Life Insurance – Whole Life & Term Life

Guard your family against disaster. Life is priceless, so protect it with the right policy. What kind of policy is right for you & your family?

Why do you need life insurance?

Life insurance is the best way to protect your family’s financial security during uncertain times. Planning ahead and securing the right policy ensures that your family will have funds for bills, mortgage payments, and living expenses if you should pass away.

The protection a life insurance policy affords your family is priceless; the last thing you want your loved ones to worry about while they are grieving is how they will make ends meet. With the right policy, your family can make up for your lost income, fund your children’s educations, and pay funeral expenses.

Choose the right policy

Having an agent is the best way to choose the right policy. We’ll help you understand your options and find you the best price, so call us today at (516) 484-5200 to speak with Mike, who is a Chartered Life Underwriter.

Term Life

Term life is an affordable way to purchase a lot of insurance coverage for a fixed period of time. Unlike Whole Life insurance, Term insurance only pays a benefit if the policy owner dies before the policy term expires.

Advantages
  • Purchase a large amount of coverage at a competitive price
  • Ideal for limited needs
  • Can be converted to a permanent policy within a certain period

Whole Life

Unlike Term insurance, Whole Life is a useful planning tool that allows you to build a financial legacy for your family. Whole Life provides permanent protection and builds cash value that you can borrow against.

Advantages
  • A constant premium that is fixed for life
  • Eligible to earn dividends
  • Accumulates cash value over time
  • Useful financial planning tool
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