Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future. Plus the cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease.* This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans.*

Long-Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

Retirement Income: Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it2. Either way, you will be assured a steady, dependable source of income for life.

Annuities and Mutual Funds: We offer fixed and variable deferred annuities for the accumulation stage of retirement, as well as guaranteedfuture or immediate lifetime income annuities (fixed income annuities) that can help you turn savings into an income stream that will last a lifetime. As a registered representative, I can help you meet your long term financial goals. 

Business Solutions: We will work with you, your accountant, and/or your attorney to understand your unique needs and to find the best solutions for you and your business. When needed, our agents will rely on our own experienced team of advanced planning professionals who have backgrounds in legal and tax areas to help ensure that your solutions are complete and sound. 

Employee Solutions: Our suite of group and volutary products helps you offer your eligible employees and their families add financial security. But we won't stop there. New York Life Agents make it their personal mission to connect with each individual and help address financial needs beyond what is being offered at the workplace.

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products3. If we don't offer it, chances are we can assist you.

To learn more about our products and services, please feel free to give me a call or request a free consultation. I'll be happy to answer all your questions.

*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.
^Guarantees are backed by the claims-paying ability of the issuer.
1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)
2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.
3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.