New York Insurance & Financial Planning | Paradise Assured
Independent Insurance Advisor Serving All of New York State
New York is home. As a native New Yorker, Andrew M. Lax of Paradise Assured Insurance Agency understands what it means to build a life here — the cost of living, the complexity of the insurance marketplace, and the unique financial planning challenges that New Yorkers face at every stage of life.
New York has some of the strictest insurance regulations in the country — regulations that exist specifically to protect consumers. Navigating the New York insurance marketplace requires an advisor who knows it from the inside — someone who is independently licensed, not tied to any single carrier, and whose only obligation is to find the right solution for each individual client.
That is exactly what Paradise Assured Insurance Agency provides. As an independent insurance advisor licensed in New York — our primary market — Andrew M. Lax works with multiple top-rated carriers to compare options, explain choices in plain language, and help New York individuals, families, and business owners make confident and informed insurance decisions.
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 New York
Paradise Assured Insurance Agency offers the following services to individuals, families, and business owners throughout New York State:
MEDICARE PLANNING
Helping New Yorkers navigate Medicare Parts A, B, C, and D — comparing Medicare Supplement and Medicare Advantage plans available in their specific county — and making sense of a marketplace that changes every year during the Annual Enrollment Period.
New York residents have access to Medicare coverage through a wide range of carriers. The right plan depends on your doctors and specialists, hospitals, your medications, your county of residence, and your budget. Paradise Assured helps you compare all the available options and choose with confidence.
LIFE INSURANCE & FAMILY PROTECTION
Helping New York families protect what matters most — from term life and mortgage protection to permanent cash value strategies that build wealth while protecting your family. Final expense planning for seniors.
Key person and business protection for New York business owners.
LONG-TERM CARE PLANNING
Long-term care is one of the most significant financial risks facing New York families — and one of the least planned for. The cost of home care, assisted living, and nursing home care in New York is among the highest in the nation. Paradise Assured helps New Yorkers evaluate long-term care insurance options before a health event makes planning impossible.
ANNUITIES & RETIREMENT INCOME
Many New Yorkers have money sitting in Certificates of Deposit earning taxable interest — paying taxes every year on growth they cannot access without penalty. Others have orphaned 401k accounts from former employers sitting exposed to market risk with no coherent strategy.
There is a better way. Fixed Indexed Annuities and Multi-Year Guaranteed Annuities offer New Yorkers 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 New Yorker who wants their retirement savings to work smarter and safer.
ACA HEALTH, DENTAL, VISION & SUPPLEMENTAL COVERAGE
New York residents under age 65 without employer health insurance can access ACA Marketplace coverage through New York State of Health — nystateofhealth.ny.gov. Paradise Assured helps New Yorkers navigate plan options, understand Premium Tax Credit eligibility, and select the right plan for their specific health needs and budget.
Stand-alone dental, vision, and hearing coverage — hospital indemnity and critical illness insurance — are available to New York residents of all ages as supplements to any existing health coverage.
BUSINESS PROTECTION & EMPLOYER WELLNESS
New York is home to millions of small and mid-size businesses — many of them operating without adequate protection against the loss of a key person, a partner dispute, or an owner disability. Paradise Assured helps New York 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 New York 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 New York State and nationwide. New York City and surrounding areas are home to a significant foreign national population — non-resident aliens with US-based assets facing substantial US estate tax exposure that most have never planned for.
Paradise Assured offers foreign national life insurance planning for qualifying NRAs with US assets.
IMPORTANT NOTE — HOSPITAL INDEMNITY
Hospital Indemnity insurance is not currently available in New York.It is available to Paradise Assured clients residing inFlorida, Connecticut, Delaware, Tennessee, West Virginia, and Arizona. New Jersey and Indiana availability may vary by carrier. If you have family members or contacts in these states who could benefit from Hospital Indemnity coverage, please contact Paradise Assured Insurance Agency — we would be happy to help.
Why New Yorkers Choose Paradise Assured
INDEPENDENTLY LICENSED — NO CARRIER BIAS
Paradise Assured Insurance Agency is an independent insurance agency — not captive to any single carrier. Andrew M. Lax is licensed to work 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.
NEW YORK IS OUR PRIMARY MARKET
New York is not one of many states we serve — it is our home market and our deepest area of expertise. Andrew M. Lax is a native New Yorker who understands the New York insurance marketplace, the New York regulatory environment, and the specific financial planning challenges facing New York individuals, families, and business owners at every stage of life.
WE MAKE THE COMPLEX SIMPLE
Insurance is complex. The New York insurance marketplace is particularly complex. 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.
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 required. We serve clients throughout all of New York State — without requiring you to travel or take time away from your day.
Serving Communities Throughout New York State
Paradise Assured Insurance Agency proudly serves individuals, families, and business owners throughout all of New York State including:
NASSAU & SUFFOLK COUNTIES — LONG ISLAND
Garden City, Hempstead, Mineola, Great Neck, Manhasset, Roslyn, Hicksville, Levittown, Massapequa, Babylon, Bay Shore, Islip, Huntington, Smithtown, Hauppauge, Commack, Setauket, Port Jefferson, Riverhead, Southampton, East Hampton, and communities throughout Nassau and Suffolk Counties.
NEW YORK CITY — THE FIVE BOROUGHS
Manhattan, Brooklyn, Queens, The Bronx, and Staten Island — including all neighborhoods and communities throughout New York City.
WESTCHESTER COUNTY
White Plains, Yonkers, New Rochelle, Mount Vernon, Scarsdale, Bronxville, Rye, Harrison, Mamaroneck, Tarrytown, Ossining, Peekskill, and communities throughout Westchester County.
ORANGE COUNTY
Newburgh, Middletown, Port Jervis, Monroe, Goshen, Warwick, Cornwall, Tuxedo, and communities throughout Orange County.
HUDSON VALLEY
Poughkeepsie, Kingston, Beacon, Newburgh, Rhinebeck, Hyde Park, Millbrook, Cold Spring, Fishkill, Wappingers Falls, and communities throughout the Hudson Valley.
ALL OF NEW YORK STATE
Albany, Buffalo, Rochester, Syracuse, Utica, Binghamton, Ithaca, Saratoga Springs, Plattsburgh, Watertown, Glens Falls, and communities throughout upstate New York and the Capital Region.
No matter where you are in New York State — Paradise Assured Insurance Agency is available to serve you by phone or virtually at your convenience.
New York's Independent Insurance Advisor — Ready to Help
Whether you are a Long Island family navigating Medicare for the first time, a New York City business owner who needs to protect your company and your people, a Westchester retiree wondering whether your CD is really working as hard as it should be, or a Hudson Valley individual looking for coverage that actually fits your life — Paradise Assured Insurance Agency is here.
As a native New Yorker, Andrew M. Lax brings personal commitment to every client relationship — the kind of commitment that comes from serving the community you grew up in and the people you call neighbors.
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.