Is Atlantic Capital the same as Bankers Fidelity?

Same group, different legal entity. Atlantic Capital Life Assurance Company (NAIC 17393) and Bankers Fidelity Assurance Company (NAIC 71919) are both Atlantic American Group insurers, both rated A- by AM Best. They divide the country between them, and no state has both. If your quote said Bankers Fidelity and your policy says Atlantic Capital Life, nothing went wrong — that is the issuing company in your state.

I was told the company is called Capital Assurance. Is that right?

No Medigap insurer sells under that exact name, so it is almost certainly a compressed version of Atlantic Capital Life Assurance Company. Read the legal name off the quote or policy page before you compare anything, because several unrelated insurers sit close to it alphabetically: Capital BlueCross, Capitol Life Insurance Company, Atlantic Coast Life, Bankers Life (a CNO company underwritten by Washington National), and American Benefit Life (Liberty Bankers). Reviews of those companies tell you nothing about this one.

Where does Atlantic Capital Life issue Medicare Supplement policies?

In 9 of the 21 states I track it is the issuing company: Alabama, Arizona, Arkansas, Georgia, Indiana, Mississippi, North Carolina, Texas and Ohio. Everywhere else in the family's territory the policy comes from Bankers Fidelity Assurance instead. Outside those two footprints the group does not file a Plan G at all, including California, Connecticut, Florida, New Hampshire and Pennsylvania.

Why is the price so much lower than the big-name carriers?

The book started in 2023, so the insured pool is young and its claims are not yet mature. That is why the filed rate lands first on 8 of 9 boards. It is also why the rate-increase column matters more here than with a forty-year-old block: the first real filings have started arriving, the steepest so far being 12.9% in North Carolina effective August 2026. Buy on the filing pattern, not on the opening premium alone.

Can I enroll with Atlantic Capital online by myself?

There is no consumer portal. The company has no direct-to-public enrollment path, its parent's site points you to an agent, and medicare.gov lists Medigap companies without being able to enroll anyone in one. An appointed agent starts the electronic application on the carrier platform and sends you an e-signature link. Expect about 15 minutes.

Does the premium change if an agent submits it?

It does not. The rate is filed with your state's insurance department and approved before it can be quoted, so the same 65-year-old in the same ZIP pays the same premium no matter who fills out the form. What an agent adds is the rest of the board — the other two dozen carriers filing the identical plan letter in your county, which the carrier will never show you.

Can you write this policy in my state?

I hold the license and the appointment in Alabama, Arizona, Arkansas, Georgia, Indiana, Mississippi, North Carolina, Ohio and Texas, which covers the Atlantic Capital footprint on my rate board. I stay out of the birthday and anniversary-rule states by choice. If you are somewhere I cannot place the application, say so on the call and I will point you at what is actually available rather than take a form I cannot submit.

Is a newer, smaller insurer safe to buy from?

Two things protect you, and neither depends on the company's size. Medigap benefits are standardized by federal law, so a Plan G pays exactly the same claims regardless of whose name is on it. And every state runs a life and health guaranty association that covers policyholders if an insurer fails. Atlantic Capital Life carries an A- (Excellent) rating from AM Best and sits inside Atlantic American Group, which has been writing insurance since 1937. The real risk with a young block is not insolvency. It is rate increases.

Who Writes an Atlantic Capital Medicare Supplement Policy?

By Anthony Orner, Independent Licensed Medicare Insurance Broker · NPN 20586791 · Filed-rate data as of September 11, 2026 · Source: CSG Actuarial

Appointed independent agents, and nobody else. Atlantic Capital Life Assurance Company (NAIC 17393) is the Atlantic American insurer whose name lands on the policy when you buy Bankers Fidelity in 9 states, and as of September 11, 2026 it files the lowest Plan G on the board in 8 of them. It has no consumer enrollment site and no agents of its own.

Get This Policy Written →Or call a licensed broker — 855-559-1700

Search the name and you mostly find agent-recruiting pages. There is very little written for the person who already has the quote in hand and needs someone to file it. This page fixes the name, publishes what the company charges against every competitor in its nine states, and tells you where I can submit the application.

First, Make Sure It's the Right Company

Callers arrive with four or five versions of this name: Atlantic Capital, Capital Assurance, Atlantic Capital Assurance, Capital Life. Only one of them is a Medicare Supplement insurer. Pull the quote back up and read the legal name, because the companies below are genuinely unrelated and their rates have nothing to do with each other.

