2564289 | VA LIC #149038