What’s the difference between “types” of life insurance?

Term life insurance is a type of life insurance that provides a death benefit for a specific period of time (term), such as 10 years, 20 or 30 years. It is the most affordable type of life insurance and is designed to protect your loved ones from financial burdens, such as a mortgage or education costs, if you die unexpectedly during the term.

Permanent life insurance is a type of life insurance that provides lifelong coverage and includes a cash value component that grows over time on a tax-deferred basis. Unlike term life insurance, which only covers a specific period, a permanent policy remains in effect for your entire life as long as premiums are paid. 

What if I have health challenges?

High Blood Pressure, diabetes, weight, prior heart attack, TIA,  digestive issues or cancer history? Because of medical advances to treatment, insurance companies are much more willing and competitive to insure less than perfect health conditions. We have been very successful with clients who have been previously denied policies because of their health history. If you have a medical situation and a question about obtaining life insurance, please call us!

What about those Guaranteed Issue Final Expense products I see for $9.95 per month?

Well, they may work for some. They are very expensive for the amount of coverage you get and they have certain conditions. For example, $9.95 per month only buys $1,000 worth of insurance! So, a burial policy of $12,000 would cost $120 per month. That $120 per month could buy much more insurance with a conventionally issued policy.

What about health insurance pricing?

With the possibility of Covid-19 era health care subsidies about to expire, the Affordable Care Act AKA ”Obamacare’, rates on the Heath Exchanges may see significant increases. We have unique, competitive major medical and limited plan options with companies like Aetna, Blue Cross/Blue Shield, First Health and PHCS for self-employed, independent contractors and ‘Gig’ workers in New York who need access to wide hospital networks, preferred doctors and prescription plans that employees at large companies enjoy. You choose the plan that works best for you and your family.

Just click on the button for 2026 Plans, Rates and Enrollment!

Do you offer caregiving insurance?

Caregiving or being cared for is a real (and expensive) thing. Prepare for the financial probabilty or possibility early. We can help.

Life insurance with long-term care (LTC) focuses on protecting your assets and family from high care costs, offering “hybrid” policies (like Whole Life with LTC rider or Annuities with LTC) that pay for care or a death benefit, addressing fears of wasted premiums by guaranteeing some payout, and highlighting financial security for ailing, aging and staying home with dignity.