We are licensed New York Life Insurance Agents specializing in Term and life policies and we are experts in the suitability of these plans. Whether your need is whole life, universal life or the dozens of other insurance plan contracts we can explain - our New York agents are here to answer your questions or help with an existing plan.
A whole life insurance contract is one where a person or group takes out a contract policy to protect their family or significant others from early death of the primary acount holder. These are taken out through a NY Broker. Whole life means it is not temporary insurance - like Term policies. A whole policy will cover the insured until death or age 100 - whichever happens first.
Since these life policies are not temporary (10 years, 20 years etc.), their premiums will be higher - but the protection is greater and for a longer period of time. These are popular plans in New York.
Each person should examine what premium they can afford and the type of issue they should consider. After contacting for free help and quotes through our site of experts (link below), you will be shown many options and choices for the right life insurance contract - whether it is whole, term, variable or other.
Contact Us Direct with any Question: info@aitraining.com or use form link below.
Death Benefit
The death benefit from whole life plans can vary. They are comprised of the face value of the policy ($500,000, $1 million and so on) plus any cash value or minus any loans taken on the policy. These insurance plans in NY and elsewhere carry a value where you and your broker can arrange for loans on the policy while the plan is in effect. The death benefit may be affected if the loan has not been repaid. These loans are charged interest and can be deducted from the eventual death benefit payout should the whole life plan become claimed.
Broker - Agent
Insurance agents and life brokers in New York represent many companies that issues these plans. We train these brokers and represent NY policy holders. We are experts in the field and provide free help. Being licensed NY brokers as well only helps our service to pur website customers and visitors.
We can assist you in obtaining more information on all insurance policies. We are licensed insurance agents. Feel free to contact us using the fast help and question forms below.
Insurance Question Help or Quote on our help form.
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