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Insurance.com's Deadliest Days to Drive: 2007 Update
Safe driving is no accident. As incentive for motorists to think safety-first, consider this sobering data on drivers’ deadliest days, dates and times, published by the National Highway Traffic Safety Administration (NHTSA).
Read entire article...
Motorcycle Safety Awareness Month: Quick Tips for Motorcycle Safety
That glorious season of the year has once again rolled around – the sun is shining, the weather's warming, and it's time to fire up your motorcycle and head out on the open road. Before you do, it's worth your time to review these five quick safety tips from Insurance.com – a timely topic since May is Motorcycle Safety Awareness Month.
Read entire article...
8 Things You Should Know About Auto Insurance
Dealing with the ins and outs of auto insurance can be as tricky and confusing as trying to untie the Gordian knot. Although we can’t help you with the knotty Gordian problem, the following recommendations could help you figure out some of the more complicated points of auto insurance.
Read entire article...
Insurance.com's 2006 Auto Insurance Pricing Report: Car Insurance Rates on the Decline
Based on data drawn from the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006, 37 states saw a reprieve in 2006 from the high costs of auto insurance.
Read entire article...
Top 10 Things to Know About Life Insurance
We all recognize the importance of life insurance. But before you run out and purchase a policy, do some research ahead of time. Here are some helpful tips to get you started…
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California's Low Cost Auto Insurance Program
In an effort to make sure that everyone has and can afford car insurance, law officials in California have launched a new Low Cost Auto Insurance program for low income residents.
Read entire article...
Insuring a Teen Driver in Single-Parent Home
If your teen is away at school, living part-time with an ex-spouse, or spending a significant amount of time away from your single-parent home, you may be wondering if you are still required to keep them on your car insurance policy. Insuring a teenage driver can be an expensive endeavor, but depending on the circumstance and practices of your car insurance company, you may not be required to keep them on your auto insurance policy.
Read entire article...
Top 10 Most Dangerous Jobs
It's a fact that some occupations are riskier than others. Is your job amongst the most dangerous? Find out if your job falls into the list of the top 10 …
Read entire article...
How to Buy Life Insurance
Buying life insurance is an easy way to protect your family. If you know what to look for, you can get great coverage at a great price. Find out what you need to know before you buy…
Read entire article...
Thursday, May 10, 2007
Auto Insurance
SEARCH Contact AIG AIG.com Site Map AIG AUTO INSURANCE AUTO INSURANCE BASICS AUTO INSURANCE FAQ AUTO INSURANCE GLOSSARY AUTO INSURANCE GUIDE
The Principal Types of Auto Insurance
Driving Without Auto Insurance
The Principal Types of Auto Insurance
--------------------------------------------------------------------------------
What Are the Principal Types of Auto Insurance?
If you are involved in an accident or have your car stolen, having the right kind of auto insurance can help protect you against financial loss. Auto insurance is simply a contract between you and your insurance company. You agree to pay the insurance premium and the insurance company agrees to pay your covered losses in the event of a claim.
There are seven major types of car insurance coverages available to you:
1. Bodily Injury Liability
This vital insurance is required coverage in most states. It applies to injuries that you, the designated driver or policyholder, cause to someone else. It pays the medical bills, lost income, pain and suffering, even funeral expenses for people who are injured in an auto accident (provided you were held responsible for their injuries). Family members listed on the policy are also covered when driving someone else’s car with their permission.
It is very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. You should therefore consider carefully whether the coverage you have chosen is adequate to protect your financial security against the expenses for which you could legally be held responsible. Expenses are only paid up to the limit of coverage you have selected, so you should definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This auto insurance pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. In addition, PIP will protect you and other household family members if you are injured while riding in another person’s car.
This is an optional insurance*, mainly because it may duplicate coverage in your comprehensive health plan. However, many policyholders believe that it is a good idea to carry Medical Payments coverage for those out-of-pocket expenses their health insurance may not cover (like an annual deductible or co-payments). Another reason to consider adding PIP when requesting an auto insurance quote is to ensure there is some protection for those passengers in your auto who may not have health insurance.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage caused to lamp posts, telephone poles, fences, buildings or other structures. With even used autos having book values of $15,000 or higher, it is in your best interests to get adequate coverage—enough to repair or replace someone else’s car.
