Independent · Gulf Coast, Mississippi
Straight answers about Medicare, Life Insurance, and Retirement.
I work with more than twenty-five companies to find solutions tailored to your needs — so the conversation starts with your situation, not with whatever one company happens to be selling.
- No cost and no obligation
- Nothing changes unless you say so
- Licensed in 1 state
Medicare Annual Enrollment runs Oct 15, 2026 to Dec 7, 2026. That is the window to change your coverage for 2027. Reviews book up — earlier is easier.
What I help with
Five things, done properly.
Most people come to me for one of these and leave with a clearer picture of all five. Pick the one that brought you here — there is no pressure to do anything beyond that.
Life Insurance
Protecting the people who depend on you.
Term, whole life, and permanent coverage for the people who depend on you — and for what you have spent a lifetime building.
What we cover
- Term, whole life, and permanent
- Business and estate needs
- Reviewing coverage you already own
Who you’ll be talking to
Mike Capasso
For more than four years, Mike Capasso has helped individuals and families build a plan for their money — one that balances protection, growth, retirement, and long-term goals. He brings over twenty years of customer relations experience to every conversation, the kind that comes from listening first. Mike has called the Mississippi Gulf Coast home for more than fourteen years, where he lives with his wife and their four kids.
More about Mike →Why independent matters
One company has one answer. I have twenty-five.
Every insurance company underwrites differently. The one that is hardest on a health history is often the most competitive on a different one. When an agent represents a single carrier, that variation is invisible to you — there is only ever one quote.
I hold appointments with New York Life and more than twenty-five other carriers. On any given case I can look at where it is likely to land well and take it there. Sometimes the right answer is the policy you already have, and I will tell you that too.
Your situation first
The conversation starts with what you are trying to protect and who depends on you. Product comes later, if at all.
Real comparison
Because I am not limited to one shelf, I can show you why one company fits your health history better than another.
Someone who stays
The work is not the application. It is the review three years later when your situation has changed and nobody called you.
How it works
Three steps, and you can stop after any of them.
- 01
A conversation
Thirty to forty-five minutes, in person, on the phone, or over video. You talk, I take notes and ask questions. Nothing is presented and nothing is sold.
- 02
A written picture
I come back with what I found — where you are well covered, where there is a gap, and what your realistic options are, with the numbers in writing.
- 03
Your decision
You decide what, if anything, to do. If we move forward, I handle the paperwork and stay with it through approval and delivery.
Common questions
Before you call.
What does this cost me?+
Are you going to try to sell me something?+
I already have an agent. Is it worth talking?+
How do you get paid?+
What if I only want to talk about Medicare?+
Let’s find out whether I can help.
Pick a time that works. If it turns out I am not the right person for what you need, I will point you to someone who is.
Insurance products are offered through the licensed agent named on this site and the insurance carriers with which the agent is appointed. Product availability, features, and rates vary by state and are subject to underwriting approval. Guarantees are backed by the claims-paying ability of the issuing insurance company.