Life Insurance Agency in New York CityProducts & Services
How Life Insurance Works
A life policy is a contract between you and one of the many life insurance companies in which they will agree, in exchange for the premiums you pay each month, to pay a lump sum to your beneficiaries in the event of your death. That is a very basic description of what insurance companies do, but the reality is that there is a multitude of different policy types, each with its purpose.
There is so much more that your insurance can do for you than just providing your beneficiaries with money when you pass away. Life insurance brokers work with insurance companies to find a policy that you qualify for, that meets your needs, and that is in your price range.
Life Insurance Policy Options in NYC
We represent over 200 “A” rated carriers and can assist you with the personal touch in finding the right match for you. There are many different types of Life Insurance options available today. They all fall into two categories: Term Life Insurance and Permanent Life Insurance.
If you are a resident of Manhattan, Staten Island, Bronx, NY, or anywhere nearby who wants the most accurate life insurance quotes, get in touch with Margolis & Associates today.
Do you want to save money on Term Life Insurance? Of course, you do.
We know that most online websites give the impression that they’re saving you money because “no one will call.” Nothing could be further from the truth.
- All insurance carriers’ rates are the same for each age and health rating, regardless of whether they are quoted online or from an agent.
There are many reasons why people choose to purchase term life insurance or other types of life policies. Before you select a policy, it’s important to think about what you want to achieve.
- Is your goal to protect your loved ones and provide them with money if the worst should happen?
- Do you want to make sure your funeral expenses will be covered in Queens, NY?
- Do you want to make a plan to have a steady income for your retirement in Brooklyn, NY?
Insurance products can help you achieve all these goals and more, and they may be more affordable than you think. With the right policy you can:
- Replace Lost Income
- Pay Off Debt
- Cover College Expenses
- Funeral Expenses
- Money to Have Income for the Future
Protect your loved ones and plan for the future with life insurance in Suffolk County, Brooklyn, NY, or other communities in the Empire State.
Permanent insurance is coverage that is priced and designed to last a lifetime, not 10, 20 or 30 years.
All Permanent insurance accumulate cash value either through carrier dividends as in Whole Life or through underlying investments of mutual funds as in Variable Life Insurance or in an interest rate sensitive account as in Universal Life.
If you are searching for insurance products, you should find a broker that understands you.
Term Life Insurance and other products can be used for a multitude of purposes, including retirement and estate planning in NYC. Life insurance companies offer a variety of useful tools you can use to shore up the financial future, and by speaking to a broker like Margolis & Associates, you can get all the information you need to select the right products and figure out how they fit into your life.
We are a top insurance agency in Manhattan, NYC. Our team will take the time to find out about you and your goals so we can recommend insurance products that will cover you.
If you need life insurance in Nassau County, Staten Island, Bronx, Queens, NY, or anywhere else in the NYC area, Margolis & Associates can help you find the best policy for you.