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About
Cornerstone Capital is an independent life insurance brokerage. We help individuals, families and business owners understand what they have, what they may need, and how available options compare.
What we believe
People, obligations and goals come first. A recommendation that does not begin there is a sales pitch.
If a policy cannot be explained clearly, it is not ready to be bought. We explain the limits along with the benefits.
Our job is to lay out the options and the trade-offs. Sometimes the right answer is to keep what you have.
Independent
An independent brokerage can evaluate solutions from multiple insurance carriers rather than being limited to a single company, subject to appointments, product availability, licensing and eligibility.
Cornerstone Capital is not an insurance company. Policies are issued by insurance carriers, and each carrier makes its own underwriting decisions.
How we are compensated
Insurance brokers may receive commissions from an issuing insurer when a policy is placed. Compensation can vary by carrier and product.
You can ask the broker you work with how compensation applies to anything you are considering. We would rather you ask.
Why an independent brokerage
Two insurance companies can look at the same person and reach different answers. Underwriting rules, product availability, pricing, features and state availability all differ from one carrier to the next.
An independent broker may compare multiple carriers for that reason, subject to appointments, product availability, licensing and eligibility. The comparison is built around you, not around one company's shelf.
Carrier and product availability varies by state, producer appointment, eligibility and underwriting. Carrier logos and trademarks belong to their respective owners. Inclusion does not imply an endorsement of Cornerstone Capital.
Our approach
A conversation about who depends on you, what you owe, what you are building, and the coverage you already have.
A look at options and carriers based on your eligibility and your objectives.
The trade-offs explained in plain language so you can decide with a clear head.
You'll speak with a licensed independent broker who can review your situation, explain available options and answer questions before you decide anything.
Next step
Tell us about your household or business. A licensed broker will listen first, then walk through what may be available to you.
Or call (501) 476-1468