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.

Investment Strategies: Whether saving for college, retirement or some other purpose, we have various strategies that we can implement with you after analyzing your investor profile and identifying the products and services that will work best for you.

Retirement Income: 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 will be assured a steady, dependable source of income for life.

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance3, home and auto insurance3 as well as individual and group health insurance products3. We also have forged relationships with estate planning attorneys4 and certified public accountants4 to make sure you have access to local professionals we trust. If we don't offer it, chances are we can assist you in finding the right professional to accomplish your goals, regardless of what they offer. Please just ask.

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 Company and New York Life Insurance and Annuity 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.

4Neither New York Life Insurance Company, nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.

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