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Prime Financial Services review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Prime Financial Services is a US insurance broker, not an insurer, placing life and income protection for households who would rather an adviser did the work. Premiums start at $100 to $150, and that is the figure to weigh against the rest of the insurance market here.

Key facts

Best for
Life and income protection placed by a long established US broker.
Premium from
$100 to $150↗
Insurance types
Life, Income-protection↗
Provider type
Broker↗
Cover limit
$1,000,000 per occurrence / $3,000,000 aggregate↗
Legal entity
Prime Financial Services↗
Headquarters
United States↗
Founded
1956↗
Support channels
Email, Phone↗
Official website
pfinancialservices.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • A broker places the cover, so the insurer is matched to the job rather than fixed in advance
  • Trading since 1956, well beyond a first policy cycle
  • Support on email and phone covers a phone call and email for claims or mid term changes
  • Professional liability limits of $1,000,000 per occurrence / $3,000,000 aggregate are stated on the quoted cover

Cons

  • It is a broker rather than a risk carrier, so a claim sits with the insurer named on the policy
  • The line runs to life and income protection, so home, motor and health sit outside the range
  • Chat and a help centre are not among its support channels (email and phone)
Prime Financial Services

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • US households taking out a life policy or income protection and happy to have a broker place it
  • Anyone whose income depends on being able to work, since income protection sits in the life and income protection range
  • People who want to speak to a person during a claim, since support runs on email and phone

Who should look elsewhere

  • Linxea, where premium from is €25, is the figure to price against if $100 to $150 runs above your budget
  • bunq, at premium from €0, and bunq Spain, at €0, sit lower on the starting figure
  • Anyone wanting a full set of cover: that is not among its insurance types (life and income protection), so widen the comparison past this brand

Who runs it

Prime Financial Services is the legal entity on the policies, and it sits in the US. It has traded since 1956, so it is an established business rather than a new entrant. Contact runs on email and phone, giving a phone line and email rather than a single route.

How Prime Financial Services compares

Where Prime Financial Services is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is Prime Financial Services an insurer or a broker?+

It is a broker, not a risk carrier. Policies sit with insurers it places on your behalf, so the cover belongs to the insurer named on the policy while the broker handles the matching. The legal entity behind it is Prime Financial Services.

What kinds of policy can I buy?+

The range is life and income protection. That is a life policy or income protection, and other lines are not among them. Anyone wanting home, motor or health cover through the same arrangement has to look elsewhere for those.

How much do the policies cost?+

Premium on the quoted cover starts at $100 to $150. That places Prime Financial Services at 220 of 251 brands ranked on premium from, above the €8.31 median here, so price is the weak part of the package.

How long has it been trading?+

Prime Financial Services has traded since 1956 under the legal entity Prime Financial Services. For a broker, length of trading is the practical reassurance, since life and income protection policies are renewed and claimed on over the years rather than month to month.

Where is it based and how do I reach it?+

The business sits in the US, and contact runs on email and phone, so a phone line and email are both available for a claim or a mid term change. Outside that market, check the claim route before committing.

How much cover is available?+

On the professional liability line shown, cover limits are $1,000,000 per occurrence / $3,000,000 aggregate. That is the cap per claim occurrence and in total across the policy period, so a large claim is settled to that ceiling and no further.

How does it compare with the cheaper options?+

Linxea, at premium from €25, sets the cheaper end against $100 to $150 for the cover shown here. A buyer on a fixed budget should weigh whether a broker placed policy earns that difference for them.

Sources

  • pfinancialservices.com checked September 26, 2026

    Backs: Legal entity

    “Copyright 2026 Prime Financial Services”

  • pfinancialservices.com/about-us checked September 26, 2026

    Backs: Provider type, Founded

    “Originally starting as an insurance advisory firm, Prime quickly grew its client base and expanded its services to include financial guidance for medical professionals.”

  • pfinancialservices.com/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “50 Washington Street, Floor 7, Suite 908 Norwalk, CT 06854”

  • pfinancialservices.com/insurance checked September 26, 2026

    Backs: Insurance types

    “our specialized insurance plans that cover all three types of risks: Life, Disability, and Long-Term Care.”

  • pfinancialservices.com/nurse-malpractice-insurance checked September 26, 2026

    Backs: Cover limit, Premium from

    “a liability limit of at least $1,000,000 per occurrence”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

Prime Financial Services

Prime Financial Services

Life and income protection placed by a long established US broker.

8.7/10See alternatives