About Us


Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options. Picking a plan is easy when someone can explain your options in a simple way to understand.

We do get compensated by the company if you enroll through us and we believe in earning that commission through customer service. We are local and not some random call center; the person that answered you today will be here next time you call.

Capstone Insurance Consultants (formerly Capstone Medicare) was created by Will Smith and his wife Jessica and both have lived in the Tampa Bay area since 1990. They have one son still in elementary school and proud residents of Pasco County, Florida.

Meet Our Team

Will Smith, Principal Agent and Founder

Will Smith

Will Smith grew up in Pinellas County, then moved to Pasco County after college. He started in Medicare in 2005 as a captive agent for Humana during the inception of Part D. Later, he worked for WellCare before starting his own agency as an independent broker in 2014. Will appreciates his past as a captive agent but believes being an independent broker allows him the ability to find the best options for clients.

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Jessica Morales, Co-Founder

Jessica Morales

Jessica Morales, born in New York like many Floridians, was raised in Pasco County. Having finished her education there, she remained in the area she loves. Although she officially obtained her insurance license in 2023, her familiarity with Medicare and insurance matches that of her husband. She manages the backend office, handles customer service, organizes training events, and oversees marketing for both the agency and its agents.

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Mirna Alonzo K., Benefits Consultant

Mirna Alonzo K.

Since 2017, Mirna has engaged with Medicaid and Medicare businesses . She started her career at Anthem when it was called Amerigroup. Since the beginning she enjoys her passion to assist people, especially seniors and families in need. Her compassion for others makes her to do the extra miles in order to support her members. Mirna is bilingual in English and Spanish…

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