It’s more than being insured, it’s being prepared.
Paul Edwards
Financial Services Professional helping individuals with Life insurance, Annuities and Long-term care. I help individuals to protect themselves, their families, their business and create, build, and preserve wealth
New York Life term life insurance Many families count on term life insurance for affordable, temporary protection. It’s typically used to cover a specific period of time—for when protection is needed most. But, it’s important to remember that not all term insurance is created equal.
At New York Life, we go way beyond basic protection, offering the most features and options available so you’re ready for whatever the future may hold. And since no two families are alike, we make it easy for you to “custom tailor” your protection for the right fit. It’s the kind of value that’s hard to find anywhere else. The versatility and opportunity for growth you need.
Understanding that needs evolve over time, our term life policies allow you the flexibility to adjust your coverage as your needs change. If you decide you want lifelong protection, you can upgrade to a permanent solution. And if you want to keep your term policy but reduce the coverage, your term policy may be decreased to as little as $100,000 of life insurance protection.
Purchasing term life from New York Life today, allows you to convert to permanent insurance in the future - no matter what happens to your health. You’ll enjoy the option to convert your term policy to a wide range of permanent You can choose to turn back the clock and pay your new permanent insurance premiums based on the age at which you initially purchased your term policy—instead of your age today— saving you money over the life of your policy.
A guaranteed feature that lowers the cost of your first year of permanent protection if you upgrade within the first five years of your term policy. If you choose to upgrade to whole life insurance within the first three years of your term policy, you can add the Chronic Care Rider without any additional medical exam or lengthy questionnaires.
Conversion privilege. Original age term conversion. Conversion credit. Simpler access to chronic care protection. insurance products—without having to go through another medical exam. And in addition to typical conversion features, we offer unique options that may make it easier, more affordable or more versatile over time.