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Life and Disability Insurance·Frisco, TXFor homesFor businesses

Curtis Tran

Promus Financial Group, LLC

Life and disability protection when income outgrew the plan

Financial Services Professional with Promus Financial Group in Frisco. Life, disability and long-term care insurance for households whose income has grown faster than the plan behind it.

In business
3 years
Service area
Frisco, Plano and northern DFW suburbs
Licensed
Licensed insurance agent, FSCP
Member
since 2024

What Curtis does

  • Term Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Long-Term Disability
  • Long-Term Care
  • Asset Flex
  • Business Life, Disability, and Long-Term Care Insurance
  • Key Man Insurance
  • Mortgage Protection Insurance
All services →

Problems Curtis solves

  • Income grew faster than the coverage set up years ago
  • Not sure the family would be covered if you died
  • A paycheck the household could not do without
  • Aging parents and the cost of care ahead
  • A business that depends on one or two key people

Who should call

  • Account executives and sales directors earning $150K–$400K+
  • Young families who have never had coverage reviewed
  • Business owners protecting partners and key people
  • Families carrying generational financial responsibility

The best introductionAn account executive or sales director whose income has outgrown the life and disability coverage set up years ago.

10 guides by Curtis

Answers Curtis gives clients every week

All life and disability insurance guides
Life and Disability Insurance Your income tripled and your coverage did not: a stress test for a high earner's household Sales directors and account executives tend to outgrow their protection without noticing. Here is how to test whether your life insurance, disability and long-term care coverage would hold up to a disability, a long illness or a death, and what the review with a licensed agent looks like. 9 min read What questions should I ask a life insurance agent before I buy a policy? Before you sign a life insurance application: the questions to ask the agent 7 min read Should I buy life insurance online myself or go through an agent? Buying life insurance online or through an agent: when doing it yourself works 7 min read Do I really need disability insurance, and what should the policy include? Do you really need disability insurance? How to tell, and what the policy should say 7 min read What happens when you apply for life insurance, and how long does underwriting take? From application to policy in hand: what life insurance underwriting involves 7 min read How often should I review my life and disability insurance, and what should I check? New job, new baby, new house: the yearly review that keeps coverage current 7 min read Is long-term care insurance worth it in Texas, and what is the Texas Partnership program? Planning for long-term care in Texas: what Medicare skips and what a policy may cover 7 min read Term vs whole life insurance: which is better for a young family? Term or whole life for a young family: how to decide without being sold 7 min read What are the biggest mistakes people make with life insurance? The life insurance mistakes families discover only when it is too late to fix them 7 min read What affects the cost of life insurance, and why do quotes for the same coverage differ so much? Why two life insurance quotes for the same amount can look nothing alike 7 min read

Why clients choose Curtis

Proof, not promises

  • Agent of and licensed to sell insurance through New York Life Insurance Company
  • Works with Promus Financial Group, LLC, Frisco office
  • FSCP (Financial Services Certified Professional), as shown on his New York Life agent page and his Promus Financial Group biography
Team
Promus Financial Group, LLC, Frisco

How it works

What happens after you reach out

  1. Learn about you Goals, where the client wants to be in 10 to 20 years, and what coverage and resources are already in place. The more Curtis knows, the more useful the recommendations.
  2. Prioritize goals into measurable objectives Together the client and Curtis turn goals like paying off the mortgage or making sure the children are provided for into clear, measurable objectives.
  3. Identify products and coordinate Curtis identifies insurance products that may help meet the goals and can consult with the client's financial, tax and legal advisors so everything fits the overall plan.
  4. Ongoing service Curtis works with the client over the years to keep the program on track as needs and situations change.

In Curtis's words

Situations Curtis handles every week

Income grew faster than the coverage behind it

Account executives and sales directors earning $150,000 to $400,000 or more often have life and disability coverage set up years ago for a smaller life. Curtis reviews existing policies and employer benefits and lays out options so the coverage matches the income.

Not sure the family would be covered

Life insurance is designed to meet a range of needs and goals. Curtis walks through how term, whole and universal life insurance work, the features and trade-offs of each, and what coverage amount fits the household's priorities, timeline and budget, including mortgage protection so the family can stay in the home.

