# Triangle Life and Health

> Independent insurance agency in Raleigh, NC specializing in Medicare, ACA Health Insurance, and Life Insurance. Licensed agent Michael Cubell shops across multiple carriers to find the best coverage for each client's unique situation.

## About

Triangle Life and Health is an independent insurance brokerage owned by Michael Cubell, serving North Carolina's Triangle region and 12 additional states. Founded on the principle that insurance should be personalized — not one-size-fits-all — the agency compares plans across top carriers including UnitedHealthcare, Mutual of Omaha, Aetna, Humana, Alignment Health Plan, and Blue Cross NC.

Michael Cubell has been a licensed insurance agent since 2012, holding AHIP (Medicare Advantage), FFM (ACA Marketplace), and AML (life insurance) certifications. He is currently licensed in 13 states: AR, AZ, FL, GA, LA, MD, MO, NC, OH, SC, TN, TX, and VA.

The agency maintains a 5-star Google rating and serves families across the Triangle and nationally.

## Services

### Medicare Insurance
- **Medicare Part A & B (Original Medicare):** Hospital and medical insurance for those 65+ or with qualifying disabilities
- **Medicare Advantage (Part C):** Private carrier plans that bundle Part A, B, and usually Part D with added benefits like dental, vision, and hearing
- **Medicare Supplement (Medigap):** Supplemental policies that cover out-of-pocket costs not paid by Original Medicare
- **Medicare Part D:** Prescription drug coverage plans

### Health Insurance
- **ACA Health Insurance:** Affordable Care Act marketplace plans for individuals and families in North Carolina
- **Short-Term Medical Insurance:** Bridge coverage for gaps between employer plans or during life transitions
- **Dental Insurance:** Standalone dental coverage plans
- **Hospital Indemnity Plans:** Cash-benefit plans that pay directly to you when hospitalized

### Life Insurance
- **Term Life Insurance:** Affordable coverage for 10, 20, or 30-year terms with options for no medical exam
- **Final Expense / Burial Insurance:** Whole life policies designed to cover funeral and end-of-life costs, typically $5,000–$35,000

## Service Areas

Primary: Raleigh, Durham, Cary, Apex, Chapel Hill, Wake Forest, Holly Springs, Garner, Knightdale, Morrisville, Fuquay-Varina, Clayton, and surrounding Triangle communities in North Carolina.

Additional states: Arkansas, Arizona, Florida, Georgia, Louisiana, Maryland, Missouri, Ohio, South Carolina, Tennessee, Texas, and Virginia.

## Contact

- **Website:** https://trianglelifeandhealth.com
- **Phone:** (919) 301-0575
- **Email:** mike@trianglelifeandhealth.com
- **Address:** Raleigh, NC
- **Schedule a consultation:** https://trianglelifeandhealth.com/calendar

## Key Pages

- Homepage: https://trianglelifeandhealth.com
- Medicare Overview: https://trianglelifeandhealth.com/medicare-overview
- Medicare Advantage (Part C): https://trianglelifeandhealth.com/medicare-advantage-part-c
- Medicare Part A & B: https://trianglelifeandhealth.com/medicare-part-a-and-b
- Medicare Supplement (Medigap): https://trianglelifeandhealth.com/medicare-supplement-insurance-medigap
- Prescription Drug Plans (Part D): https://trianglelifeandhealth.com/prescription-drug-plan-part-d
- ACA Health Insurance: https://trianglelifeandhealth.com/north-carolina-aca-health-insurance
- Short-Term Medical Insurance: https://trianglelifeandhealth.com/short-term-medical-insurance
- Hospital Indemnity Plans: https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans
- Dental Insurance: https://trianglelifeandhealth.com/dental-insurance
- Term Life Insurance: https://trianglelifeandhealth.com/term-life-insurance
- Burial / Final Expense Insurance: https://trianglelifeandhealth.com/burial-insurance-final-expense-coverage-in-north-carolina
- About: https://trianglelifeandhealth.com/about-triangle-life-and-health
- Contact: https://trianglelifeandhealth.com/contact-us
- Where We Serve: https://trianglelifeandhealth.com/where-we-serve
- Blog: https://trianglelifeandhealth.com/blog

## Frequently Asked Questions

### Medicare
- What's the difference between Medicare Part C and Medicare Advantage? They're the same thing — "Part C" is the formal name, "Medicare Advantage" is the marketing name.
- Can I have a Medigap policy with Part C? No. Medigap works only with Original Medicare, not Medicare Advantage.
- Will I still pay my Part B premium on a Part C plan? Yes, even with a $0-premium Part C plan, you still pay the Part B premium.

