Life Insurance Products & Services

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. 

With the variety of life insurance and financial products we provide, we can help you meet your personal or business needs.  Contact us.  We will help you analyze your needs and recommend appropriate solutions.  

Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years, 20 years, or 30 years. Term premiums are less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid and policy requirements are met. Universal life offers you flexibility that enables you to change your premium, contributions, and increase or decrease your death benefit as your needs change.

Variable Universal Life* - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment accounts. Assets allocated to the investment divisions are subject to market risk and may lose or gain value.

Survivorship Life - Survivorship life insurance – available as whole life, universal life or variable universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

Other Products

Fixed and Variable* Annuities & Investments* 

Disability Income Insurance

Individual & Family Coverage (Medical, Dental, Vision, Medicare)

Group Health, Life, AD&D, Short Term and Long Term Disability

Pension Plans (401(k), Defined Benefit, SEP Plans)

Long Term Care Insurance



*Securities offered by NYLIFE Securities LLC member (FINRA/SIPC)

Need a little help in deciding which products would be right for you and your family or your business needs? Please do not hesitate to contact us for additional information. We can recommend the appropriate products.