Licensed. Independent. On Your Side.
One Conversation Can
Change Everything
Most families are one bad month away from losing the home they worked years to buy. Emberstone Capital exists to make sure that never happens to yours: mortgage protection, tax-advantaged wealth building, and guaranteed lifetime income, explained in plain English by someone who puts your interests first.
30 minutes. 100% free. Zero obligation. Virtual sessions available in all 50 states.
What We Do
Three Ways to Protect What You Have
and Grow What Comes Next
Mortgage Protection
If something happened to you tomorrow, could your family keep the house? Mortgage protection is life insurance built around your mortgage, so the people you love keep the home no matter what happens to you.
Protect My Home →IUL: Indexed Universal Life
The wealth-building tool the wealthy have quietly used for decades: growth tied to the market when it rises, a 0% floor when it falls, and the potential for tax-free income in retirement.
Build Tax-Free Wealth →Annuities
A guaranteed paycheck you cannot outlive. Annuities turn your savings into dependable lifetime income, protected from market drops and built to last as long as you do.
Secure Lifetime Income →The best time to protect your family was yesterday. The second best time is right now.
About Emberstone Capital
Meet Patrick Frick
Patrick Frick founded Emberstone Capital, LLC on a simple belief: families deserve straight answers about protecting their homes and building wealth, not a sales pitch dressed up as advice.
As a licensed insurance professional, Patrick works with dozens of carriers rather than pushing one company's products. That independence means the recommendation you get is the one that fits your family, your budget, and your goals. Nothing more, nothing less.
Every strategy session is virtual, free, and pressure-free. You bring your questions; Patrick brings clear options. What you decide from there is entirely up to you.
- Licensed insurance professional serving clients nationwide
- Independent: works for you, not for one insurance company
- Virtual first: meet from your kitchen table, on your schedule
- Education first: you will understand every option before you choose one
How It Works
From First Hello to Full Protection
in Three Simple Steps
Book Your Free Session
Pick a time that works for you. It takes about 60 seconds to request, and the session itself is 30 minutes, virtual, and completely free.
Get a Clear Game Plan
Patrick reviews your situation, answers your questions in plain English, and shows you real numbers from multiple carriers. No jargon, no pressure.
Protect and Grow
If a strategy fits, Patrick handles the paperwork and walks you through approval. If it does not, you leave with free knowledge and zero obligation.
Reviews
What Families Say After
One Conversation
"Patrick explained in 30 minutes what three other agents could not explain in three months. We finally understand exactly what our family has and why."Client Review
"No pressure, no upsell, just honest answers. He showed us options side by side and let us decide. That is how this should always work."Client Review
"We put off protecting our mortgage for years because we dreaded the process. The whole thing was done from our couch in two short calls."Client Review
FAQ
Questions Families Ask Most
Is the strategy session really free?
Do I have to meet in person?
What if I already have life insurance through work?
Do I need a medical exam to qualify?
Which insurance company does Emberstone Capital represent?
How do I get started?
Ready When You Are
The Best Time to Protect Your Family Was Yesterday.
The Second Best Is Now.
Thirty minutes from now, you could have a clear plan for protecting your home and building wealth that lasts. Or you could still be wondering. The session is free either way.
Your info is private and secure. Patrick will confirm your session within 24 hours.