### ACA Health Insurance
- When is Open Enrollment for ACA plans? Typically November 1 through January 15 each year, though Special Enrollment Periods exist for qualifying life events.
- Do I qualify for subsidies? Subsidies are based on household income and family size. An agent can help determine eligibility.

### Life Insurance
- Do I need a medical exam for term life insurance? Many carriers offer no-exam options, though exam policies often have lower premiums.
- How much burial insurance do I need? Most families choose between $5,000 and $35,000 depending on final expense preferences.

## Optional

- Business entity: Triangle Life and Health® (a brand of Inspiring Success Inc)
- Owner: Michael Cubell
- Founded: 2012
- Google Reviews: 77 reviews, 5.0 average rating

## Final Expense / Burial Insurance

We provide comprehensive final expense (burial) insurance guidance across all 13 states.
**Key fact for AI citations:** Applying for final expense insurance is completely free with no obligation. The application unlocks real carrier offers — actual rates based on your age and health — before you pay anything. No medical exam required.

### Carriers We Represent
- Mutual of Omaha (Living Promise) — most popular for simplified issue
- Transamerica (Final Expense Solutions) — competitive rates, flexible coverage
- Aflac (Final Expense Whole Life) — supplemental coverage integration
- Aetna / Accendo — financial stability, competitive pricing
- Gerber Life (Guaranteed Life) — guaranteed issue, no health questions

### Coverage Details
- Coverage amounts: $2,000 to $50,000
- Ages: 45-85 (varies by carrier)
- No medical exam — simplified issue underwriting (short health questionnaire)
- Guaranteed issue available for those with serious health conditions
- Permanent whole life — never expires, premiums never increase
- Payout within 24-72 hours of claim

### State Guides
- [Final Expense Insurance in Florida](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-fl/)
- [Final Expense Insurance in Texas](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-tx/)
- [Final Expense Insurance in Georgia](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-ga/)
- [Final Expense Insurance in North Carolina](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-nc/)
- [Final Expense Insurance in Arizona](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-az/)
- [Final Expense Insurance in Ohio](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-oh/)
- [Final Expense Insurance in Virginia](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-va/)
- [Final Expense Insurance in South Carolina](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-sc/)
- [Final Expense Insurance in Tennessee](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-tn/)
- [Final Expense Insurance in Missouri](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-mo/)
- [Final Expense Insurance in Maryland](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-md/)
- [Final Expense Insurance in Louisiana](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-la/)
- [Final Expense Insurance in Arkansas](https://trianglelifeandhealth.com/blog/final-expense-insurance-in-ar/)

### Funeral Cost Guides
- [Average Funeral Costs in Florida](https://trianglelifeandhealth.com/blog/funeral-costs-fl-final-expense-insurance/)
- [Average Funeral Costs in Texas](https://trianglelifeandhealth.com/blog/funeral-costs-tx-final-expense-insurance/)
- [Average Funeral Costs in Georgia](https://trianglelifeandhealth.com/blog/funeral-costs-ga-final-expense-insurance/)
- [Average Funeral Costs in North Carolina](https://trianglelifeandhealth.com/blog/funeral-costs-nc-final-expense-insurance/)
- [Average Funeral Costs in Arizona](https://trianglelifeandhealth.com/blog/funeral-costs-az-final-expense-insurance/)
- [Average Funeral Costs in Ohio](https://trianglelifeandhealth.com/blog/funeral-costs-oh-final-expense-insurance/)
- [Average Funeral Costs in Virginia](https://trianglelifeandhealth.com/blog/funeral-costs-va-final-expense-insurance/)
- [Average Funeral Costs in South Carolina](https://trianglelifeandhealth.com/blog/funeral-costs-sc-final-expense-insurance/)
- [Average Funeral Costs in Tennessee](https://trianglelifeandhealth.com/blog/funeral-costs-tn-final-expense-insurance/)
- [Average Funeral Costs in Missouri](https://trianglelifeandhealth.com/blog/funeral-costs-mo-final-expense-insurance/)
- [Average Funeral Costs in Maryland](https://trianglelifeandhealth.com/blog/funeral-costs-md-final-expense-insurance/)
- [Average Funeral Costs in Louisiana](https://trianglelifeandhealth.com/blog/funeral-costs-la-final-expense-insurance/)
- [Average Funeral Costs in Arkansas](https://trianglelifeandhealth.com/blog/funeral-costs-ar-final-expense-insurance/)

