New York life insurance companies provide many choices. There are term and no-medical-exam policies available throughout the state, while companies like Mutual of Omaha provide whole life policies that gain interest over time and offer dividends as part of their service offering.
People who opt for this company can take advantage of competitive premiums and an established local office network. Furthermore, this insurer draws far fewer complaints to state regulators than expected for companies of its size.
PWG Insurance Agency
New York life insurance agencies provide families with an array of services and programs designed to manage their assets effectively. Their term, whole and universal policies can be used to secure mortgages or debts, pay college tuition bills or generate retirement income; as well as transfer wealth. They even develop long-term care and health insurance programs.
The New York Life Insurance Company provides an array of life and disability policies. Policies may be purchased either directly from agents or online; term policies offer variable face amounts while whole life offers investment-backed options. In addition, rider options can also be added onto policies.
The New York Life Insurance Company stands out among senior-centric life insurers by providing competitive rates and numerous options. Furthermore, its customer satisfaction and financial strength ratings from AM Best (A++ (Superior)) are outstanding; furthermore it offers policies tailored to people with preexisting conditions including smokers or those who suffer high blood pressure which offer no medical exam requirement – plus it boasts a convenient mobile app and online portal with customer service representatives available 24/7 by phone!
Great World Insurance Agency LLC
Great World Insurance Agency LLC is a full service independent agency with locations in both New York City and Florida, offering top products from 174 major carriers with attentive local agent support. Life, health, disability, retirement and human capital management solutions from this provider. Their educational business philosophy and unique roster of carrier partners enable them to provide solutions for hard-to-place individuals, high net worth families and small businesses alike. Garnet Wilson joined the company in 2011 and currently serves as its licensed life and health agent in both New York and Florida, with 35+ years of experience as well as a B.A. from University of Arizona in Business Administration under his belt.
BQ of New York Inc.
Silver Lining Insurance, located in New York, provides an array of life and health insurance policies. Their policies cover term and permanent life coverage options as well as disability insurance, retirement planning services, special needs planning services, personal umbrella, auto, homeowners’ policies as well as business property, workers compensation and general liability policies; plus agents hold various Chartered Life Underwriter, Certified Insurance Counselor or Chartered Financial Consultant designations.
MassMutual was selected as the runner-up for Best Overall Insurance Provider. Based in Massachusetts and boasting strong ratings from all three rating agencies, MassMutual stands out among life insurers as an outstanding choice, with its Secure Wealth Plus policy offering customizable payment schedules and the option for policyholders to borrow against cash value of their policies.
Not to be underestimated is the fact that life insurance rates depend on many different variables. Your location, age, gender and smoking status all play a part when calculating premiums; your life insurance agent can assist in finding out the appropriate amount of coverage for your unique situation. Some life insurance companies even offer calculators to assist customers in this regard – taking into account current income, future expenses and assets in this calculation process.
Fidelity Investments
Fidelity Investments is a large financial services provider offering banking and investment products. Their website features articles, videos, webinars and Q&A sessions on numerous topics – users can also utilize the Virtual Assistant for help on specific issues; customer service representatives are readily available by phone or email for customer assistance; there are multiple categories of content including expert insights, money tips for women investors and wealth management insights.
The company provides investors with a range of tools, such as market research and trading analysis. It boasts more than 20 independent research firms as well as its proprietary tool called StarMine which compiles analyst ratings based on accuracy in the past – all to assist investors in selecting quality stocks while avoiding costly mistakes.
Firm provides insurance solutions to both individuals and businesses alike, from term policies lasting up to 30 years, as well as traditional universal life and variable universal life policies, with riders to protect your income and assets. In addition, Bankrate’s study of life insurance companies ranks this firm highly, as do its knowledgeable agents offering excellent customer service and New Yorkers can benefit from the 31-day grace period for late premium payments allowing plenty of time for them to catch up with payments before their policy lapses.
MassMutual
MassMutual Life Insurance Company was established in 1851 and prioritizes long-term security over short-term profits for its policyholders. Thus it has survived three major wars as well as the Great Depression with an excellent financial strength rating, meaning it will likely pay its claims when necessary. MassMutual has also played an instrumental role in supporting communities throughout its existence by offering disaster relief aid and helping grieving survivors cope with losses of loved ones.
The company provides both whole life and universal life policies to meet customer needs, with whole life policies offering fixed premiums with dividend potential; though these dividends may not be guaranteed every year since 1869.
MassMutual offers life insurance products through financial professionals or directly on its website, as well as through an intuitive mobile app for managing policy and payments. Both App Store and Google Play rate the app highly; furthermore, its calculators include ones to calculate coverage needs, college savings plans and budgeting strategies – plus many others!
MassMutual offers no-medical-exam life insurance to applicants up to age 64, offering $250,000-$3 Million of coverage. Their agents are experienced at helping customers select an adequate policy amount suited for their specific needs.
State Farm
State Farm may offer the ideal balance of affordable premiums and user-friendliness when it comes to life insurance policies. Their user-friendly mobile app and website make payments, tracking claims, starting new ones quickly, etc. easier. Plus they have a selection of riders available to protect your finances even further.
State Farm stands out from other life insurers with its strong digital tools and nationwide network of agents, as well as competitively priced home and auto policies with optional coverages that can be added onto plans. State Farm earned high customer satisfaction ratings from J.D. Power individual life insurance study as well as an A++ (Superior) rating from AM Best.
This company provides term and whole life insurance, disability waiver of premium, final expense policies and contestable period policies – with term policies designed for specific periods, while whole life policies provide permanent protection and guaranteed cash value. Term policies cover a certain time frame while whole life policies offer permanent coverage with guaranteed cash value accumulation over time. Furthermore, contestable period policies enable policyholders to cancel within two years without incurring penalties for cancellation.
All of the companies listed have lower than expected complaint rates when compared with insurers of similar size, according to data from the National Association of Insurance Commissioners. Furthermore, Consumer Reports rates them highly for their competitive prices and exceptional service.