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Life insurance

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Whole life insurance

Guarantees you can count on.

Whole life provides a guaranteed death benefit and builds guaranteed cash value you can access for life’s major milestones—like paying for retirement, financing education, or making life easier if your insurance needs change.

What do I get with a whole life policy?

Whether you’re planning for your family’s future or building generational wealth, whole life offers a coverage that grows with you and your family.

Long-term protection

Coverage that stays with you for life, not just a set term

Dividend potential**

Opportunity to build value over time

Cash value* you can use in retirement

Builds over time and as your protection needs change, it can be accessed when you need it most

Premiums guaranteed^ to stay the same

Set payments that stay predictable year after year

^The guarantees of a whole life policy are based on the claims-paying ability of the issuer.

*Accessing the cash value of the policy will reduce the available cash surrender value and the death benefit.
**Though dividends are not guaranteed, New York Life has been paying them to policy owners every year for 164 years.