Capital Insurance Affiliates, LLC (CIA) is a full service insurance Brokerage General Agency (BGA) and Estate Planning affiliate. CIA offers a vast array of life, disability income and long-term care insurance and annuity products with an unparalleled broker compensation structure.
Whether it is low cost term or permanent protection, DI or LTCi, CIA can provide the most competitive rates and underwriting from some of the top rated insurance companies in the industry. CIA will do all the processing and leverage our relationships with the insurance carriers in order to find the product that best fits your clients' needs.
CIA's estate and business analysis team can assist with plans to help business owners maintain their competitive advantage and valuable employees through "golden handcuff" arrangements, qualified and non-qualified retirement plans, key person insurance and business succession planning.
CIA is also available for brokers wanting to help their clients minimize their estate taxes. We provide support for estate tax reduction or elimination strategies through the use of discounting techniques, irrevocable trusts and charitable trusts.
From complex estate planning and tax reduction techniques to competitive insurance products to a basic life insurance audit, CIA will help you navigate through the process with your and your clients' best interest in mind.