As with Bodily Injury Liability insurance, it is probably better to overestimate, rather than underestimate Property Damage Liability coverage. This type of auto insurance coverage is mandatory in most states.
4. Collision
This coverage protects your car. It pays for damage to your vehicle resulting from a collision with another car or object, or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium.
Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car—minus the deductible—up to the limit of the actual cash value of your car. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, theft, falling objects, earthquakes, hail, floods, vandalism, riots or damage caused by hitting an animal (such as birds or deer). Comprehensive auto insurance also provides coverage, without a deductible, for transportation expenses incurred by you in the event of a covered loss. Comprehensive insurance will also reimburse you if your windshield is cracked or shattered after your policy’s deductible (if any) is applied.
If one of the covered damages occurs, you simply pay the deductible amount, and the comprehensive coverage pays the remaining repair or replacement expenses, up to the limit of the actual cash value of your auto. Comprehensive insurance is usually sold with a $100 to $300 deductible, though you might want to opt for a higher deductible as a way of lowering your premium.
States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver who is held legally responsible for your injuries. It pays medical and other related expenses up to the limits of the coverage you select.
Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.
7. Towing and Labor
Towing and Labor coverage helps to reimburse expenses you incur if your car is temporarily disabled. It is available if you have purchased at least Comprehensive coverage.
*Personal Injury Protection may be required if your policy is issued in a state which has “No Fault” or “Reparations” laws governing your auto insurance.
This article adapted from information provided by the Insurance Information Institute.
The Principal Types of Auto Insurance
Driving Without Auto Insurance
The Principal Types of Auto Insurance
--------------------------------------------------------------------------------
What Are the Principal Types of Auto Insurance?
If you are involved in an accident or have your car stolen, having the right kind of auto insurance can help protect you against financial loss. Auto insurance is simply a contract between you and your insurance company. You agree to pay the insurance premium and the insurance company agrees to pay your covered losses in the event of a claim.
There are seven major types of car insurance coverages available to you:
1. Bodily Injury Liability
This vital insurance is required coverage in most states. It applies to injuries that you, the designated driver or policyholder, cause to someone else. It pays the medical bills, lost income, pain and suffering, even funeral expenses for people who are injured in an auto accident (provided you were held responsible for their injuries). Family members listed on the policy are also covered when driving someone else’s car with their permission.
It is very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. You should therefore consider carefully whether the coverage you have chosen is adequate to protect your financial security against the expenses for which you could legally be held responsible. Expenses are only paid up to the limit of coverage you have selected, so you should definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This auto insurance pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. In addition, PIP will protect you and other household family members if you are injured while riding in another person’s car.
This is an optional insurance*, mainly because it may duplicate coverage in your comprehensive health plan. However, many policyholders believe that it is a good idea to carry Medical Payments coverage for those out-of-pocket expenses their health insurance may not cover (like an annual deductible or co-payments). Another reason to consider adding PIP when requesting an auto insurance quote is to ensure there is some protection for those passengers in your auto who may not have health insurance.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage caused to lamp posts, telephone poles, fences, buildings or other structures. With even used autos having book values of $15,000 or higher, it is in your best interests to get adequate coverage—enough to repair or replace someone else’s car.
As with Bodily Injury Liability insurance, it is probably better to overestimate, rather than underestimate Property Damage Liability coverage. This type of auto insurance coverage is mandatory in most states.
4. Collision
This coverage protects your car. It pays for damage to your vehicle resulting from a collision with another car or object, or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium.
Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car—minus the deductible—up to the limit of the actual cash value of your car. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, theft, falling objects, earthquakes, hail, floods, vandalism, riots or damage caused by hitting an animal (such as birds or deer). Comprehensive auto insurance also provides coverage, without a deductible, for transportation expenses incurred by you in the event of a covered loss. Comprehensive insurance will also reimburse you if your windshield is cracked or shattered after your policy’s deductible (if any) is applied.
