Life Insurance in Rhode Island
Omar Catlin is a licensed life insurance broker based in Rhode Island (NPN 19107979), licensed in 19 states, with free quotes on term, whole and universal life.
Local, licensed agents serving all of Rhode Island. Get personalized guidance on Life Insurance, Medicare, Final Expense, and Retirement Planning. No call centers, no pressure — just honest advice from your neighbors.
Serving Providence, Warwick, Cranston, Pawtucket, East Providence, and all Rhode Island communities.
Find the Perfect Coverage
for Your Family
As an independent agency, we work for YOU — not the insurance companies. We compare plans from multiple top-rated carriers to find you the best coverage at the best price.
Final Expense Insurance
Cover funeral costs and final debts to protect your loved ones from financial burden. Simple approval, no medical exam required.
Term Life Insurance
Maximum protection at the most affordable price. Perfect for young families, new homeowners, and income replacement needs.
Whole Life Insurance
Permanent coverage with guaranteed cash value growth. Build wealth while protecting your family's future.
Universal Life Insurance
Flexible permanent coverage that adapts to your changing life and income. Adjust premiums and death benefits as needed.
Annuities
Turn your savings into guaranteed retirement income you can't outlive. Create your personal pension plan today.
Medicare Solutions
Navigate Medicare with expert guidance. Find the right Supplement, Advantage, or Part D plan for your healthcare needs.
Medicare open enrollment: October 15 to December 7
Your Medicare plan can change every year
Changes for 2027 take effect January 1, 2027. Omar Catlin, a Licensed Medicare Agent/Broker at Life Catlin Insurance here in Rhode Island, compares plans for you side by side, at no cost to you.
Start the 5-minute online plan checkEverything can be done online, from home.
Read the transcript
Your Medicare plan can change every year. Did you notice what changed for 2027?
Medicare open enrollment runs October 15th through December 7th, and changes take effect January 1st, 2027.
Omar Catlin, at Life Catlin Insurance, is a licensed broker here in Rhode Island. He compares plans for you, side by side, at no cost to you.
Start with the five-minute online plan check, at lifecatlininsurance.com/medicare-review. Everything can be done online, from home.
Open enrollment ends December 7th.
On screen at the end: the Life Catlin Insurance logo, “5-minute online plan check,” lifecatlininsurance.com/medicare-review, and the Medicare disclaimer shown next to this video.
We do not offer every plan available in your area. Currently we represent 12 organizations which offer 100 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Why Rhode Islanders Choose
Life Catlin Insurance
Local & Independent
We're your Rhode Island neighbors, not a faceless call center. Real people providing real service.
Compare & Save
We shop multiple carriers to find you the best coverage at the lowest price. No obligation, no pressure.
Expert Guidance
Licensed, experienced advisors who take time to understand your needs and explain your options clearly.
Omar Catlin
Licensed Insurance Agent · NPN: 19107979
Hi, I'm Omar! I founded Life Catlin Insurance with a simple mission: to help Rhode Island families protect what matters most. With years of experience in life insurance and Medicare, I take the time to understand your unique situation and find the coverage that truly fits your needs — not just what pays the highest commission.
As your local agent, I'm just a phone call away. No pushy sales tactics, just honest advice from someone who genuinely cares about your family's financial security.
What Rhode Island Families Say
Real reviews from real clients we've helped protect their families
"Omar made getting life insurance so easy. He explained everything clearly and found me a policy that fit my budget. No pressure, just honest advice. Highly recommend!"
Maria R.
Providence, RI
"After my husband passed, I was overwhelmed. Omar helped me understand my Medicare options and got me the coverage I needed. He truly cares about his clients."
Donna T.
Warwick, RI
"I was paying too much for my final expense policy. Omar shopped around and saved me $40/month with better coverage. Local agents make all the difference!"
James C.
Cranston, RI
Proudly Serving All of Rhode Island
While based in North Providence, our services extend to every corner of the Ocean State. From Woonsocket to Westerly, we're your local Rhode Island insurance partner.
Providence County
Kent County
Washington County
Bristol County
Newport County
Serving: Providence, Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Coventry, Cumberland, North Providence, South Kingstown, West Warwick, Johnston & all RI communities
Kids and coverage: quick answers
Do I need life insurance if I have kids?
Yes, if your children depend on your income. Term life insurance replaces lost income. A common rule of thumb is about 10 times your yearly income.
How much life insurance do I need?
Calculate your income replacement need, mortgage balance, education costs, and final expenses; Omar Catlin can do this with you free.
Frequently Asked Questions
Life insurance costs vary based on age, health, coverage amount, and policy type. Term life insurance for a healthy 35-year-old can start as low as $20-30/month for $250,000 coverage. Final expense insurance typically ranges from $50-150/month. We provide free quotes from multiple carriers to find you the best rate.
Your Initial Enrollment Period starts 3 months before your 65th birthday month and extends 3 months after. Missing this window can result in lifetime penalties. We help Rhode Islanders navigate Medicare enrollment, compare Supplement vs. Advantage plans, and avoid costly mistakes.
Not always. Many policies, especially final expense and some term life insurance plans, offer simplified issue or guaranteed issue options with no medical exam required. Traditional term and whole life policies typically require an exam but offer lower rates. We'll help you find the right option based on your health and budget.
Term life covers you for a specific period (10, 20, or 30 years) at a lower cost — perfect for covering a mortgage or raising children. Whole life provides lifelong coverage with guaranteed premiums and builds cash value you can borrow against. Term is like renting, whole life is like owning. We'll help determine which fits your goals.
Medicare Supplement (Medigap) plans work with Original Medicare, and you can see any doctor in the U.S. who accepts Medicare. Medicare Advantage plans usually use a network of doctors and hospitals. Costs differ by plan, so compare the whole year's cost: the premium, copays and drug costs. The right fit depends on your health, your doctors, your prescriptions and how much you travel. We compare the plans we offer in Rhode Island and explain the differences in plain English.
Yes! We are fully licensed in Rhode Island (NPN: 19107979) and work with only A-rated insurance carriers. As an independent agency, we're not tied to any single company — we work for you. We've helped over 500 Rhode Island families secure their financial futures with transparent, honest guidance.
Get Your Free Quote Today
No obligation. No pressure. Just honest answers from a real Rhode Island insurance expert.