Connecticut Insurance & Financial Planning | Paradise Assured
Independent Insurance Advisor Serving Connecticut Since 2013
Paradise Assured Insurance Agency has been serving Connecticut clients since 2013 — making Connecticut one of our most established and deeply rooted markets. Over more than a decade, Andrew M. Lax has built lasting relationships with Connecticut individuals, families, and business owners throughout the state — from Fairfield County's communities along the New York border to Hartford, New Haven, and beyond.
Connecticut is a sophisticated insurance market. Home to Hartford — the insurance capital of America — Connecticut residents tend to be informed, discerning, and appropriately selective about the advisors they choose to work with. Paradise Assured Insurance Agency earns that trust through genuine expertise, independent perspective, and a commitment to putting the client's interests first in every conversation.
Fairfield County shares a seamless geographic and economic connection with neighboring Westchester County in New York — a border community that Paradise Assured knows well and has served on both sides for many years. That same depth of local knowledge extends throughout all of Connecticut.
As an independent insurance advisor, Andrew M. Lax is not tied to any single carrier. He works with multiple top-rated carriers across every product category — giving Connecticut clients a genuine comparison of available options and the confidence that every recommendation is made in their interest — not a carrier's.
All consultations are available by phone or virtually at your convenience. No office visit is required. Paradise Assured Insurance Agency charges no direct fee for insurance planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Insurance & Financial Planning Services Available in Connecticut
Paradise Assured Insurance Agency offers the following services to individuals, families, and business owners throughout Connecticut:
MEDICARE PLANNING
Connecticut has a competitive Medicare marketplace with a wide range of Medicare Supplement and Medicare Advantage plans available across its counties. The right plan depends on your specific doctors, medications, county of residence, and budget. Paradise Assured helps Connecticut residents navigate every available option and choose with confidence — including those who split time between Connecticut and Florida and need coverage that works in both states.
LONG-TERM CARE PLANNING
Connecticut consistently ranks among the highest cost states in the country for long-term care — including home care, assisted living, and nursing home care. Planning for long-term care before a health event makes it impossible is one of the most important financial decisions a Connecticut individual or family can make. Paradise Assured helps Connecticut clients evaluate all available long-term care options, including traditional LTC insurance, hybrid life and LTC policies, and asset-based LTC strategies.
LIFE INSURANCE & FAMILY PROTECTION
Term life, whole life, mortgage protection, and permanent cash value life insurance strategies for Connecticut individuals and families at every stage of life. From young Fairfield County families building financial security to established Hartford area families protecting accumulated wealth — Paradise Assured designs life insurance strategies that fit your specific situation and goals.
ANNUITIES & RETIREMENT INCOME
Many Connecticut residents have money sitting in Certificates of Deposit earning taxable interest — paying taxes every year on growth they cannot access without penalty. Others have orphaned 401 (k) accounts from former employers sitting exposed to market risk with no coherent retirement income strategy.
Fixed Indexed Annuities and Multi-Year Guaranteed Annuities offer Connecticut residents principal protection, tax-deferred growth, probate-free beneficiary transfer, and guaranteed lifetime income options that CDs and unmanaged 401k accounts simply cannot provide. Annuities are not only for high-net-worth individuals — they are for any Connecticut resident who wants their retirement savings to work smarter and more safely.
TAX-FREE RETIREMENT PLANNING
Connecticut has one of the highest tax burdens in the nation — with state income tax on retirement income that many residents do not fully anticipate until it affects their retirement cash flow. Permanent cash value life insurance strategies using Indexed Universal Life and Dividend Paying Whole Life provide tax-deferred accumulation and tax-free income through policy loans — with no Required Minimum Distributions ever.
For Connecticut residents planning a future move to Florida — where there is no state income tax — tax-free retirement income strategies built today will be even more powerful in retirement.
FAMILY PROTECTION — YOUNG FAMILIES
Connecticut has a significant population of young professional families — particularly in Fairfield County — who are building careers, buying homes, and starting families. The financial protection needs of a young Connecticut family are significant — and often underserved. Paradise Assured helps young families establish the right life insurance foundation, begin tax-free retirement accumulation early, and protect their most important asset — their income and their future.
DENTAL & VISION INSURANCE
Dental and vision coverage is essential for Individuals and families of all ages throughout Connecticut. Stand-alone dental and vision plans provide meaningful coverage for preventive care, basic services, major restorations, orthodontics for families with children, eyeglasses, and contact lenses — regardless of what their employer plan does or does not cover.
For Connecticut Medicare beneficiaries, Original Medicare does not cover routine dental or vision care. Stand-alone individual plans fill that gap directly — and stay with you regardless of any changes to your Medicare coverage.
HOSPITAL INDEMNITY INSURANCE
Hospital Indemnity insurance is available in Connecticut — and it is one of the most valuable supplements available to Connecticut Medicare beneficiaries and individuals on employer or ACA health plans.
The average cost of one day in a hospital in the United States is $3,025 — and can reach significantly higher in Connecticut's major medical centers. Even with Medicare or employer coverage, deductibles and copays can create a serious financial burden. Hospital Indemnity insurance pays cash benefits directly to you — not the hospital — to cover those out-of-pocket costs during a hospital stay.
CRITICAL ILLNESS INSURANCE
Cancer, heart attack, and stroke insurance providing lump-sum cash benefits upon diagnosis of a covered condition — available to Connecticut residents from age 18 to 89. A serious diagnosis can happen at any age. Critical illness insurance provides the financial flexibility to focus on recovery rather than finances — covering lost income, living expenses, travel to treatment facilities, and out-of-pocket medical costs that health insurance does not cover.
