Protecting What
Matters Most.
Your trusted Queens insurance agent, here to safeguard your future and give you and your family complete peace of mind.
Lukenson Angrand
Licensed Life Insurance Agent · Luken Services LLC
With over a decade of experience in the insurance industry, Lukenson Angrand has dedicated his career to helping families in Queens, NY and across New York protect the people and things they love most. His client-first approach means you always get personalized coverage recommendations built around your life — not a one-size-fits-all policy.
As a trusted member of the Queens community, Lukenson understands that choosing life insurance can feel overwhelming. That's why he walks every client through their options clearly and patiently, ensuring you leave with a plan you fully understand and can afford.
Find the Right Plan for Your Family
Every family is different. We offer a range of life insurance products so you can find coverage that fits your needs and your budget.
Term Life Insurance
Affordable coverage for a specific period — 10, 20, or 30 years. Ideal for young families, mortgage protection, and income replacement. Simple, straightforward, and budget-friendly.
- Fixed premiums for the entire term
- High coverage amounts at low cost
- Convertible to permanent coverage
- Best for ages 20–50
Whole Life Insurance
Permanent protection that lasts your entire life, with a guaranteed cash value that grows over time. Your loved ones are protected no matter what.
- Lifelong coverage — never expires
- Builds cash value tax-deferred
- Guaranteed death benefit
- Fixed premiums that never increase
Universal Life Insurance
Flexible permanent coverage that lets you adjust your premiums and death benefit as your life changes. Combines protection with investment potential.
- Adjustable premiums and coverage
- Interest-bearing cash value
- Flexible to life changes
- Long-term wealth building
Final Expense Insurance
A smaller, affordable whole life policy designed to cover end-of-life expenses — funeral costs, medical bills, and outstanding debts — so your family isn't left with a financial burden.
- Easy approval — no medical exam
- Coverage from $5,000 – $50,000
- Premiums never increase
- Ideal for ages 50–85
A Local Agent Who
Truly Cares
Unlike large corporate insurers, Lukenson Angrand is a local Queens professional who takes the time to understand your unique situation. He isn't just selling a policy — he's helping you build a safety net for the people you love.
Get your personalized quote the same day you reach out — no long waits.
We serve the diverse Queens community in English and Haitian Creole.
We find plans that protect your family without straining your finances.
Your agent doesn't disappear after the sale — we're here whenever you need us.
Getting Covered is Easy
Three simple steps to protect your family's future.
Free Consultation
Call or book online for a no-obligation consultation. We'll listen to your needs, goals, and budget.
Personalized Quote
We compare plans from top carriers to find the best coverage at the right price for your family.
You're Protected
Sign your policy and relax — your family is covered. We handle all the paperwork for you.
Life Insurance FAQs
Still have questions? We're happy to walk you through everything in a free, no-pressure consultation.
Ask Lukenson →How much life insurance do I need?
A common rule is 10–12× your annual income, but the right amount depends on your debts, dependents, and financial goals. We'll help you calculate the exact amount during your free consultation.
How much does life insurance cost?
Premiums depend on your age, health, coverage amount, and policy type. A healthy 30-year-old can get $500,000 in term life coverage for as little as $20–$30/month. We'll find a plan that fits your budget.
Do I need a medical exam to get covered?
Not always. Many final expense and simplified issue policies require no medical exam at all. For other plans, a short health questionnaire is often sufficient. We'll guide you to the easiest path to coverage.
What's the difference between term and whole life?
Term life covers you for a set number of years (e.g., 20 years) and is the most affordable option. Whole life covers you permanently and builds cash value over time. Which is better depends on your goals — we'll explain both clearly.
Can I get life insurance if I have health issues?
Yes, in most cases. There are guaranteed issue and graded benefit policies designed for people with pre-existing conditions. We work with multiple carriers to find you the best available option.
Ready to Protect Your Family?
Get a free, no-obligation quote today. It takes less than 5 minutes.
Queens, NY · Mon–Fri 9 AM – 6 PM · Sat 10 AM – 4 PM