Term, whole and final-expense — sized to your dependents and debts, not a sales target. We quote five or more carriers and show you what each policy actually does.
Most agents push whole life because it pays more commission. We show you all six options and explain who each one actually fits.
Coverage for a fixed period — 10, 20 or 30 years. Lowest cost per dollar of coverage. Right for most working-age parents and mortgaged homeowners.
Permanent coverage with a growing cash-value component. Higher premium. Right when there is a lifelong need — estate planning, permanent dependent, buy-sell.
Flexible premium and adjustable death benefit. Cash value earns interest tied to a declared rate. Fits income-variable earners who need flexibility.
$5K – $50K to cover funeral and end-of-life costs. Simplified or guaranteed-issue underwriting — no medical exam in most cases. Right for older applicants.
Pays an additional benefit if death results from a covered accident. Low cost rider or standalone — useful as supplemental coverage for physical workers.
Voluntary or employer-sponsored group life. We help small businesses structure group plans and advise employees on supplementing employer coverage.
Most agencies quote one carrier and call it done. We build a risk profile first — then quote five or more and show you what each actually costs and why.
Age, health class, tobacco use, coverage need and any existing policies. Takes ten minutes. This determines which carriers will even bid and at what class.
We run your profile across life carriers in the panel — comparing death benefit, cash value (where applicable), exclusions and carrier financial rating.
Sign the application electronically. We submit, track underwriting, and deliver the policy. Renewals and beneficiary changes handled in-house year after year.
An independent agency means I work for the policyholder, not the carrier. That's the whole job."
Betances Agency Solutions is an independent agency on East Gun Hill Road. We write every line we sell — no broker-of-record handoffs, no offshore service desk. One agent, every call.
No medical exam required to get quotes. We compare death benefit, premium and carrier rating — not just the bottom line.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
