Exceptional Products & Services

With the variety of life insurance and financial products we offer, we can help you meet any number of business and personal financial needs. Please review the full range of our product offering and contact us if you need any help or one of our agents to help you fully analyze your needs and recommend appropriate solutions.

Life Insurance - 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. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over.  

  • 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 or 20 years. Term premiums are often 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 Life1 - 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. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.  
     
  • Variable Universal Life2 - 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 divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward. 
     
  • 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.
     

Fixed Interest Deferred Annuities1 offer the advantage of tax-deferral and can be used to accumulate money for retirement. New York Life offers a lineup of various rate guarantees and lengths. 

Variable Deferred Annuities2 - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account. There are fees, expenses and risks associated with the contract. Please be aware than assets allocated to the investment divisions are subject to market risks and will fluctuate in value. 

Guaranteed Lifetime Income Annuities1 - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

Investments2 - We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 2,500 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

Long Term Care Insurance - Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

Other Products3 - Other products, such as Disability Income Insurance, Individual and Group Health Insurance products.

1. Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly-owned subsidiary of New York Life Insurance Company.

2.
Offered by NYLIFE Securities LLC (member FINRA/SIPC).

3. Products available through one or more carriers not affiliated with New York Life; dependent on carrier authorization and product availability in your state or locality.

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