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NYLIFE Securities
MainStay Mutual Funds
Retirement Plan Services
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NYLIFE Securities
MainStay Mutual Funds
Retirement Plan Services
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You may be considering the best way to plan for your family's future. Ensuring that your income is protected in case something happens to you is a good place to start. Life insurance can help with that, and there are a few different options you can choose from. You can even decide to choose a combination of products to fit your unique needs. Take a look at how these options stack up below.
Temporary coverage, often with options that allow you to prepare for the future.
Guaranteed lifetime protection and access to cash value that's guaranteed to grow.
Long-term protection with the opportunity for cash value to grow based on market performance.
Long-term protection for those who aren't focused on accumulating cash value.
A set period of time, usually 10 to 20 years.
Lifetime protection as long as your premiums are paid.
Long-term protection.
Long-term protection.
Pay premiums for as long as your coverage lasts. With many policies, premiums are locked in for a set period.
Premiums are guaranteed to never increase, and there are options for how long and how often you pay—monthly, quarterly, or yearly.
Maintain your initial premium or adjust based on your budget or coverage needs.
Maintain your initial premium or adjust based on your budget or coverage needs.
None.
Guaranteed cash value growth that can be accessed when needed and may increase through dividends, when paid. These benefits accrue tax deferred, allowing you to maximize your savings.
Cash value that fluctuates based on market performance and can be accessed when you need it. These benefits accrue tax deferred, allowing you to maximize your savings.
In some cases, includes cash value growth that can be used for flexibility on premium payments. These benefits accrue tax deferred, allowing you to maximize your savings.
Death benefits can be transferred to beneficiaries tax free.
Death benefits can be transferred to beneficiaries tax free.
Death benefits can be transferred to beneficiaries tax free.
Death benefits can be transferred to beneficiaries tax free.
The guarantees of a whole life policy are based on the claims-paying ability of the issuer.
Accessing the cash value will reduce the total cash value and total death benefit.
