Life & Disability Insurance That’s Built to Last
Planning for the unexpected doesn’t have to be overwhelming. At F&T Insurance Agency, we help individuals and families across
Massachusetts,
Rhode Island,
Connecticut, and
New York find clear, reliable life and disability insurance coverage. Whether you're protecting your income, securing your family's future, or planning for long-term care, our advisors offer one-on-one guidance to help you choose policies that fit your goals—not someone else's checklist.
Life Insurance That Works for Your Stage of Life
From term life for young families to permanent coverage for estate planning, our life insurance policies are built around real conversations—not quick quotes. We help you understand the difference between options, so you can choose with confidence.
Disability Insurance That Keeps Life on Track
An injury or illness can derail your income. Our disability insurance coverage replaces lost wages when you can’t work, helping you meet everyday expenses and long-term goals without interruption.
Long-Term Care Insurance for Future Support
Whether you’re planning for assisted living, home care, or skilled nursing, long-term care coverage helps protect your assets and your options. We guide you through your choices early—so you’re not caught off guard later.
Special Needs Planning That Goes Further
If you’re caring for a child or adult with special needs, insurance and trust planning can play a critical role in their lifelong security. We offer compassionate, practical strategies that support your family’s future.