If one of the covered damages occurs, you simply pay the deductible amount, and the comprehensive coverage pays the remaining repair or replacement expenses, up to the limit of the actual cash value of your auto. Comprehensive insurance is usually sold with a $100 to $300 deductible, though you might want to opt for a higher deductible as a way of lowering your premium.
States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver who is held legally responsible for your injuries. It pays medical and other related expenses up to the limits of the coverage you select.
Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.
7. Towing and Labor
Towing and Labor coverage helps to reimburse expenses you incur if your car is temporarily disabled. It is available if you have purchased at least Comprehensive coverage.
*Personal Injury Protection may be required if your policy is issued in a state which has “No Fault” or “Reparations” laws governing your auto insurance.
This article adapted from information provided by the Insurance Information Institute.
LIFE INSURANCE POLICY
May 10, 2007
LIFE INSURANCE POLICY
Life insurance
Protect your loved ones against financial hardship should you die.
150,000 satisfied customers have already found out that by calling LifeSearch they get MORE invaluable advice and pay LESS for their life insurance.
LifeSearch is the UK's leading life insurance broker and therefore best qualified to search the entire market to ensure that you get the right cover at the lowest possible price!
We can discuss with you:
1. How much life insurance you need.
2. How long you want the cover for.
3. What is the right life insurance for you.
We have listed below brief descriptions of different types of life insurance.
Level Term Assurance - fixed premiums for a number of years and a full payout on claim at any point during the term.
Increasing Term Assurance - the cover increases every year without the need for a medical. Not as popular as Level Term, but it should be as people may require additional cover in line with increases in their income and inflation.
Decreasing Term Assurance - the payout reduces over the cover period at a flat fixed rate each year.
Mortgage Protection Assurance - life assurance where the lump sum reduces in line with the outstanding mortgage balance over time.
Renewable Term Assurance - a short term policy and therefore cheaper initially, and commonly used for protecting Company Directors. Importantly, it can be renewed without further medical evidence.
Family Income Benefit Assurance - instead of paying out a lump sum, this type of cover provides a tax-free annual income until the end of the term specified at outset.
Whatever policy you choose, you should always consider putting your policy in Trust. For couples we often recommend single life policies over joint as this represents better value for money.
LIFE INSURANCE POLICY
Life insurance
Protect your loved ones against financial hardship should you die.
150,000 satisfied customers have already found out that by calling LifeSearch they get MORE invaluable advice and pay LESS for their life insurance.
LifeSearch is the UK's leading life insurance broker and therefore best qualified to search the entire market to ensure that you get the right cover at the lowest possible price!
We can discuss with you:
1. How much life insurance you need.
2. How long you want the cover for.
3. What is the right life insurance for you.
We have listed below brief descriptions of different types of life insurance.
Level Term Assurance - fixed premiums for a number of years and a full payout on claim at any point during the term.
Increasing Term Assurance - the cover increases every year without the need for a medical. Not as popular as Level Term, but it should be as people may require additional cover in line with increases in their income and inflation.
Decreasing Term Assurance - the payout reduces over the cover period at a flat fixed rate each year.
Mortgage Protection Assurance - life assurance where the lump sum reduces in line with the outstanding mortgage balance over time.
Renewable Term Assurance - a short term policy and therefore cheaper initially, and commonly used for protecting Company Directors. Importantly, it can be renewed without further medical evidence.
Family Income Benefit Assurance - instead of paying out a lump sum, this type of cover provides a tax-free annual income until the end of the term specified at outset.
Whatever policy you choose, you should always consider putting your policy in Trust. For couples we often recommend single life policies over joint as this represents better value for money.
MORE HOME INSURANCE
MORE HOME INSURANCE
We're so confident we can beat your renewal premium for combined buildings and contents insurance that, if we can't, we'll give you £60 cash back when you switch to us. Find out more >
PLUS a 15% discount for everyone who buys online!
