Sub-Agency

Capital Risk Insurance Group

Welcome to Capital Risk Insurance Group. Founded and operated by life and business partners Melissa Lovera and Joel Llanes, our agency was built on a simple but powerful foundation: providing clear, honest, and comprehensive insurance solutions tailored to your unique needs. Based in South Florida, we specialize in Medicare and Retirement Planning. We understand that navigating the world of insurance and retirement can feel overwhelming so whether you are transitioning into Medicare, protecting your family’s legacy, or securing your hard-earned retirement, we treat your peace of mind as if it were our own.