At insureNYC.com we can help New York residents find the right life insurance policy at the best price. With personal service, fast turnaround, and two office locations in New York City (Eastside / Westside), we can make your Life Insurance purchase as easy as possible.
(212)799-7500 HOME
Insuring your life, securing your families future.
Life insurance can help provide continued financial support for your loved ones. Without you, their lives may never be the same. But that doesn’t mean their financial lives have to change.
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| Lincoln Benefit Life 10-Year Guaranteed TrueTermSM
Life Insurance Rates Male and Female Preferred Elite (No Tobacco)1 Monthly Premium. Offered in New York State |
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| Face Amount | $100,000 | $250,000 | $500,000 | $1,000,000 | ||||
| Your Age | male | female | male | female | male | female | male | female |
| 35 | 10.59 | 9.89 | 12.91 | 11.88 | 16.63 | 14.88 | 28.00 | 24.50 |
| 40 | 12.86 | 11.81 | 16.41 | 14.88 | 22.31 | 19.69 | 39.38 | 34.13 |
| 45 | 17.41 | 15.31 | 23.63 | 20.34 | 33.69 | 28.44 | 62.13 | 51.63 |
| 50 | 24.76 | 19.51 | 35.00 | 26.91 | 52.06 | 38.94 | 98.88 | 72.63 |
| 55 | 34.48 | 27.30 | 55.35 | 40.25 | 84.44 | 60.38 | 163.63 | 115.50 |
| Ask us today for your free personalized life insurance quote. | ||||||||
The importance of Life Insurance - a letter to Ann Landers.
I am a 43-year old widow with two children, 10 and 11 years of age. My husband passed away due to a sudden seizure. He was only 37. Although “Tom” made a good living, we were just getting by and never managed to save anything. The only life insurance Tom had was through his work, and that wasn’t much. When he died, I received benefits for one year. After paying the funeral expenses and outstanding debts, there was nothing left.
How it works is simple: you pay premiums as required by your policy and, should you pass on, your insurance company pays out a benefit to the person you name as your beneficiary. This can be anyone you choose — a family member or someone who’s just like family.
Life insurance can be a simple, reliable way to help provide for your family’s future. The protection it offers has many benefits.
Quick availability for urgent needs. Although life insurance benefits are included in your estate for estate tax purposes, they generally pass to your beneficiaries income tax-free. This means more money is available sooner to cover funeral costs or other immediate expenses. Benefits are usually free from the delay of probate.
Life insurance can be a simple, reliable way to help provide for your family’s future. The protection it offers has many benefits.
Quick availability for urgent needs. Although life insurance benefits are included in your estate for estate tax purposes, they generally pass to your beneficiaries income tax-free. This means more money is available sooner to cover funeral costs or other immediate expenses. Benefits are usually free from the delay of probate.
- One-time cash payout. Life insurance benefits can be paid out in one lump sum. Your beneficiary can decide how and when they want to use them. Because of this, they may not have to worry about making money last from payment to payment.
- Affordable protection. Some life insurance policies allow you to lock in the amount you pay for premiums for a number of years. By purchasing a life insurance policy while you’re young and healthy, it may cost less to insure you and your family later.
- Peace of mind. One of the most important benefits of life insurance is the positive feeling that comes from knowing your family will be taken care of.
Choose a policy that best meets your needs.
There are two basic types of life insurance policies: term and permanent. Both pay a death benefit but work in different ways to meet your needs.
There are two basic types of life insurance policies: term and permanent. Both pay a death benefit but work in different ways to meet your needs.
Term is for a set period of time.
Term Life insurance is a great way to get maximum income replacement/protection at a very affordable price. Usually Term insurance can be converted to a permanent policy latter in time. Term is usually less expensive because it only covers a set amount of time — such as 5, 10, 20 or 30 years. You choose the length of time and the amount your policy is worth. Then, your beneficiary receives the death benefit specified in your policy if you die before that term is over.
