About Cardinal Advisors

Our Story

Our CEO, Hans Scheil, founded Cardinal Advisors in 2010. From 1976 to 2010, Hans worked for two large insurance companies as an agent and sales manager. Hans was convinced there was something missing from the heart of these large insurance companies: they lacked empathy for their clients. Instead of focusing on the best interest of their customers, Hans watched the culture morph into a company profit and commission-centric environment. These companies had a captive audience of people 65+ for years, but the rise of the internet and readily available and easily accessible information changed all of that. Cardinal now represents over 100 different insurance companies who are competing for our client’s business. No more captive audience!

Hans has been a caregiver for his mom, dad, and grandmother and knows how difficult retirement planning and caregiving is, especially for the adult children with families of their own. He started a company where serving the customer is the first priority.

Ten years later, Cardinal has 20 employees serving over 5,000 clients in 50 states and D.C.

Cardinal’s Core Values

At Cardinal, we live and work by our 5 core values. We look for clients who share these values.


These principles lead us to mutual trust and respect, and together we can effectively and successfully explore the financial planning process for retirement.

  1. Personal Responsibility

  2. Open & Honest Communication

  3. Personal Growth

  4. Value-Conscious Choices

  5. The Golden Rule

Learn more about Cardinal’s Core Values

Cardinal’s Weekly Podcast

“Finishing Well”

Working over the phone, through email, & in person

The days of finding the only guy in town who sells for one insurance company are long past. At Cardinal, we are licensed and have clients in all 50 states and D.C. We represent over 100 insurance companies and can get you the best insurance policies for your needs.

We can keep track of 100 companies because we work as a team almost exclusively over the phone. Paired with email, fax, mail, and even texting, it is not necessary to have face-to-face meetings to serve you anymore.

What all this means is no matter your location in the U.S., we can help you like you were right down the street.

Our clients find this more convenient; it is easy to reach us whenever they have a question or concern. They refer their friends or family who might live in another state. Working over the phone and email gives this small family business the ability to have a large impact nationally.

That being said, if you are in North Carolina, or the surrounding states, we would be happy to meet you in person. We have offices in Durham, Charlotte, and Greensboro, and even make house calls from time to time.

Hear from others like you:

In this very confusing area of supplemental insurance to go along with Medicare, I was very fortunate to find this group. After speaking with several other agencies all offering ‘advice’ I felt like I was being sold a used car by very hungry car dealers without my best interest in mind. Upon checking Angies’ List I found the information on Cardinal Advisors. Upon contacting them I spoke with an agent who made this daunting task very comfortable. She worked through all the options making the entire process very understandable. She spent a lot of time graciously answering questions and finding the coverage that would work best for me personally. We have had numerous conversations by phone, and email, as she worked hard to fine tune my coverage. I have had the opportunity to speak to others in the office and they all have the same caring, confident, ready to help attitude. Highly recommended.
– Angie’s List Review

Hear from others like you:

Cardinal has taken such a caring approach to assist me in many ways. I am sure if you are a senior and need financial advice, Cardinal is the best place. Give them a call.
– Carol R.

Hear from others like you:

Just a note of extreme gratitude for your YouTube video on Medicare which led me to contact your company about our specific circumstances. Jacob was amazing! He asked the questions he needed to so that he could research our current coverage and advise us on the best options as we advance. He also emailed us the links to the research material he was using to inform us and walked us page by page to the specific information we needed to review on our own before making a final decision. The work you do at Cardinal is invaluable, and your advisors add wealth to those of us to need your level of expertise, patience, and care. I could say so much more.
– Marcia S.

Hear from others like you:

My advisor at Cardinal Advisors saved me hours of having to contact many companies to get information on their plans. With her professional and knowledgeable insight of all prescription plans, she helped me hone it down to which one would meet my needs best and affordably so. For the past 7 years I have confidently used Cardinal Advisors to help me find the right medical and prescription coverages. THERE WAS NO CHARGE TO ME FOR THIS INVALUABLE SERVICE.
– Angie’s List Review

Hear from others like you:

Awesome people, very good at helping people and meeting their needs.
– Brandon A.

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