Benefits of Norwich Union home insurance
Protected No Claims Discount* (optional)
We will replace all the contents on a new for old basis (Contents cover, excluding clothing and linen)
If you lose your keys, we'll pay for your locks to be replaced (Contents cover, maximum £500 limit)
We cover accidental damage to mirrors and glass as standard (Excludes window frames)
If you need temporary accommodation, we also cover the cost of re-homing your pets (Following claim on policy)
*For 5 years' no claims discount.
We will cover for loss of or damage to contents while being moved by professional furniture removers from the home to your new permanent home (including temporary storage in a furniture depository for up to five days in a row).
Don't need combined contents and buildings insurance?
Contents Insurance only
Buildings Insurance only
Important Policy Information
Home Insurance policy wording (PDF 174kb)
Home Emergency trade-up policy wording (399kb)
Home Insurance key facts
Offer Details
Cash back offer applies to combined buildings and contents policies only providing cover on an equivalent basis. Proof of renewal quote required. Excludes existing customers. We reserve the right to withdraw this offer at any time.
For further home insurance information take a look at our summary of cover.
Six great reasons to renew your Norwich Union Home Insurance...
* For 5 years' no claims discount.
† Discount applies to the risk element of the premium only and not to any optional extras, or to the first £21 which covers administration costs.
Related Links
For further information on our home insurance cover and additional options:
Make your house a safer place with our Home Doctor
Get extra protection for your home with Home Emergency Cover
If you can't find what you need please call us on 0800 015 7767 and we will be happy to help you with any home insurance questions you may have.
Calls may be recorded and/or monitored.
We're so confident we can beat your renewal premium for combined buildings and contents insurance that, if we can't, we'll give you £60 cash back when you switch to us. Find out more >
PLUS a 15% discount for everyone who buys online!
Benefits of Norwich Union home insurance
Protected No Claims Discount* (optional)
We will replace all the contents on a new for old basis (Contents cover, excluding clothing and linen)
If you lose your keys, we'll pay for your locks to be replaced (Contents cover, maximum £500 limit)
We cover accidental damage to mirrors and glass as standard (Excludes window frames)
If you need temporary accommodation, we also cover the cost of re-homing your pets (Following claim on policy)
*For 5 years' no claims discount.
We will cover for loss of or damage to contents while being moved by professional furniture removers from the home to your new permanent home (including temporary storage in a furniture depository for up to five days in a row).
Don't need combined contents and buildings insurance?
Contents Insurance only
Buildings Insurance only
Important Policy Information
Home Insurance policy wording (PDF 174kb)
Home Emergency trade-up policy wording (399kb)
Home Insurance key facts
Offer Details
Cash back offer applies to combined buildings and contents policies only providing cover on an equivalent basis. Proof of renewal quote required. Excludes existing customers. We reserve the right to withdraw this offer at any time.
For further home insurance information take a look at our summary of cover.
Six great reasons to renew your Norwich Union Home Insurance...
* For 5 years' no claims discount.
† Discount applies to the risk element of the premium only and not to any optional extras, or to the first £21 which covers administration costs.
Related Links
For further information on our home insurance cover and additional options:
Make your house a safer place with our Home Doctor
Get extra protection for your home with Home Emergency Cover
If you can't find what you need please call us on 0800 015 7767 and we will be happy to help you with any home insurance questions you may have.
Calls may be recorded and/or monitored.
ING Vysya Life Insurance Company Limited
ING Vysya Life Insurance Company Limited (the Company) entered the private life insurance industry in India in September 2001, and in a span of 5 years has established itself as a distinctive life insurance brand with an innovative, attractive and customer friendly product portfolio and a professional advisor sales force.
It has a dedicated and committed advisor sales force of over 21,000 people, working from 140 branches located in 74 major cities across the country and over 3,000 employees. It also distributes products in close cooperation with the ING Vysya Bank network. The Company has a customer base of over 4,50,000 & is headquartered at Bangalore. In 2005, ING Vysya Life earned a total income in excess of Rs. 400 crore and also has a share capital of Rs. 440 crore.
