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12 Capital Group



Through our affiliate, 12 Capital Group Insurance Services LLC, we provide insurance products from a variety of product sponsors.  We employ an experienced team of licensed professionals and registered Financial Advisors through our affiliated brokerage firm 12 Capital Group LLC who work with our clients to select insurance policies and financial products tailored to their individual needs.


Life insurance doesn’t have to be expensive or complicated, and the benefits and reassurance that a life insurance policy provides are worthwhile protection for you and those you love. A policy can provide income for mortgages and other expenses, offset the impact of estate taxes and even protect small businesses. Life insurance policies are powerful and versatile financial tools that offer many options and features. We offer policies that may :

  • Help pay for your or your survivors’ long-term care expenses
  • Include features that prevent the policy from ending prematurely if you become unemployed
  • Build “cash value” over time and allow you to take supplemental income from that value to cover unexpected expenses
  • Cover you, your spouse and children, all in one policy


There are many different types of life insurance, ranging from basic coverage to policies with more complex features that address specific needs. Our Financial Advisors will help you navigate your options and find the policy that is best for your situation.


Planning for retirement?  An annuity can provide a retirement income you can’t outlive. We offer many variable and fixed income annuity options, and our Financial Advisors are here to help you find the one that is right for you.


A variable annuity is a long-term investment designed for retirement purposes, where investment returns fluctuate and the principle value, when redeemed, may be worth more or less than the original investment.  Variable annuities can help increase your income for retirement and guarantee it lasts a lifetime.  With this type of investment, withdrawals may be subject to sales charges and federal tax penalties, and can reduce the account value and the living and death benefits.


For more conservative investors, fixed annuities provide a steady rate of interest with a tax deferral. Fixed annuities earn a set interest for your purchase payments based on current interest rates, over a period of time. As with variable annuities, withdrawals may be subject to taxes and withdrawal charges. However, fixed annuities offer a variety of payout options, including a lifetime income, and provide a more secure alternative to variable annuities. Your licensed Financial Advisor can provide you with complete details about exclusions, limitations, reductions of benefits and terms for keeping your annuity contracts in force.


Accident and Health Insurance provides coverage for sickness, injury or accidental death, and may pay for doctor’s visits, medical procedures, prescription drugs and so forth. Our experienced Financial Advisors can help you find the best accident and health insurance to suit your specific needs.  We offer several leading types of policies including:
  • Group and Individual AD&D
  • Travel Accident
  • Voluntary AD&D with General Liability Companion
  • Accident Base with Critical Illness & Accident Medical Expenses
  • Short Term Medical with Accident Companion Product
  • Blanket Accident / Liability & Special Risks
  • Student Accident & Sickness
  • Intercollegiate, Amateur & Youth Sports Programs
Our Financial Advisors are here to help you every step of the way and will work to ensure that you get the most out of your policy.