Financial Products

With the variety of life Insurance and financial products we provide, we can help you meet a number of business and financial needs.

Please review the full range of products and contact us 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 accumulation. For all
of these reasons, life insurance can be important for someone
starting out - or for someone starting out - or for someone starting over. 



You can use the articles on this page to learn more about
the various types of life insurance that are available.

• 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
  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. Universal life,
  however, offers you flexibility that enables you to change
  your premiums and 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 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.
  
  
  
• # Offered by NYLIFE Securities LLC. (member FINRA/SIPC)
  
  
  
  
  
  
  
  

Annuities - An annuity is a unique financial
vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream
of income payments.





Deferred annuities offer the advantage of tax-deferral
and can be used to accumulate money for retirement.

You can use the articles below to help you learn more about which annuity might be right for you.

• Variable
  Deferred Annuities# - 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 that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.
  
  
  
  
• Fixed
  Interest Deferred Annuities - With a Fixed Interest
  Deferred Annuity, the interest rate on your policy is
  guaranteed never to fall below a certain amount. For many
  people, this provides a measure of security about their
  investment.
  
  #offered by NYLIFE Securities LLC (member FINRA/SIPC)
  
  Income annuites are used to generate a stream of income payments that is guaranteed to last for as long as you need it to - even for the rest of your life.

• Lifetime
  Income Annuities - 
  An Income Annuity where income payments begin immediately - one period after the annuity is purchased. 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.
  
  
  
  
  
  
  

 
Investments# - We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.



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

Long
Term Care Insurance  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
Products - Other products such as Disability Income Insurance, Individual and Group Health Insurance products.

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



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