Available Products

I invite you to read all about the insurance and financial products we can offer and to contact us for an in-depth discussion of your financial goals.

 

 

 

 

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.  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 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 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. 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.
     
  • Asset Preserver - Asset Preserver is a considered a "blended product." It is a universal life insurance policy with a long-term care option that allows you to access the death benefit, income tax-free, to pay for certain long-term care needs. Your beneficiaries receive whatever death benefit moneys you have not used toward long-term care.

# Offered by NYLIFE Securities (member FINRA/SIPC), 51 Madison Avenue, New York, NY 10010.

 

 

 

 

 

 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.
     
  • Income Annuities  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.
     
  • Variable Deferred Annuities#  fluctuates with the performance of your investment account. 
     
  • 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.
     
  • Immediate Income Annuities - As the name implies, Immediate Income Annuities are annuities under which income payments begin immediately - one period after the annuity is purchased.
     
  • Guaranteed Lifetime Income - A unique product concept 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. 

  •  Special Annuities - "Special Annuities" are actually two different annuity products in one. Our "Split Annuity" is used to generate income while preserving principal. Our "Income Enhancer" is used to generate income while accumulating money in a variable annuity# that has the potential to help you keep pace with inflation.

  # Offered by NYLIFE Securities (member FINRA/SIPC), 51 Madison Avenue, New York, NY 10010.



 

 

 

 

 

Long Term Care Insurance - Long Term Care insurance is designed to help protect your assets and preserve your freedom of choice. Many products and options are available.
 

   

 

 

 

 

 

Other Products - We also provide services and products in the areas of 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 me for additional information. I can help you analyze your needs and recommend appropriate products.


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