Insurance and Financial Products
I invite you to read about the insurance and financial products I offer below. To learn more about our products and services, please feel free to give me a call or request a free consultation. I'll be happy to answer all your questions. You can also use the articles on this page to learn more about the various types of insurance products that are available
Insurance Products
As a licensed agent of New York Life Insurance Company and a registered representative of NYLIFE Securities LLC, I can offer a variety of products that can help you meet a number of insurance and financial needs. We have also established relationships with other carriers for life and disability income insurance as well as individual and group health insurance products. As a result, chances are we can assist you in finding the right fit.
Life Insurance - Life insurance is an effective way to help protect your family's lifestyle and future. 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 and tax-free access to that value while living when distributions are configured properly. 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. The cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease.* This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans.* Learn Why Whole Life Can be Good for Your Portfolio
➤ Read more about How Whole Life Works
- 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, premiums escalate and/or 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.
➤ Read more about How Universal Life Works
- 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.
*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.
** Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company.
# Offered by NYLIFE Securities LLC (member FINRA/SIPC)
Long Term Care Insurance - Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.
Protect your family and your legacy with long-term care planning
People spend their lives saving money and building assets that will help them support their lifestyle later in life. There are several options that can help protect those assets and your family from a long-term care event to give you added peace of mind about the future. It’s never too soon to protect what matters most. Let’s design a plan together using long-term care options!
➤ Read these "Fast Facts" highlighting the importance of this planning
Financial Products
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.
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 and expenses associated with the contract. Please be aware than 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. There are usually no added fees associated with these contracts.
Guaranteed Income Annuities** - An income annuity where income payments begin immediately - one period after the annuity is purchased - or at a desired future date. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, guaranteed no matter how long you live, and regardless of how the financial markets perform.
Investments# - In conjunction with NYLIFE Securities and Eagle Strategies LLC, we offer extensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds and ETFs, 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.
**Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company.
# Offered by NYLIFE Securities LLC (member FINRA/SIPC).
Other Products *** - We offer other products, such as Disability Income Insurance, Individual and Group Health Insurance products.
*** 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.