Personal Lines
Covers individuals against loss that results from death, injury, or loss of property
Commercial Lines
Designed to help protect small businesses from bodily injury claims, cyberattacks, and other liabilities
Life Insurance
Provides financial protection for your family in the event of your passing
Commercial Auto
Helps cover you and your employees on the road if you’re driving for business.
- Vehicle Damage
- Driver Injury
- Injury to Someone Else
- Damage to Property
Commercial Liability
General liability insurance is which provides liability insurance for general business risks.
- Property Damage
- Physical Injury
- Defense Costs
- Medical Payments
Workers Compensation
Gives your employees benefits if they get injured on the job or become ill from their job.
- Medical & Medical Treatment
- Lost Wages
- Disability Benefits
- & More
& More
- Employment Practices Liability
- Cyber Liability Insurance
- Management Liability Insurance
- Key Man Insurance
- Business Buy/Sell
- Business Interruption
Personal Lines Insurance
Having the right auto and home insurance is more than having the best rate – it’s about being protected correctly. We want both for our customers. We specialize in the following:
Residential Home & Auto
Flood Insurance
Renter’s Insurance
Umbrella
Earthquake Insurance
Life Insurance
Life insurance provides financial protection for your family in the event of your passing. Your beneficiaries will receive money to use as they see fit, ensuring security in a difficult time.
Term Insurance
Typically sold in lengths of one, five, 10, 15, 20, 25, or 30 years. Coverage amounts vary depending on the policy. Term policies can be useful if you have short-term debts or need coverage for a brief period of time.
Pro: Cheapest life insurance
Con: May outlive the term and payout
Whole Life Insurance
Typically lasts until your death, as long as you pay the premiums. In general, your premiums stay the same, you get a guaranteed rate of return on the policy’s cash value, and the death benefit amount doesn’t change.
Pro: Entire life & cash value
Con: More expensive
Universal Life Insurance
Death benefit is guaranteed, and your premiums won’t change. Typically little to no cash value within the policy, and insurers demand on-time payments. You can choose the age to which you want the death benefit guaranteed, such as 95 or 100.
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1620 N 82nd Place
Scottsdale, AZ 85257
Capstone Financial is a DBA of CTP Funding, an Arizona Corporation
NMLS #302645, NMLS Consumer Access