Rhode Island's Independent, Bilingual Medicare & Insurance Agency
Medicare, Life Insurance & Retirement Planning
— Explained Simply, Right Here in Your Community
Choosing the right Medicare plan, life insurance policy, or retirement strategy shouldn't feel like a maze. As an independent, family-run agency based in Lincoln, Rhode Island, we compare options from 15+ A-rated carriers and walk you through them in plain in English, Spanish & Portuguese — at your pace, with no pressure to decide today.
A+
A+ Better Business Bureau Accredited
25+
Years of Combined Industry Experience
A Family-Run Agency With Deep Rhode Island Roots
PG Financial Group was built on a simple idea: insurance decisions are personal, so the guidance should be too. Founded by Beiyanil Pena and rooted in Lincoln, Rhode Island, we've spent 25+ years combined helping retirees, families, and neighbors across the state and througt out New Englandunderstand their options — in English, Spanish, and Portuguese— without the sales pressure. We're independent, which means we work for you, not one insurance company.
How We Can Help
Medicare Plans
Compare Medicare Advantage, Medicare Supplement, and Part D plans from top Rhode Island carriers, with guidance on eligibility, enrollment deadlines, and cost assistance if you qualify.
Life Insurance
Term, whole, final expense, and indexed universal life policies sized to fit your family's budget and goals — not a one-size-fits-all quote.
Long-Term Care
Long-term and short-term care coverage that protects your savings and your family, with Rhode Island's asset-protection partnership program factored in.
Retirement Planning
Social Security timing, annuities, 401(k)/IRA rollovers, and estate planning — coordinated alongside your Medicare and healthcare decisions, not separately.
Why Rhode Island Families Choose PG Financial Group
Independent & Multi-Carrier
We compare plans from 15+ A-rated insurers, including Blue Cross Blue Shield of RI, Aetna, and UnitedHealthcare, so the recommendation is based on your needs, not one company's quota.
Bilingual, English, Spanish & Portuguese
Get answers in the language you're most comfortable in.
A+ BBB Accredited
An independent, third-party mark of trust and accountability.
Family-Run, 25+ Years Combined Experience
You work directly with our team, not a call center.
We Go Above and Beyond
From annual plan reviews to help navigating Medicaid and Extra Help for those who qualify, our support doesn't end at enrollment.
Proudly Serving Rhode Island Families
PG Financial Group is based in Lincoln, Rhode Island, and serves clients throughout Providence, Pawtucket, Cranston, Warwick, Cumberland, and Central Falls, as well as surrounding Rhode Island and New England communities. Whether you prefer to meet in person, by phone, or virtually, our team is never far away.
PG Financial Group, LLC Lincoln, Rhode Island (866) 617-4234
Don’t see your area? Contact us — we likely serve your region too.
Reach out
Request a quote or schedule a free consultation, whichever is easier for you.
Talk it through
We'll compare your options across carriers and explain everything in plain language, in English, Spanish & Portuguese
Decide with confidence
Choose the plan that fits, with no pressure and no obligation.
Stay covered
We review your plan annually and are here whenever your needs change.
Testimonials
What Our Clients Are Saying
"These guys have done excellent in taking care of me for many years. I've come close to missing payments and they have always made sure I didn't. Great folks all the way around. Highly recommend!"
-Sam Heise
"Always a pleasure to see the team at Omega Insurance. Very personal experience exploring and analyzing all of the options available for me. Top shelf all the way."
-Walter Deen
"The Dulls and their Crew are AWESOME!! Always doing the best for us as a customer, and engaged in being part of the Communities they serve!!"
-Greg Schrempp
Stay Connected With Us!
Frequently Asked Questions
Is PG Financial Group an independent insurance agency?
Yes. We're an independent, multi-carrier agency, which means we compare plans from 15+ A-rated insurers rather than representing just one company.
Do you offer bilingual service?
Yes. Our team provides guidance in English, Spanish & Portuguese
What areas does PG Financial Group serve?
We're based in Lincoln, Rhode Island, and serve clients throughout Providence, Pawtucket, Cranston, Warwick, Cumberland, Central Falls, and the surrounding Rhode Island and New England area.
Can you help me apply for financial assistance with Medicare costs?
Yes. While we're not part of the Medicaid office, we can help guide qualifying clients through applying for Medicaid or Extra Help / Low-Income Subsidy programs to help with costs.
Is there a cost for a consultation?
No. Consultations are free and come with no obligation to enroll.
Already Know What You're Looking For?
If you've already spoken with us or know exactly which coverage you want, you can enroll directly using the links below. If you'd rather talk it through first, we're always happy to help — just reach out above.
Let's Find the Right Coverage for You
No pressure, no obligation — just a clear conversation about your options, in the language you're most comfortable in. Reach out today and let's get started.
A+ BBB Accredited · 25+ Years Combined Experience · Bilingual, English, Spanish & Portuguese
