Risk Management

A sound financial plan must address the insurance coverages you, your spouse and family members may require.

Life Insurance

Is an effective way to help protect your family's lifestyle and future.  It can also b used to pay for funeral expenses, repay outstanding debts, make charitable donations and provide living expenses for surviving family members. It can also be used to cover estate taxes and probate fees to enable your estate to be liquidated in the most appropriate manner.

Disability Income Insurance*

Is to help partially replace income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.

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