Term Life insurance is a great way to get maximum income replacement/protection at a very affordable price. Usually Term insurance can be converted to a permanent policy latter in time. Term is usually less expensive because it only covers a set amount of time — such as 5, 10, 20 or 30 years. You choose the length of time and the amount your policy is worth. Then, your beneficiary receives the death benefit specified in your policy if you die before that term is over.
Permanent is for life.
Permanent life insurance has no term limits. It continues as long as you pay your premiums. In addition, your premiums are used to create returns. This provides cash value, which for fixed life insurance usually accumulates at a guaranteed minimum interest rate and is available to help fund retirement, emergencies and more.
There are many different types of permanent life insurance, most of which provide a cash value. The most basic way to break them down is into fixed and variable. With fixed, your cash value earns a fixed rate of return. With variable, you have more control over how your cash value is invested, and your return may vary.
Permanent life insurance has no term limits. It continues as long as you pay your premiums. In addition, your premiums are used to create returns. This provides cash value, which for fixed life insurance usually accumulates at a guaranteed minimum interest rate and is available to help fund retirement, emergencies and more.
There are many different types of permanent life insurance, most of which provide a cash value. The most basic way to break them down is into fixed and variable. With fixed, your cash value earns a fixed rate of return. With variable, you have more control over how your cash value is invested, and your return may vary.
Universal Life
This type of insurance is broader than whole life in that it gives you more flexibility. For example: After paying a set initial premium, you decide when and how much more you want to pay into your policy. But you must maintain enough cash value in the policy to cover the cost of insurance and related charges. You can skip payments as long as your cash value is adequate to cover the cost of insurance and related charges. You can increase or decrease your death benefit amount without buying a new policy (subject to additional terms and conditions).
This type of insurance is broader than whole life in that it gives you more flexibility. For example: After paying a set initial premium, you decide when and how much more you want to pay into your policy. But you must maintain enough cash value in the policy to cover the cost of insurance and related charges. You can skip payments as long as your cash value is adequate to cover the cost of insurance and related charges. You can increase or decrease your death benefit amount without buying a new policy (subject to additional terms and conditions).
Variable Universal Life
This option combines some features of universal policies: The option of investing your premiums in one or more sub-accounts, ranging from conservative to more risky. After paying a set initial premium, you decide when and how much more you want to pay into your policy. You can increase or decrease your death benefit amount without buying a new policy (subject to additional terms and conditions). Your cash value growth increases or decreases depending on the performance of your investment choices.
This option combines some features of universal policies: The option of investing your premiums in one or more sub-accounts, ranging from conservative to more risky. After paying a set initial premium, you decide when and how much more you want to pay into your policy. You can increase or decrease your death benefit amount without buying a new policy (subject to additional terms and conditions). Your cash value growth increases or decreases depending on the performance of your investment choices.
Whole Life
Also known as straight life, this is the simplest form of permanent life insurance. Key features are: The premium remains the same throughout the life of the policy. (Start young and this amount will be lower.) Cash value grows based on a guaranteed rate declared by the company each year. Opportunity to borrow against the cash value at the current policy loan interest rate.
Also known as straight life, this is the simplest form of permanent life insurance. Key features are: The premium remains the same throughout the life of the policy. (Start young and this amount will be lower.) Cash value grows based on a guaranteed rate declared by the company each year. Opportunity to borrow against the cash value at the current policy loan interest rate.
Use our online form and request quotes for the different types of life insurance listed above.
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Phone: 212.799.7500
Our office is located at: 165 West End Ave Ste 1H, New York NY 10023
Office hours: Mon - Fri 9 to 6 and Sat 11 to 3 - ONLINE 24x7 START TODAY!Let us help you find the right life insurance policy.
Copyright © insureNYC.com. All rights reserved.
Our office is located at: 165 West End Ave Ste 1H, New York NY 10023
Office hours: Mon - Fri 9 to 6 and Sat 11 to 3 - ONLINE 24x7 START TODAY!
Copyright © insureNYC.com. All rights reserved.