The Company aims to make customers look at life insurance afresh, not just as a tax saving device but as a means to add protection to life. The one thing we hold in highest esteem is 'life' itself. We believe in enhancing the very quality of life, in addition to safeguarding an individual's security. Our core values are therefore defined as Professional, Entrepreneurial, Trustworthy, Approachable and Caring.
The Company’s portfolio offers products that cater to every financial requirement, at any life stage. We believe in continuously developing customer-driven products and services and value being accessible and responsive to the needs of our customers.
In fact, the company has developed the LifeMakerTM. a simple method which can be used to choose a plan most suitable to a specific customer based on his needs, requirments and current life stage. This tool helps you build a complete financial plan for life, whether the requirment is Protection, Savings or Investment, Retirement
It has a dedicated and committed advisor sales force of over 21,000 people, working from 140 branches located in 74 major cities across the country and over 3,000 employees. It also distributes products in close cooperation with the ING Vysya Bank network. The Company has a customer base of over 4,50,000 & is headquartered at Bangalore. In 2005, ING Vysya Life earned a total income in excess of Rs. 400 crore and also has a share capital of Rs. 440 crore.
The Company aims to make customers look at life insurance afresh, not just as a tax saving device but as a means to add protection to life. The one thing we hold in highest esteem is 'life' itself. We believe in enhancing the very quality of life, in addition to safeguarding an individual's security. Our core values are therefore defined as Professional, Entrepreneurial, Trustworthy, Approachable and Caring.
The Company’s portfolio offers products that cater to every financial requirement, at any life stage. We believe in continuously developing customer-driven products and services and value being accessible and responsive to the needs of our customers.
In fact, the company has developed the LifeMakerTM. a simple method which can be used to choose a plan most suitable to a specific customer based on his needs, requirments and current life stage. This tool helps you build a complete financial plan for life, whether the requirment is Protection, Savings or Investment, Retirement
Term Life Insurance
Term Life Insurance
Term lifece insurance is the most basic kind of life insurance. It provides affordable protection for a pre-defined period of time, so it is often used to serve temporary protection needs.
Term Life Insurance Overview
5 Year Term Life Insurance
20 Year Term Life Insurance
Term to Age 90
Increasing Premium Term
Family Protection Insurance New!
Permanent Life Insurance
Permanent life insurance — including whole life insurance and universal life insurance — is used when protection needs are more long term. There are many kinds of permanent life insurance, each of which has unique features that make it appropriate for certain situations.
Whole Life Insurance Products
Whole Life Insurance At-a-Glance
Whole Life Insurance Product Details
Whole Life Insurance Riders
Modified Premium Whole Life Insurance At-a-Glance
Modified Premium Whole Life Insurance Product Details
Custom Whole Life Product Details
Universal Life Insurance Products
NYLIAC Protector®
NYLIAC Accumulator®
NYLIAC Asset Preserver®
The two main categories of permanent life insurance are fixed and variable. Fixed life insurance products accumulate cash value at a pre-defined, guaranteed minimum interest rate or guaranteed cash value while variable universal life insurance products are designed to provide an insurance benefit under your policy, but do not guarantee a minimum rate of return. They will fluctuate up and down depending on the performance of the applicable investment divisions.
Variable Universal Life Insurance Products
NYLIAC Variable Universal Life 2000
NYLIAC Single Premium Variable Universal Life
NYLIAC Variable Universal Life Provider Product Details
Note: Increasing protection requires additional underwriting and there is a required minimum premium necessary to sustain your policy.
Survivorship Life Insurance
Survivorship life insurance is a life insurance policy that covers two individuals and provides a life insurance benefit after the death of the last surviving insured. Survivorship policies can be whole life, universal life, or variable universal life insurance.
Survivorship Life Insurance Products
Survivorship Whole Life Insurance Products
Survivorship Variable Universal Life (SVUL)
Survivorship Universal Life Insurance Overview
Life Insurance Coverage For Businesses
If you are a business owner looking to provide life insurance coverage through a corporate sponsored plan, please visit our Corporate Sponsored Plans section or our Worksite Life Insurance products.
