Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance…
the list and combinations seem endless. Do you know which life insurance policy type is right for you? At Joy Insurance Agency we can help. Our dedicated team of life insurance professionals understands New York’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.
Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.
Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life policies will pay dividends – although not always.
With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you. Contact Joy Insurance Agency today for more information and get a free NY life insurance quote!
Joy Insurance is a premier independent insurance agency. Our number one product is service; service specifically designed to reduce your losses and control your insurance costs. Our commitment is to provide clients with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public.