Products

Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future. Plus the cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease.* This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans.*

Long-Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

http://nyl.com/products/ltc-california

Retirement Income (Annuities): Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it2. Either way, you can turn savings into an income stream that will last a lifetime.

Single-Premium Life Insurance (Asset Preserver): NYLIAC Asset Preserver is a single premium universal life insurance policy that includes an option to accelerate the death benefit during the insured's lifetime to cover qualified long-term care expenses on an income tax-free basis if the insured becomes chronically ill and satisfies the requirements necessary to accelerate benefits.

Asset Preserver offers a unique opportunity to leverage existing benefits that may have otherwise been used to self-insure the risk of becoming chronically ill and also provides a guaranteed death benefit. The Lifetime Money Back Guarantee1 provides peace of mind and allows the owner to maintain control over his or her assets by ensuring a refund of the premium payment prior to the acceleration of benefits should clients change their mind for any reason.

http://www.newyorklife.com/products/insurance/life-insurance/permanent/single-premium/single-premium-life

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products3. If we don't offer it, chances are we can assist you.

To learn more about our products and services, please feel free to give me a call or request a free consultation. I'll be happy to answer all your questions.

 

*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.

^Guarantees are backed by the claims-paying ability of the issuer.

1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.

3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.