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Insurance: The invisible shield protecting you and your family.

As your life changes, so should your insurance coverage.

It’s important to review your insurance needs on a yearly basis: that includes life, health, disability, auto, and home. Insurance in all its forms creates an invisible shield around your life and protects you and your family’s financial stability. Here are a few things to consider.

Life insurance.

Although nobody likes to think about it, if you died tomorrow would your partner and kids be able to continue to live as well as when you were alive? Life insurance is used by millions to protect their loved ones against the unexpected. With it, you can ensure that they can pay the mortgage, meet living expenses, and even provide money for college through having adequate life insurance.

The two main types of life insurance include permanent life and term life.

Disability insurance.*

Did you know that disability insurance can pay up to 60% of your income if you suddenly become disabled and cannot work? It could help you meet your financial obligations until you’re ready to return to work.

Health insurance.*

Choosing the right kind of health insurance is also important when it comes to protecting your family. Many employers also offer flexible spending accounts, which allow you to pay for deductibles and other medical expenses with money from your paycheck before it is taxed by federal, state, local, and social security taxes.

Other types of insurance.

As part of a full financial review, you should also consider (and, in certain instances, will be required to have) your auto insurance, home, or renter’s insurance, and an umbrella policy, if necessary. Make sure your deductibles and amounts of coverage meet your current needs.

To discuss your life insurance needs, contact a local New York Life Agent. Click on the Talk to Us button to find an Agent.

* For informational purposes only. 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.

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