Corporate Sponsored Plans
Corporate Sponsored Universal Life Insurance
CorpExec Variable Universal Life Insurance
Worksite Life Insurance
Employee's Whole Life At-a-Glance
Employee's Adjustable Life At-a-Glance
Access My Policies
Life Insurance Awareness Month - September 2006 Why life insurance? Who needs it? What kind? How much? What you need to know? How to get it?
New Enhanced Whole Life Plans Enhanced features provide many ways to customize your plan to meet unique needs at different periods of your life.
Want An On-Line Quote? Sorry, Not At New York Life Click here to find out why we won't sell or offer quotes online. At New York Life we don't believe it's in your best interest for us to sell it to you that way.
Life Insurance Tools
Life Insurance Decision Guide
Which type of life insurance may be right for you?
Life Insurance Quiz
Test your life insurance knowledge
Life Insurance Calculator
Retirement Planning Calculators
Articles about Life Insurance
Frequently Asked Questions About Life Insurance
Life Insurance FAQs
Term or Permanent Life Insurance?
Explores the term versus permanent life insurance debate
Understanding Underwriting
Explains risk-classification or underwriting
Beneficiary Overview
What is a beneficiary?
view more articles
Whole Life Insurance
When Safety and Guarantees Count Most
When You Can't Pay Your Insurance Premium
Discusses life insurance premiums and unexpected expenses
What Are Dividends?
Explanation of dividends and dividend options for New York Life policy owners
What You Should Know About Policy Loans
What you need to know about taking loans against your permanent life insurance policy.
Choosing to Use Dividends to Pay Your Policy Premiums
Options available for paying your New York Life permanent life insurance premiums
Understanding How a Life Insurance Company Prices Its Policies
All policies are not created equal
Life Insurance by LifeStage
For Women
How life insurance benefits women... more
For Seniors
Life insurance and mature adults... more
Starting Out
Life insurance for the young adult... more
New Baby
Insure the life of a young child... more
view more Life Events, or Financial Goals
More Life Events... Starting Out Marriage New Baby Suddenly Single New Career A Death in the Family New Home Suddenly Downsized Starting a Business
Financial Goals... Accumulate Retirement Assets Manage Wealth Safeguard My Home Mortgage Finance Children's Education Protect My Valuable Assets Living In Retirement Estate Preservation Manage Taxes
Channels... Women and Finance Social Security Issues In Chinese In Korean For Asian-Indians For African-Americans For Seniors For Beneficiaries In Spanish Term Conversion Education Kids and Finance Gen Xers Vietnamese Health & Wellness AARP Life Insurance Program
The New York Life Advantage
What Are Others Saying About New York Life?
"When I called New York Life, they simply said, 'Yes, we can help. Here's how we'll do it.' " Read more testimonials like this here.
Why Choose New York Life Products?
New York Life is #1 in life insurance sales and #1 in customer satisfaction in the U.S. New York Life's sales force is recognized as one of the best trained in the industry, which makes our agents among the most qualified for understanding and addressing each customer's individual needs...more
Term lifece insurance is the most basic kind of life insurance. It provides affordable protection for a pre-defined period of time, so it is often used to serve temporary protection needs.
Term Life Insurance Overview
5 Year Term Life Insurance
20 Year Term Life Insurance
Term to Age 90
Increasing Premium Term
Family Protection Insurance New!
Permanent Life Insurance
Permanent life insurance — including whole life insurance and universal life insurance — is used when protection needs are more long term. There are many kinds of permanent life insurance, each of which has unique features that make it appropriate for certain situations.
Whole Life Insurance Products
Whole Life Insurance At-a-Glance
Whole Life Insurance Product Details
Whole Life Insurance Riders
Modified Premium Whole Life Insurance At-a-Glance
Modified Premium Whole Life Insurance Product Details
Custom Whole Life Product Details
Universal Life Insurance Products
NYLIAC Protector®
NYLIAC Accumulator®
NYLIAC Asset Preserver®
The two main categories of permanent life insurance are fixed and variable. Fixed life insurance products accumulate cash value at a pre-defined, guaranteed minimum interest rate or guaranteed cash value while variable universal life insurance products are designed to provide an insurance benefit under your policy, but do not guarantee a minimum rate of return. They will fluctuate up and down depending on the performance of the applicable investment divisions.
