TORRES PREMIER FINANCIAL
TORRES PREMIER FINANCIAL
Torres Premier Financial is a life insurance and retirement firm helping families protect their homes and income, grow retirement security, and build wealth that outlives them — with honest guidance, a clear process, and zero pressure.
MORTGAGE PROTECTION • RETIREMENT SOLUTIONS • WEALTH STRATEGIES • LIFE INSURANCE
Request Coverage Current Clients Build With UsTorres Premier Financial was founded on a simple conviction: every family deserves the same quality of protection planning that wealthy families have always had access to — explained in plain language, priced honestly, and built around the people they love.
Most families are one unexpected event away from financial hardship — not because they failed to plan, but because no one ever sat down and walked them through their options. We exist to close that gap. From the first conversation to the day a claim is filed, our clients work directly with a licensed professional who knows their name, their goals, and their family.
We serve clients virtually across 31 states, which means professional guidance on your schedule — evenings, weekends, from your kitchen table — without sacrificing the personal standard of a private firm.
To protect families' homes, income, and futures with coverage that fits their real lives — and to make quality protection planning accessible in every state we serve.
Treat every family's future like our own. That means honest answers, clear numbers, and recommendations we would make to our own family — or we don't make them.
No pressure, no obligation, and no jargon. We educate, you decide. If a plan doesn't make sense for your goals and budget, we will tell you so.
Torres Premier Financial serves three people — and each one gets a path built for them. Choose yours:
New here? You found us through an ad, a post, or a referral and you're interested in coverage.
Already working with Michael? You came to us as a lead and put protection in place — this is your service door.
Want to build with us? Future agents who want training, standards, and a firm with a family mission.
Four disciplines, one goal: a protection plan that holds up in real life. Every recommendation begins with understanding your family, your obligations, and your budget — then matching solutions to all three.
Your home is likely your family's largest asset and its foundation. Mortgage protection is designed to pay off or pay down the mortgage if you pass away or face a serious illness, so the people you love can stay in their home without scrambling to cover the payment.
Retirement isn't just about what you accumulate — it's about income you can count on, protected from the risks that derail most plans. We help you build retirement strategies that put protection first, with growth that fits your goals and your timeline.
Wealth is not just what you earn — it's what your family keeps, across generations. Our wealth strategies focus on cash value growth and legacy planning that put your money to work while keeping protection at the center of the plan.
Life insurance replaces income, covers debts, and protects your family's standard of living if you're no longer there to provide it. We walk through term, permanent, and indexed solutions and match the right structure to your family's needs — including living benefits on many solutions that can help while you are still here.
See the difference for yourself. Enter your mortgage details and slide through the years to compare what a decreasing term policy would pay versus a level term policy — and what would be left for your family after the mortgage is covered.
Open the calculator full-screen · Illustrative only — not a quote. When you're ready, request coverage or call/text (210) 559-0605 for a personal review.
No guesswork and no surprises. Every client moves through the same five-step process, at their own pace.
A short conversation about your family, your goals, and what prompted you to reach out. No cost, no obligation.
We review any coverage you already have and identify gaps between what you carry and what your family actually needs.
You see real options at different levels, with clear numbers — including what fits your budget today. You decide.
If you move forward, we complete the application together and guide it through the carrier's underwriting process.
Your policy is delivered, explained, and reviewed with you over time as your family and goals change.
If you came to Torres Premier Financial as a lead and put a policy in place, you're family now — and service doesn't end at delivery. Life changes, and your coverage should be reviewed as it does: a new home, a new child, a new job, a change in health or budget.
Prefer a conversation? Book a client call or reach out the same way you always have — you'll get the founder, not a call center.
For your security, please don't send banking details, Social Security numbers, or full policy documents through any form on this site — we'll tell you the secure way to share anything sensitive when it's needed.
We're building a firm of professionals who protect families the right way — educated clients, honest recommendations, and a standard we're proud to put our name on. If that sounds like the business you want to build, start here.
You will understand what you're buying, why it fits, and what it costs — before any application is started. An informed client is a protected client.
We are not driven by a sales target. If a product doesn't fit your goals, budget, or health profile, we say so — and help you find what does.
Licensed in 31 states, with every license publicly verifiable below. Our name and license numbers are on everything we do.
You work with the founder directly — the same person from your first call to your policy delivery and annual reviews.
Phone and video appointments across the country, including evenings and Saturdays. Professional guidance without the office visit.
Policies need attention as life changes — marriages, children, new homes. Our client service door is always open, and reviews are part of the relationship.
Michael Torres — Founder • Licensed Insurance Professional
Michael founded Torres Premier Financial to give working families the kind of protection planning usually reserved for the wealthy — delivered personally, explained clearly, and held to a family standard.
Working virtually from Texas with clients in 31 states, Michael personally guides every client through the firm's five-step process: discovery, coverage review, options, application, and delivery. There is no hand-off and no call center — when you work with Torres Premier Financial, you work with its founder.
His philosophy is the firm's motto: Protect Today. Build Tomorrow. Leave a Legacy. Protection comes first, because everything a family builds stands on it.
Credentials
Line of authority: Life Insurance and Annuities
National Producer Number (NPN): 22281998
Texas resident license: #3521084
Licensed insurance producer in 31 states (directory below)
Michael Anthony Galindo Torres — NPN 22281998. Licensed insurance producer in the 31 states below. New Jersey and Virginia applications are pending and are not counted in the 31. You can verify any license independently through NIPR, Sircon, or your state department of insurance — we encourage it.
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Start with the coverage request form or book a call. We review your goals, your budget, and what you may qualify for, then walk through your options together. There is no obligation to move forward with anything that does not make sense for you.
Nothing. Discovery calls and coverage reviews are free, and there is no obligation to buy anything. We are compensated by the carrier only if you choose to put a policy in place.
We are licensed in 31 states — see the license directory above. If your state is not listed yet, reach out anyway and we will let you know your options.
No. Torres Premier Financial is a virtual firm — everything is handled by phone and video, on your schedule, wherever you live in our licensed states.
It depends on your income, debts, mortgage, and the people depending on you. That is exactly what the coverage review is for — we calculate it with you, in real numbers, rather than guessing.
Bring it to the review. We will look at what you have, what it actually does, and whether it still fits. Sometimes the right answer is to keep what you have — and we will tell you that.
Many families we serve have health histories. Different solutions fit different health profiles, and approval is always the carrier's decision. The right first step is a conversation about your options, not an assumption either way.
Timelines vary by product and carrier underwriting. Some applications are decided quickly; others take a few weeks. We guide the application personally and keep you updated until your policy is delivered.
Use the Client Service Request in the Client Services section above, book a client call, or call or text (210) 559-0605. You'll reach Michael directly.
Use the Agent Interest Form under Door 02 above. We will set up a conversation about licensing, training, and whether building with Torres Premier Financial is the right fit.
Start with a short coverage request or book a consultation directly. Either way, you will hear from Michael Torres personally.
Request Coverage Book a Consultation Call (210) 559-0605