As licensed agents of New York Life Insurance Company and registered representatives of NYLIFE Securities LLC, we offer a variety of products that can help you meet a number of insurance and financial needs. Need to know how much coverage is right for you? Try our Life Insurance Calculator Worksheet.

Got questions on how an insurance or investment** product works? Need to know which type of permanent insurance policy to purchase? Should you  buy term and invest the difference or should you layer life insurnace coverage? We offer free guidance to help you make the best decision.

Click Here to request a Personal Q&A Session with a financial professional from our Houston office.

Life Insurance Products

• Custom Whole Life - New York Life’s Custom Whole Life Insurance is the first whole life insurance product that lets you select how long you pay premiums. Custom Whole Life is a patent-pending permanent life insurance contract that builds cash value, which can be accessed once your policy is paid-up. Its unique design allows you to: (1) coordinate the paid-up date of your policy precisely with your individual financial goals and timetable; and (2) access your policy’s cash values in the form of periodic payments.  This is one of the most versatile life insurance products in the industry. To learn more about how this product works click on the "Contact Us" page and request to be contacted by a professional agent. 
• Whole Life  - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value on a tax-deferred basis.
  
• Term Life  - Term Life policies provide coverage for a specific amount of time, such as 5 years, 10 years, or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
• Universal Life* - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
• Variable Universal Life** - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. The performance of this product is based on the individual performance of the underlying investment divisions.
• Survivorship Life - Survivorship Life insurance – available as whole life, universal life*, or variable universal life**, covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.