Life & Disability Insurance, Trusted Across Rhode Island

From Providence professionals to families in Warwick and retirees along Narragansett Bay, F&T Insurance Agency supports Rhode Islanders with life and disability insurance that puts clarity and security first. Whether you’re preparing for the future or planning for the what-ifs, we offer policies tailored to your life—not just your ZIP code.

Life Insurance for Rhode Island Families

Whether you're building a future in Cranston, planning for retirement in Bristol, or supporting kids in East Greenwich, we offer RI life insurance options that meet you where you are. We help you choose between term and permanent coverage based on what really matters to your family.

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Disability Insurance That Fills the Gaps

If a serious injury or illness keeps you out of work, disability insurance protects your income and your independence. From small business owners in Johnston to employees in Newport, our RI disability insurance policies help bridge the gap—so you can focus on recovery, not finances.

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Long-Term Care Insurance for Peace of Mind

Long-term care costs in Rhode Island continue to rise, especially in areas like Pawtucket and Westerly. We help clients plan for the future with RI long-term care insurance that covers home care, assisted living, and skilled nursing expenses.

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Special Needs Planning That Stands the Test of Time

Families across Rhode Island—from Cumberland to Middletown—trust us for thoughtful, reliable special needs planning. We offer life insurance strategies and trust guidance that support long-term care and financial stability for loved ones with disabilities.

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