Himmelstein Financial

Himmelstein Financial is an insurance agent in Bloomfield, Connecticut. The firm operates as a full-service Brokerage General Agent specializing in life insurance, health insurance, and annuities, and it holds a 5.00 rating from the customers who have reviewed it. Its work centers on protecting retirement, insurance protection, preserving wealth, tax-efficient strategies, and securing legacies. The products it represents include life insurance, annuities, linked benefit products, and disability income.

Life insurance is a core part of the practice, with access to more than 20 carriers. Rather than shopping a case, the firm first develops a deep understanding of a client's health and financial situation and then directs the case to the carriers its experience shows will handle it best. Its proactive underwriting program aligns a client's impairments with the most appropriate carriers, and turnaround times can run as quickly as two weeks. Linked benefit long term care is another specialty: these are life insurance or annuity policies that include a rider providing long term care benefits when needed, leveraging each dollar up to three to five times in the event of an extended care need, with a death benefit for beneficiaries if the money is not used and a return of premium rider on single premium and certain flexible premium universal life policies.

Paul Himmelstein, CLU, ChFC, is president and owner. He began his career in 1978 with Prudential Insurance Company, started his own financial planning firm in 1980 specializing in estate, business, and retirement planning, and served from 1994 until 2003 as Regional Manager for ING and Washington Square Securities in Connecticut. He holds series 7, 24, and 63 licenses along with Life, Health, and Variable Insurance products licensing, and is a Supervisory Registered Principal for a branch of Advisory Group Equity Services LTD., member of FINRA SIPC. Office hours are Monday through Friday, 9am to 5pm, with Saturday by appointment.

The office sits on Mountain Avenue, about a tenth of a mile from Prosser Public Library and Roberts Green nature preserve, and roughly two tenths of a mile from Bloomfield Town Green. Wash Brook and Tunxis Avenue are both close by.

For agents and advisors across the Bloomfield area, Himmelstein Financial pairs decades of underwriting and case design experience with the carrier relationships to place policies that others cannot.