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New York Life







Life Insurance Explained
What to look for in a life insurance policy.

Do You Need Life Insurance?
Find out about life insurance plans.

What Type of Life Insurance
Learn about what life insurance plan is best for you.

What Are the Types of Life Insurance?
Find out about the types of life insurance plans.

Whole Life Insurance
Learn about whole life insurance.

Variable Life Insurance
Learn about variable life insurance.

Universal Life Insurance
Learn about variable life insurance plans.

Universal Variable Life Insurance
Find out about universal variable life insurance plans.



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Life Insurance
Universal Life Insurance

Universal life insurance provides permanent protection for your dependents and is more flexible than whole or variable life.

What it does:
It pays a death benefit to the beneficiary you name and offers you a low risk cash value account and tax deferred accumulation.

It allows you to earn market rates of interest on your cash value account.

It offers the right to borrow or withdraw from the policy during your lifetime.

It allows you premium flexibility.

It offers face amount flexibility.

What it doesn't do:
It doesn't offer you the account flexibility to invest in separate accounts such as money market, stock, and bond funds.

It doesn't allow you the account flexibility to split your money among different accounts or to move your money between accounts.




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