A paycheck the household cannot do without

The ability to earn an income is one of a person's most valuable assets. Curtis discusses how long-term disability insurance may help protect income if sickness or injury keeps someone from working, using real-life scenarios rather than pressure.

Aging parents and the cost of care ahead

Long-term care insurance may help protect a person's or a family member's future and help preserve assets. Curtis helps clients who are planning ahead understand the options, from traditional long-term care coverage to Asset Flex, a New York Life policy that combines universal life insurance with long-term care benefits.

A business that depends on one or two people

When an owner, partner or key employee dies or can no longer work, the business can be put at risk along with the family. Curtis reviews business life, disability and long-term care insurance and key person coverage for owners who want the company protected.

Learning the financial system for the first time

Curtis grew up in an immigrant household in Nacogdoches where finances were a responsibility from a young age. He puts education first so families carrying generational responsibility, and people new to the system, can make decisions with clarity and confidence.

Services

Everything Curtis offers

Term life insuranceCoverage for a specific period, provided premiums are paid, sized to the years when the family most depends on the income.
Whole life insurancePermanent coverage designed to last a lifetime, for needs that do not end on a date.
Universal life insurancePermanent coverage with more flexibility in premiums and death benefit, matched to the client's priorities, timeline and budget.
Long-term disability insuranceCoverage that may help protect income if sickness or injury keeps the client from working.
Long-term care insurancePlanning ahead for care needs that may help preserve family assets.
Asset FlexA New York Life policy that combines universal life insurance with long-term care benefits; if care is never needed, it pays a life insurance benefit to the family.
Business life, disability and long-term care insuranceCoverage for business owners, partners and employees.
Key person insuranceCoverage on an owner or key employee whose death or disability would put the business at risk.
Mortgage protection insuranceCoverage designed to help the family keep the home if the income behind the mortgage stops.
Ongoing reviewService over the years to keep the coverage on track as needs and circumstances change.

Service area: Frisco, Plano, Dallas, Northern Dallas–Fort Worth suburbs

About

Curtis Tran

Curtis Tran is a Financial Services Professional with Promus Financial Group, LLC in Frisco and an agent with New York Life Insurance Company. He has been in the business for three years after a career in property management. His focus is life, disability and long-term care insurance for households whose income has grown faster than the plan behind it, and for business owners who need to protect partners and key people.

Curtis grew up in Nacogdoches, the son of immigrants from Vietnam, and handled family finances from a young age. That shapes his approach: education first, the whole picture reviewed rather than one product sold, and attention to families carrying generational responsibility or learning the financial system for the first time.

Why clients choose Curtis

  • Focuses on life and disability coverage, the two risks most likely to undo a high earner's plan
  • Reviews the whole picture (existing policies, employer benefits and family obligations) rather than one product in isolation
  • Education first: clients understand the decision they are making, with no obligation to purchase

Works alongside: Works alongside property and casualty agents, health insurance agents, mortgage lenders, family attorneys and estate planning attorneys, and can consult with a client's tax and legal advisors.

Member of BNI Preston Center since 2024.

FAQ

Questions people ask Curtis

What does Curtis Tran actually do for a client?

He learns the client's goals and current coverage, turns the goals into measurable objectives, identifies insurance products that may help meet them, and provides ongoing service as circumstances change. His lines are term, whole and universal life insurance, long-term disability, long-term care including Asset Flex, business and key person coverage, and mortgage protection insurance.

Who is his typical client?

Account executives and sales directors whose income and financial lives have become complicated faster than their coverage has. He also works with business owners, families carrying generational responsibility and people new to the financial system.

Is Curtis licensed?

His New York Life agent page states that he is an agent licensed to sell insurance through New York Life Insurance Company, and he holds the FSCP designation. A Texas agent's license can be checked with the Texas Department of Insurance.

Do I have to commit to anything to talk with him?

No. His New York Life agent page states that speaking with a financial professional is an opportunity to ask questions and learn more, with no obligation to purchase a product.

What is the difference between term and permanent life insurance?

As his New York Life agent page explains, provided premiums are paid, term life insurance covers a specific period, while permanent life insurance is designed to last longer and may include additional features. Curtis walks through when each may be appropriate.

Contact

Reach Curtis

CompanyPromus Financial Group, LLC
Office2591 Dallas Parkway, Suite 405, Frisco, TX 75034

Email goes through the referral form so the chapter can record the introduction.

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