Working with a life insurance agent

New York Life insurance agents are licensed financial professionals who sell life insurance products issued by New York Life Insurance Company.  

Couple working with an agent

What are some of the benefits of working with an agent?

  • An agent can help you customize your insurance policy to fit your needs.
  • An agent can serve as a trusted guidance for the long term.
  • Your agent will be there for you when you or your beneficiaries need help the most.

Our agents can help you choose the products that can best address your needs. Their goal is to make sure that you’re not over- or underinsured in coverage, and they can provide you with information about other benefits and features that are relevant to your unique life circumstances (e.g., if you have a high physical risk job, you may want purchase an optional rider, in case something happens to you, the insured, and can’t pay your premiums).

When you contact one of our agents, the agent will ask about your financial goals and gather other details about your life. He or she will consider your finances, your family situation and obligations, and your appetite for risk. This will help you articulate, quantify, and prioritize your aims (if you haven’t already) and provide guidance on financial strategies and solutions to help achieve your financial goals.

This builds the foundation of a partnership between you and your agent where you work together as a team to assess and reassess your needs. It will allow you to adjust to any life changes that may affect your finances—now and in the future.

Person working on a laptop

We want to help you make the best use of every dollar you have and make the right choices to address the “what ifs” in life, so you can develop plan A and plan B through Z—from the known (buying a house) to the unknown (what will happen to the tax rate?) and everywhere in between (what if I want to retire at 60?). This includes connecting you with other service providers, such as estate attorneys, accountants, and more.

At New York Life, we provide trusted guidance through our 12,000 agents. They receive the education, training, and credentials needed to ensure that New York Life is ready to offer both protection and growth solutions for you and your family.

Our products and services are backed by company strength and stability to give you peace and mind. For 176 years, through multiple financial shocks, we’ve always been there when our clients need us. So, you know we mean it when we assure you that your benefits will be in place when your family needs them the most. 

How do I get started?

  • What does the process look like?
  • Preparing for a meeting with an agent.
  • Finding the right agent.

Remember that it isn’t just about getting coverage at a good price. It’s about finding an agent who will give you the time, attention, and financial guidance you deserve.

Are you ready to get started? An agent can help you every step of the way.

Once you connect with an agent who’s right for you, you’ll set up your first appointment—virtually or in-person. It’s a good idea to come to this initial meeting with the information you’ll need to answer the agent’s questions.

If you have specific questions or concerns, you should write them down ahead of the appointment, so you don’t forget to bring them up.

Be prepared to answer questions about everyone in your family who you want covered. You’ll need to provide their ages, medical histories, and personal habits.

You may also need to answer questions about your finances, including how much debt you have and how much your family would need to cover living expenses if you were to pass away.

This information helps the agent recommend the products and services that are best for you and your family and allows the agent to help you get the balance of benefits that work best for you.

Want to learn more about life insurance?

A New York Life financial professional can help determine what’s right for you.

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