David M. Moore, Sr.
In Honor and Loving Memory of our Founder
1940-2020
Douglas W. Moore
President & CEO
LUTCF
David M. Moore, Jr.
Executive Vice President
LUTCF, CLU, ChFC
2024 | EXPANDING TO NEW MARKETS & STRENGTHENING OUR COMMITMENT
2024 was a milestone year for Capital Insurance Agency! We were thrilled to announce that the Florida Legislature approved adding 4-year State Colleges under the Department of State Group Insurance (DSGI). This expansion allows us to extend our trusted insurance solutions beyond our primary market of State of Florida Agencies, now reaching State Colleges in addition to Universities. Another highlight of the year was the annual Pre-Tax Open Enrollment, which was a resounding success. With strong participation and engagement, we are excited to build on this momentum and continue providing top-tier benefits and service to Florida’s public employees. As we look ahead, our commitment remains the same—delivering exceptional insurance solutions while expanding our impact to serve even more of Florida’s dedicated workforce.
2014 | A LEGACY OF GROWTH & A VISION FOR THE FUTURE
By 2014, 90% of Capital Insurance Agency’s business was conducted with State of Florida Departments and Agencies—a testament to our strong partnerships and reputation in the industry. As we celebrated 50 years in business, we reflected on our journey, embracing both our successes and the valuable lessons learned along the way. A significant milestone this year was the transition of ownership to Douglas Moore and David Moore, Jr., ensuring that Capital’s legacy continues with strong leadership and a forward-thinking vision. Supporting our core values and commitment to the Capital Family, we also introduced the Employee Stock Ownership Program (ESOP) for Home Office employees, reinforcing our dedication to shared success and long-term growth. With a unique company culture, a team of talented and committed employees, and a foundation built on integrity and excellence, we are confident that Capital Insurance Agency’s future will be even brighter!
2000 | OVERCOMING CHALLENGES & ADVOCATING FOR STATE EMPLOYEES
The year 2000 brought unexpected challenges for Capital Insurance Agency, as two of our dental plans were eliminated, and insurance agents were banned from soliciting and servicing programs for State employees. However, rather than accepting these setbacks, Capital took decisive action to advocate for both our agency and the employees we serve. Through extensive efforts and significant resources, we formed a coalition to challenge these restrictions. This commitment led to a settlement agreement and the establishment of new contracts, allowing us to continue marketing dental programs to State employees. This pivotal moment reinforced Capital’s dedication to protecting access to valuable benefits and ensuring that State employees continue to receive the coverage they need. It also showcased our resilience, determination, and commitment to those we serve—principles that continue to define our agency today.
1997 | HONORING A LEGACY – The NAT POLAK “GOYA” AWARD’S CLUB
In 1997, Capital Insurance Agency proudly established the NAT POLAK “GOYA” AWARD’S CLUB in honor and memory of Nat Polak—a beloved figure within our agency. Known as Capital’s “Godfather”, Nat was a driving force behind our success, always pushing agents to reach their full potential. His legendary catchphrase, “GOYA”, was his not-so-subtle way of saying, “Get off your ____!” Whenever an agent’s production was lagging, Nat would look them straight in the eye and deliver this unforgettable motivation. Today, we honor his passion, leadership, and commitment through the GOYA Award, celebrating those who embody his relentless drive and dedication. While Nat may no longer be with us, we like to think he’s now our “Guardian Angel,” continuing to watch over and inspire the Capital Family.
1992 | EXPANDING BENEFITS THROUGH LEGISLATIVE ACTION
In 1992, a significant legislative directive paved the way for a more comprehensive benefits package for State employees. The Department of Administration was tasked with establishing a broad range of insurance benefits, leading to a competitive bidding process for supplemental health insurance, dental care, vision care, and cancer/intensive care programs. Capital Insurance Agency successfully secured approval for seven pre-tax programs, with our plans being awarded under both grandfathered and competitively bid contracts. This achievement solidified our position as a trusted provider of employee benefits and reinforced our commitment to delivering quality insurance solutions to State employees. This milestone marked a period of growth and expansion, strengthening Capital’s long-standing relationship with the State of Florida and further enhancing the benefits available to those we serve.
1991 | OVERCOMING CHALLNGES
Since its founding, Capital Insurance Agency has navigated numerous governmental reorganizations and political shifts. One of the most significant challenges arose in 1991, when the Florida Legislature passed a “Pre-Tax Program” allowing State employees to pay their supplemental insurance premiums on a pre-tax basis. However, the original legislation did not permit employees to keep their existing insurance programs and include them in the pre-tax benefit. This posed a major issue for those already enrolled in valuable supplemental plans. Through extensive advocacy and dedicated efforts, Capital played a key role in amending the legislation to ensure that existing insurance providers—and the employees they served—were included in the pre-tax program. This victory reinforced our commitment to protecting State employees’ benefits and ensuring continued access to the coverage they relied on. This milestone set the stage for Capital’s continued leadership in enhancing and expanding insurance solutions for Florida’s public workforce.
1980 | A PERIOD OF GROWTH & STRATEGIC EXPANSION
The late 1980s marked a significant period of growth for Capital Insurance Agency. With a primary focus on life insurance, the Agency experienced its largest growth in years, achieving $2,000,000 in new life insurance sales. This milestone was a clear indicator of our expanding reach and the increasing demand for our life insurance products. In response to this success, Capital made the strategic decision to expand our marketplace by placing even greater emphasis on life insurance. This move required a restructuring of the management team, allowing us to better align with our vision of providing a comprehensive portfolio of insurance products. This restructuring positioned Capital Insurance Agency for continued growth, strengthening our ability to deliver a broad range of benefits to our clients and ensuring that we could meet the evolving needs of Florida’s workforce.
1978 | EXPANDING REACH AND SERVICES ACROSS FLORIDA
In 1978, Capital Insurance Agency’s guiding philosophy—”providing State of Florida employees with a complete portfolio of superior, highly competitive, non-contributory employee benefits through a network of professional local sales representatives”—proved instrumental in shaping the Agency’s future. It became clear to “The Three D’s” that in order to meet the growing demands of State employees, statewide access was essential. This realization led to the creation of the Agency’s regional concept, which established regional and satellite offices across Florida. The goal was to provide better service to existing clients while simultaneously securing new accounts. This expansion allowed Capital to broaden its reach, ensuring that we could offer top-notch insurance products and personalized service to every State employee. In recognition of our commitment to service and growth, the Dalton P. Farmer Regional Vice President of the Year Award was established in honor of Capital Insurance Agency’s first Regional Vice President (RVP). This award continues to celebrate the legacy of Dalton P. Farmer and his contributions.
1970 | THE BIRTH OF CAPITAL INSURANCE AGENCY
In 1970, Capital Insurance Agency was founded by three visionary individuals, known affectionately as “The Three D’s”—David Moore, Dalton Tate, Jr., and Dale Lauer. Their journey began as highly motivated insurance agents traveling across the State of Florida, driven by a shared vision to provide better benefits to State employees. At the time, Florida did not have central purchasing agreements, contracts, or supplemental employee benefits contracts. State employees were in need of additional benefits beyond what they were already purchasing. Recognizing this gap in the market, Capital Insurance Agency set out to systematically establish contracts and focus on offering voluntary group term life, disability, and supplemental health insurance. This initiative marked the beginning of a new era for State of Florida employees, who now had access to a wider array of insurance options—setting the foundation for Capital’s long-standing commitment to serving public employees across the state.
