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LIFE INSURANCE Find the right life insurance policy for your needs

When considering your family’s future, you may want to ensure they’ll be protected financially if something ever happens to you. Once you decide how much life insurance you need, you can choose from several options and even combine different products.

Life insurance products can help you achieve different goals

Whether you need short- or long-term protection, we can help you find the life insurance policy that fits your budget and offers the financial benefits you want.

Financial protection for your family

All life insurance policies offer a guaranteed death benefit, a payout to your loved ones if you pass away. It’s a core feature of term life insurance , a type of temporary coverage available at a lower cost than some other options.

Cash value to use during your lifetime²

Permanent whole life insurance has accessible cash value that’s guaranteed to grow. Variable universal life insurance , another lifetime option, can grow in value through investments​​, although market risk is involved.

Flexibility to adapt to changing needs

Universal life insurance  offers long-term coverage that’s ​​flexible in terms of the timing and amount of premiums paid (within limits). You can adjust your payments (premiums) and benefits when your needs change.

Long-term wealth accumulation

Tackling multiple goals at once, accumulation-focused life insurance  helps you tackle multiple goals at once. You can protect your loved ones while building wealth for long-term needs such as retirement.

Compare different life insurance types

COMPARE YOUR LIFE INSURANCE OPTIONS

Your payments (premiums)

Payout for loved ones (death benefit)

Builds

cash value

Guaranteed cash value growth

Potential earnings (dividends1)

Market growth potential and/or risk

May go from term to permanent

Term life insurance

Gradually increase after a certain period

Whole life insurance

Always the same amount

Universal life insurance

Can be adjusted

In some cases

Guaranteed minimum interest credited

Variable universal life insurance

Can be adjusted

In most cases (market risk)

Accumulation- focused life insurance

Consistent amounts, ending after a specified period

Secure Wealth Plus

Secure Wealth Plus

Market Wealth Plus

Common questions about life insurance

What is life insurance?

Life insurance is a policy (or, a contract between you and an insurance company) that provides financial protection for your family. If you pass away, your policy will pay cash (death benefit) to your loved ones. Many families use this money to cover funeral costs, make up for lost income, or build wealth by leaving money for the next generation. Working with a New York Life agent, you can choose between a temporary option like term life insurance or something permanent like whole life insurance. We also offer universal life insurance, which has some flexibility in terms of the timing and amount of premiums paid, and variable universal life, which gives you the option to invest in the markets.

Do I need life insurance?

No matter where you are today, life insurance is a valuable tool to help protect what’s important to you, now and in the future. All life insurance policies, including term life insurance, provide a cash payment (death benefit) that helps to support your family financially if you pass away. Long-term options such as universal life and variable universal life insurance also have cash value that you can use during your lifetime for things like a down payment on a house or supplemental retirement income. (Accessing the cash value will reduce the available cash surrender value and death benefit.) With permanent whole life insurance, the cash value is guaranteed to grow over time, helping you to also build wealth for future generations. Connect with an agent to discuss the best options for you.

How much life insurance do I need?

The right amount of life insurance coverage for you may depend on many factors, including your budget, your family situation, your needs, and your goals for the future. Connect with an agent who can help you determine the most important considerations for you, along with possible solutions.

Do I need life insurance if I’m covered by my employer?

It can be a nice benefit to have life insurance that’s offered through, and possibly funded by, your workplace. The downside is that your life insurance ends if you leave your job. You may also have fewer coverage options from which to choose. When you buy individual life insurance (either to replace employer-sponsored life insurance or in addition to it) you hold onto that policy for as long as you continue making payments. Connect with an agent to learn more about individual life insurance options.

Learn more about life insurance

The differences between term and permanent life insurance

6 reasons to buy life insurance

Life insurance 101

Should I get life insurance in my 20s?

Which type of life insurance policy is right for you?

We can help you clarify your needs and goals

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New York Life Variable Universal Life Accumulator II and Market Wealth Plus variable universal life are sold only by prospectus. Ask your registered representative for a policy prospectus containing more complete information about New York Life Variable Universal Life Accumulator II and Market Wealth Plus including investment objectives, strategies, risks, charges and expenses. Please read the prospectus carefully before investing. Variable universal life insurance involves fluctuating returns and unit values; investment losses are possible.

1Guarantees are based on the claims paying ability of the issuer.

2Accessing the cash value will reduce the available cash surrender value and the death benefit.

The Oregon Policy Form Number for New York Life Whole Life and Secure Wealth Plus is ICC18217-50P (4/18). The Oregon Policy Form Number for Market Wealth Plus is ICC22-322-32P.

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