If the paperwork says	The company is	Related to Bankers Fidelity?
Atlantic Capital Life Assurance Company	Atlantic American Group · NAIC 17393	Yes — this page
Bankers Fidelity Assurance Company	Atlantic American Group · NAIC 71919	Yes — the sister insurer
Capital BlueCross	Pennsylvania Blue plan	No
Capitol Life Insurance Company	Separate Medigap insurer	No
Bankers Life	CNO Financial · underwritten by Washington National	No, despite the name
American Benefit Life	Liberty Bankers Insurance Group	No, despite the name

One more thing worth knowing: Bankers Fidelity Life Insurance Company, the 1955 original, still services older policies but does not appear in the current Medigap quoting index. New business comes from the two companies in the top rows.

What Atlantic Capital Charges, State by State

Filed rates for a 65-year-old female non-smoker in each state's flagship county, from the CSG Actuarial licensed API on September 11, 2026. Rank counts every carrier quoting that plan letter on the same board. Where the rank says one, no competitor filed lower.

State	Plan G @ 65	Plan G rank	Plan N @ 65	Plan N rank	Last increase filed
Alabama	$124.06	1 of 22	$94.21	1 of 21	6.9% · September 2025
Arizona	$146.51	1 of 29	$106.95	1 of 29	11.9% · August 2026
Arkansas	$164.70	1 of 23	$123.06	1 of 23	6.9% · August 2026
Georgia	$144.62	1 of 20	$108.78	1 of 21	6.9% · August 2026
Indiana	$118.22	1 of 27	$91.57	3 of 26	9.9% · October 2025
Mississippi	$115.11	1 of 23	$90.57	3 of 23	11.0% · September 2026
North Carolina	$114.97	1 of 30	$88.67	1 of 29	12.9% · August 2026
Texas	$142.78	1 of 26	$108.95	1 of 24	9.9% · August 2026
Ohio	$135.52	2 of 34	$102.31	1 of 33	12.0% · January 2026

One sample ZIP per rating area; individual rates as filed, before household discount. Your quote will differ with age, ZIP, gender and tobacco status.

The Low Price Is Real. Here's the Part to Watch.

This block opened in 2023. A young pool of insureds has not yet generated the claims an older block carries, which is exactly why the opening premium undercuts insurers that have been paying claims on the same benefit since the 1990s. That advantage is structural, and it is temporary.

The correction shows up in the filings. North Carolina took 12.9% effective August 2026 — the steepest in this book so far. None of that makes the policy a bad buy. It makes the second question the important one: what has this company filed, and what does the competitor two dollars higher file in a typical year?

That is a five-minute conversation with the filing history in front of both of us, and it is the part a carrier's own quote form will never raise. Plan G benefits are identical across every insurer by federal law, so the entire decision is price today against price in year five.

Getting the Application Submitted

I hold the appointment in Alabama, Arizona, Arkansas, Georgia, Indiana, Mississippi, North Carolina, Ohio and Texas. The application is electronic and signed remotely, so where I sit does not matter; the appointment does. Have your Medicare number and your Part A and Part B effective dates ready and it runs about 15 minutes. If you are applying outside your Medigap Open Enrollment Period or a guaranteed-issue window, expect health questions and underwriting. Once the policy issues, you have 30 days to read it and cancel for a full refund.

Start the Application →Talk it through with a broker — 855-559-1700

Questions About the Name and the Company

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EasyKind Medicare · 1309 Route 70 West, Cherry Hill, NJ 08002 · 855-559-1700 · Anthony Orner, NPN 20586791.

Data sources & methodology. Every rate, rank and filed increase on this page is read at build time from the CSG Actuarial licensed API pull dated September 11, 2026, held in data/state-rates/. Premiums are for a female, age 65, non-tobacco applicant, individual rate as filed, quoted through one sample ZIP per rating area in each state's flagship county. Rank counts every carrier quoting that plan letter on the same board. Rates in other ZIPs, at other ages, and for men or tobacco users will differ. AM Best ratings via ambest.com.

Disclosure. This page is published by MedicareYourself, a brand of EasyKind Medicare, a licensed independent Medicare insurance broker. We do not offer every plan available in your area. We hold appointments with the Bankers Fidelity family companies across our licensed footprint, so where we can place a policy is set by the carrier's own availability. On our current rate board that means Alabama, Arizona, Arkansas, Georgia, Indiana, Michigan, Mississippi, New Jersey, North Carolina, Ohio, South Carolina, Tennessee, Texas, Virginia and West Virginia. The family does not offer Medicare Supplement in New York or Florida, and files no Plan G in California, Connecticut, New Hampshire and Pennsylvania. We also do not write in the birthday and anniversary-rule states. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. Plan availability, plan letters and premiums vary by state and are subject to state Department of Insurance rate filings.

Medicare has neither reviewed nor endorsed this information. 2026 Medicare figures: Part B premium $202.90/month, Part B deductible $283, Part A deductible $1,736.