Variable Universal Life Insurance Products
NYLIAC Variable Universal Life 2000
NYLIAC Single Premium Variable Universal Life
NYLIAC Variable Universal Life Provider Product Details
Note: Increasing protection requires additional underwriting and there is a required minimum premium necessary to sustain your policy.
Survivorship Life Insurance
Survivorship life insurance is a life insurance policy that covers two individuals and provides a life insurance benefit after the death of the last surviving insured. Survivorship policies can be whole life, universal life, or variable universal life insurance.
Survivorship Life Insurance Products
Survivorship Whole Life Insurance Products
Survivorship Variable Universal Life (SVUL)
Survivorship Universal Life Insurance Overview
Life Insurance Coverage For Businesses
If you are a business owner looking to provide life insurance coverage through a corporate sponsored plan, please visit our Corporate Sponsored Plans section or our Worksite Life Insurance products.
Corporate Sponsored Plans
Corporate Sponsored Universal Life Insurance
CorpExec Variable Universal Life Insurance
Worksite Life Insurance
Employee's Whole Life At-a-Glance
Employee's Adjustable Life At-a-Glance
Access My Policies
Life Insurance Awareness Month - September 2006 Why life insurance? Who needs it? What kind? How much? What you need to know? How to get it?
New Enhanced Whole Life Plans Enhanced features provide many ways to customize your plan to meet unique needs at different periods of your life.
Want An On-Line Quote? Sorry, Not At New York Life Click here to find out why we won't sell or offer quotes online. At New York Life we don't believe it's in your best interest for us to sell it to you that way.
Life Insurance Tools
Life Insurance Decision Guide
Which type of life insurance may be right for you?
Life Insurance Quiz
Test your life insurance knowledge
Life Insurance Calculator
Retirement Planning Calculators
Articles about Life Insurance
Frequently Asked Questions About Life Insurance
Life Insurance FAQs
Term or Permanent Life Insurance?
Explores the term versus permanent life insurance debate
Understanding Underwriting
Explains risk-classification or underwriting
Beneficiary Overview
What is a beneficiary?
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Whole Life Insurance
When Safety and Guarantees Count Most
When You Can't Pay Your Insurance Premium
Discusses life insurance premiums and unexpected expenses
What Are Dividends?
Explanation of dividends and dividend options for New York Life policy owners
What You Should Know About Policy Loans
What you need to know about taking loans against your permanent life insurance policy.
Choosing to Use Dividends to Pay Your Policy Premiums
Options available for paying your New York Life permanent life insurance premiums
Understanding How a Life Insurance Company Prices Its Policies
All policies are not created equal
Life Insurance by LifeStage
For Women
How life insurance benefits women... more
For Seniors
Life insurance and mature adults... more
Starting Out
Life insurance for the young adult... more
New Baby
Insure the life of a young child... more
view more Life Events, or Financial Goals
More Life Events... Starting Out Marriage New Baby Suddenly Single New Career A Death in the Family New Home Suddenly Downsized Starting a Business
Financial Goals... Accumulate Retirement Assets Manage Wealth Safeguard My Home Mortgage Finance Children's Education Protect My Valuable Assets Living In Retirement Estate Preservation Manage Taxes
Channels... Women and Finance Social Security Issues In Chinese In Korean For Asian-Indians For African-Americans For Seniors For Beneficiaries In Spanish Term Conversion Education Kids and Finance Gen Xers Vietnamese Health & Wellness AARP Life Insurance Program
The New York Life Advantage
What Are Others Saying About New York Life?
"When I called New York Life, they simply said, 'Yes, we can help. Here's how we'll do it.' " Read more testimonials like this here.
Why Choose New York Life Products?
New York Life is #1 in life insurance sales and #1 in customer satisfaction in the U.S. New York Life's sales force is recognized as one of the best trained in the industry, which makes our agents among the most qualified for understanding and addressing each customer's individual needs...more
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