BUSINESS PROTECTION & EMPLOYER WELLNESS
Connecticut is home to a large and diverse small and mid-size business community — particularly in Fairfield County where many financial services, professional services, and corporate businesses operate. Paradise Assured helps Connecticut business owners address key person insurance, buy-sell agreement funding, Section 162 executive compensation, and disability income planning.
The Paradise Assured Health & Wellness Advantage — our Section 125 employer health enhancement program — is available to qualifying Connecticut employers with 10 or more W-2 full-time employees.
PREMIUM FINANCING & FOREIGN NATIONALS
The Paradise Assured Premium Financing Framework is available to qualifying accredited investors throughout Connecticut and nationwide. Traditional collateralized premium financing is available for high-net-worth Connecticut individuals with significant estate planning needs. Foreign national life insurance planning is available for qualifying non-resident aliens with US-based assets.
Curious about how Paradise Assured works with clients? Visit our Process page to learn more about our discovery and planning approach.
Why Connecticut Residents Choose Paradise Assured
SERVING CONNECTICUT SINCE 2013
Paradise Assured Insurance Agency has been serving Connecticut clients for more than a decade — building lasting relationships with individuals, families, and business owners throughout Fairfield County, Hartford, New Haven, and all of Connecticut.
These are not new relationships. They are established partnerships built on trust, results, and the kind of genuine personal service that keeps clients coming back and referring the people they care about most.
WE MAKE THE COMPLEX SIMPLE
Connecticut is a sophisticated insurance market with discerning consumers who expect genuine expertise and honest guidance — and an advisor who earns their trust rather than assumes it. Paradise Assured is committed to explaining every option in plain language — giving you the information you need to make a confident and informed decision without feeling overwhelmed or pressured.
WE SERVE ALL OF CONNECTICUT
From the Fairfield County communities of Greenwich, Stamford, and Westport to the Hartford and New Haven areas and beyond — Paradise Assured serves Connecticut clients throughout the entire state. We understand the financial planning needs of Fairfield County's high-income commuter communities as well as the middle class and working families throughout the rest of Connecticut who need the same quality of independent insurance guidance.
INDEPENDENTLY LICENSED — NO CARRIER BIAS
Paradise Assured Insurance Agency is an independent insurance agency — not captive to any single carrier. Andrew M. Lax works with multiple top-rated carriers across every product category — meaning you get a genuine comparison of available options rather than a single carrier's product pushed by an agent whose compensation depends on selling it.
NO DIRECT FEE
Paradise Assured Insurance Agency charges no direct fee for insurance planning consultations. You receive the full benefit of independent professional guidance at no direct cost to you. Our compensation comes from the carrier upon successful policy placement — not from you.
AVAILABLE BY PHONE OR VIRTUALLY
All consultations are available by phone or virtually at your convenience. No office visit is required. We serve clients throughout all of Connecticut without requiring you to travel or take time away from your day.
Serving Communities Throughout Connecticut
Paradise Assured Insurance Agency proudly serves individuals, families, and business owners throughout Connecticut, including:
FAIRFIELD COUNTY
Greenwich, Stamford, Norwalk, Westport, Darien, New Canaan, Wilton, Ridgefield, Danbury, Bridgeport, Stratford, Trumbull, Shelton, Monroe, Easton, Weston, Fairfield, and communities throughout Fairfield County.
HARTFORD COUNTY
Hartford, West Hartford, Glastonbury, Simsbury, Farmington, Avon, Canton, Enfield, Windsor, Bloomfield, Manchester, East Hartford, Newington, Berlin, Bristol, and communities throughout Hartford County.
NEW HAVEN COUNTY
New Haven, Milford, West Haven, Orange, Woodbridge, Hamden, North Haven, Branford, Guilford, Madison, Clinton, Wallingford, Meriden, Cheshire, Naugatuck, Waterbury, and communities throughout New Haven County.
MIDDLESEX & TOLLAND COUNTIES
Middletown, Middlefield, Durham, Haddam, Chester, Deep River, Essex, Old Saybrook, Tolland, Vernon, Ellington, and communities throughout Middlesex and Tolland Counties.
LITCHFIELD & WINDHAM COUNTIES
Torrington, Litchfield, Kent, Sharon, Salisbury, Norfolk, Putnam, Windham, Willimantic, and communities throughout Litchfield and Windham Counties.
No matter where you are in Connecticut, Paradise Assured Insurance Agency is available to serve you by phone or virtually at your convenience.
Connecticut's Trusted Independent Insurance Advisor — Since 2013
Whether you are a Fairfield County family navigating Medicare for the first time, a Hartford area business owner who needs to protect your company and your people, a New Haven retiree wondering whether your CD is really working as hard as it should be, a young Connecticut family building the financial foundation for your future, or anyone throughout Connecticut looking for independent insurance guidance you can trust — Paradise Assured Insurance Agency is here.
Over more than a decade, Andrew M. Lax has built lasting relationships throughout Connecticut — because great insurance planning is built on trust and that trust is built one conversation at a time.
The conversation starts with listening — understanding your situation, your goals, and your concerns — before a single recommendation is made.
Curious about how Paradise Assured works with clients? Visit our Process page to learn more about our discovery and planning approach.
Paradise Assured Insurance Agency charges no direct fee for insurance planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.