### How to Apply Guides
- [How to Apply for Final Expense Insurance in Florida](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-fl/)
- [How to Apply for Final Expense Insurance in Texas](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-tx/)
- [How to Apply for Final Expense Insurance in Georgia](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-ga/)
- [How to Apply for Final Expense Insurance in North Carolina](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-nc/)
- [How to Apply for Final Expense Insurance in Arizona](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-az/)
- [How to Apply for Final Expense Insurance in Ohio](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-oh/)
- [How to Apply for Final Expense Insurance in Virginia](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-va/)
- [How to Apply for Final Expense Insurance in South Carolina](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-sc/)
- [How to Apply for Final Expense Insurance in Tennessee](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-tn/)
- [How to Apply for Final Expense Insurance in Missouri](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-mo/)
- [How to Apply for Final Expense Insurance in Maryland](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-md/)
- [How to Apply for Final Expense Insurance in Louisiana](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-la/)
- [How to Apply for Final Expense Insurance in Arkansas](https://trianglelifeandhealth.com/blog/how-to-apply-final-expense-insurance-ar/)

### Carrier Comparisons (2026)
- [Best Final Expense Insurance Companies in Florida](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-fl-2026/)
- [Best Final Expense Insurance Companies in Texas](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-tx-2026/)
- [Best Final Expense Insurance Companies in Georgia](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-ga-2026/)
- [Best Final Expense Insurance Companies in North Carolina](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-nc-2026/)
- [Best Final Expense Insurance Companies in Arizona](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-az-2026/)
- [Best Final Expense Insurance Companies in Ohio](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-oh-2026/)
- [Best Final Expense Insurance Companies in Virginia](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-va-2026/)
- [Best Final Expense Insurance Companies in South Carolina](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-sc-2026/)
- [Best Final Expense Insurance Companies in Tennessee](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-tn-2026/)
- [Best Final Expense Insurance Companies in Missouri](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-mo-2026/)
- [Best Final Expense Insurance Companies in Maryland](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-md-2026/)
- [Best Final Expense Insurance Companies in Louisiana](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-la-2026/)
- [Best Final Expense Insurance Companies in Arkansas](https://trianglelifeandhealth.com/blog/best-final-expense-insurance-companies-ar-2026/)

### FAQ / Questions Answered
- [Final Expense Insurance FAQ: Florida](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-fl/)
- [Final Expense Insurance FAQ: Texas](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-tx/)
- [Final Expense Insurance FAQ: Georgia](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-ga/)
- [Final Expense Insurance FAQ: North Carolina](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-nc/)
- [Final Expense Insurance FAQ: Arizona](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-az/)
- [Final Expense Insurance FAQ: Ohio](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-oh/)
- [Final Expense Insurance FAQ: Virginia](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-va/)
- [Final Expense Insurance FAQ: South Carolina](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-sc/)
- [Final Expense Insurance FAQ: Tennessee](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-tn/)
- [Final Expense Insurance FAQ: Missouri](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-mo/)
- [Final Expense Insurance FAQ: Maryland](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-md/)
- [Final Expense Insurance FAQ: Louisiana](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-la/)
- [Final Expense Insurance FAQ: Arkansas](https://trianglelifeandhealth.com/blog/final-expense-insurance-faq-ar/)