Life & Disability Insurance, Designed for New York Lives

At F&T Insurance Agency, we help New Yorkers across the state—from the boroughs of NYC to upstate towns like Albany and Saratoga Springs—build security into their futures. Our life and disability insurance plans are crafted to support your income, your dependents, and your long-term care needs. No jargon, no pressure—just real coverage, explained clearly.

Life Insurance That Fits New York Families

Whether you're raising a family in Queens, planning retirement in Rochester, or investing in your future in Westchester, our NY life insurance options are built to fit. We offer both term and whole life coverage, with guidance tailored to your stage of life.

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Disability Insurance That Safeguards Your Paycheck

If injury or illness stops you from working, disability insurance steps in. From contractors in Buffalo to consultants in Brooklyn, we provide New York disability insurance policies that keep your income flowing—even when life takes a turn.

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Long-Term Care Insurance That Supports Independence

The cost of care—from assisted living in Long Island to in-home support in the Hudson Valley—adds up fast. Our NY long-term care insurance helps you plan ahead for the services and support you might need later in life.

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Special Needs Planning for Lasting Support

We work with families across New York—from Manhattan to Schroon Lake—to develop long-term special needs plans. From funding strategies to life insurance-backed trusts, we help secure a stable future for your loved one.

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