For Fred Torlucci, founder and owner of FWT Insurance Services, helping people make sense of complicated decisions has become the foundation of his work. His approach is personal, educational and built around a philosophy he describes simply as “insurance with integrity.”
There’s also a new name behind the familiar business.
Formerly Fred Torlish, Torlucci changed his last name last year, returning to his family’s original Italian surname. For him, the change was a meaningful way to honor his heritage and reconnect with his family history.
Torlucci added a little humor to the change, saying he has always believed, “You’re not a true Italian unless your name ends in a vowel.” More importantly, he said the change gave him a stronger sense of pride in his name and where it came from.
That personal connection also reflects the way Torlucci approaches his work.
He entered the insurance industry in 2009 after working in accounting and looking for a new career opportunity during a difficult economic period. With no previous insurance or sales experience, he took a chance on a new field, learned the business and eventually launched FWT Insurance Services in 2015.
Over the years, Torlucci has consulted with more than 2,500 individuals and businesses and now serves more than 1,000 clients. His practice includes Medicare, health, life, dental, supplemental and travel insurance, among other services, and works with more than 15 carriers.
That growth has come largely through referrals and long-term relationships, reinforcing the personal approach Torlucci says has always guided the business.
Medicare has become a primary focus, but Torlucci says the real distinction is the relationship he builds with clients.
“Because I’m not a call center. When you call me, you get me,” Torlucci says. “You’re getting the same person.”
That consistency can matter in an industry that often feels complicated, especially when clients are making decisions involving health care and long-term coverage.
Torlucci believes much of his responsibility comes before a problem ever occurs.
“The best way to avoid that is to educate beforehand,” he says. “I proceed with a, what I call, a very overprotective approach.”
For him, that means helping clients understand what they are purchasing, preparing them for unexpected circumstances and making sure decisions are based on their individual needs rather than simply the lowest price.
“My mission every time is to educate people and empower them to make their own decisions and provide them the ultimate peace of mind,” he says.
Some of the most rewarding moments come years later, when clients realize the value of that preparation. Torlucci says one of his greatest sources of gratification is hearing someone say, “I’m so glad I listened to you,” particularly when a client is facing a serious health challenge and finds that the coverage they chose is there when they need it.
For Torlucci, that is what “insurance with integrity” ultimately means: education, consistency and being someone clients know they can call when circumstances change.
For more information about FWT Insurance Services, visit fwtinsurance.com.