Life insurance: What Is it, How it Works

Finding Life Insurance in 30 second

Life insurance is important to ensure that your loved ones will be taken care of even when you’re not around. But how do you determine how much coverage you need and which type of policy is right for you and your family?

Whole Life

Secure Lifetime Protection with Whole Life Insurance


Whole life insurance is a type of insurance that provides lifelong protection and added benefits. It guarantees a life insurance benefit and helps you prepare for the future so that you can be ready for whatever comes your way. Policyholders of Whole Life insurance can receive dividends. Dividends can help increase the policy's cash value growth, but they are not guaranteed. We offer a variety of products to help you customize a combination of guaranteed death benefits and cash value growth that suits your needs.

Term Life

Get guaranteed protection and prepare for your future.


Term life insurance provides coverage for a set period and much more. Beyond short-term protection for your family, our term insurance helps you and your loved ones achieve financial preparedness for the future. Along with immediate protection, term life insurance offers features like converting to permanent coverage in the future if your life changes. This means it can help you achieve your goals at every stage of life.

Universal Life

Long-term Protection for Your Family

Looking for long-term protection for your family? New York Life offers universal life insurance policies that are flexible and guaranteed to meet your specific needs. Universal life insurance is an efficient way to give your family the long-term insurance protection they deserve. You can maximize your coverage while building cash value.

Small Business

Planning is Important for Your Business

No one knows when their time will come, including business owners. However, it is essential for business owners to plan ahead to avoid leaving their company, employees, and loved ones financially vulnerable. One of the critical steps in planning is obtaining life insurance for business owners. Life insurance for business owners serves as a safety net for the company and the owner's family. It provides financial security, peace of mind, and reassurance to the owner that their business and loved ones are protected in the event of unexpected death.

Protect your lifestyle at every stage of your life

We understand that life can be unpredictable. Whether you need protection against unexpected disability or long-term care during retirement, we can help meet your specific needs and help fill coverage gaps. Trust us to help protect your assets and your future.

Individual Disability

Protect your income in case of disability. If you own a business or are advancing in your career, you likely have plans for success. But what if something happens and you can no longer work? It's hard to imagine, but over 25% of people in their 20s today can expect to be out of work for at least a year due to a disabling condition before they reach the normal retirement age.1 That's why it's crucial to have disability insurance for individuals to safeguard your income.

Long Term Care Insurance

How to pay for your care when you can't do it yourself. You're saving for retirement so you can have the life you want. Long-term care coverage is important to help keep lifestyle. Did you know that 70% of people over 65 will need help with everyday activities like getting dressed or going to the doctor? Health insurance usually doesn't cover this care and almost half of people who need long-term care spend over $107,000. It's smart to buy long-term care insurance while you're healthy. If your health changes, you might not be able to get it later.

California Dental Insurance Plan Assistance

We also offer free guidance to help you choose the most suitable California individual dental insurance and family dental plans. Give us a call now to request a quote and receive answers to all questions related to choosing and purchasing family or individual dental insurance plans in California.