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
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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