About Us
Group Employee Benefits
Welcome to P.M. Torres Insurance! I'm Patrina Wright-Torres and I am proud to be a native of Hudson County, New Jersey.
Having also lived in North Carolina and New York I have served the community as a journalist, educator, women's ministry leader, training and development specialist and ordained minister. I have over 20 years of experience in both the public and private sector as a small business owner.
I am passionate about helping self-employed, family-owned small business owners protect their business, employees and their families.
Disability Insurance
What is disability insurance? Disability insurance can help protect your paycheck in the event of accident, sickness or injury and can't work. Disability insurance can provide you with money to help pay your mortgage, car loan, rent, school tuition, food or other expenses.
For more information or a quote please contact us!
Cancer Insurance
No one wants to hear that they have cancer. For millions of Americans each year those words are a reality. A cancer insurance policy is designed to prove a lump sum to help patients and families navigate expenses and treatment that oftentimes accompanies the diagnosis. For more information or to obtain a quote please contact us!
Solutions We Offer
Dental Insurance
We partner with dental and vision insurance carriers to help you maintain coverage before you need it. Contact us for a quote.
Open Enrollment Period 2025
Do you need health insurance coverage? Are you concerned about cost, premiums or whether you qualify for financial assistance?
We prioritize our clients and strive to deliver exceptional service.
We're available to help you navigate open enrollment and beyond.
Final Expense & Whole Life insurance helps provide funds needed to pay for funeral, celebration of life, memorial services. We also offer assistance with important documents such as will preparation, healthcare directives and special needs trust for families. Please contact us for more information! We'd love to serve you.
Health Insurance for Self-Employed
Affordable Coverage
Our health insurance plans for self-employed individuals provide comprehensive coverage at affordable rates.
Flexible Plans
We offer a range of plans that can be customized to fit the unique needs of self-employed individuals.
Tax Benefits
Self-employed individuals may be eligible for tax benefits when purchasing health insurance through our plans.
No Networks
Our plans offer the flexibility to choose any doctor or hospital without being restricted to a network.
Prescription Drug Coverage
Our plans provide coverage for prescription drugs, including both brand-name and generic medications.
Easy Enrollment
Enroll in our self-employed health insurance plans easily online or by phone.