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Life Insurance Information
Life Insurance for Residents Across New York
Leave your Loved Ones with Memories, Not Bills
The average cost of a funeral, in 2020 is $7,000 to $12,000 and this does not include cemetery costs.
- Many count on this protection to help pay for final expenses, unpaid medical bills, outstanding loans, credit card payments and other debts.
- Even if you already have life insurance, you may still be under-insured. Inflation may have cut its value dramatically, so the insurance you bought even a few years ago may not be enough.
While it may be difficult to imagine, it’s important to prepare in advance for a time when you will no longer be around. You have worked very hard for everything you have and a proper life insurance policy will protect your loved ones and your assets when you have passed on.
Whether you’re a young professional starting a family or a veteran business owner getting ready to retire, life insurance can offer you many options. Our dedicated team can find the right plan or mixture of plans – for your specific needs.
For New York residents, there are two main types of life insurance: term and whole. Here’s how they compare:
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.