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T: 800-262-6644

T: 212-242-2800

F: 212-242-2800

475 Park Avenue South

Suite 2100

New York, NY 10016

T: 800-262-6644

T: 212-242-2800

F: 212-242-2820


Insurance is a complicated area and the right guidance is important.  By assisting you through the maze of options, we offer comprehensive individual services for life insurance, disability income, long-term care as well as group life insurance, medical, disability insurance, and group long-term care.  We work with several actuaries and insurance brokers to get you a competitive product at the right price and level of coverage.  Rather than selling insurance, we act as your consumer advocate to buy the right policies.


When most people think of life insurance, the first question that usually comes to mind is, “How much do I need?”  The death benefit* of the policy is only part of the picture.  There are waivers and riders and eligibility and waiting periods and on and on.


Need a life insurance policy?  Let us educate you about term life insurance, as well as your cash value life insurance options: whole life, variable, or universal life.  (We told you it was complicated…)  There are special types of life insurance to address special needs.


Here are some simple questions and answers on this subject that are sure to get you thinking.

Why do gay and lesbian people need life insurance?

For the same reasons everyone else does. In addition, if you own assets jointly with your partner and you may owe estate tax, life insurance can prevent your partner from having to hold a fire sale.

Are you purchasing a home?

Life insurance proceeds can pay off the mortgage.

Do you have consumer debt?

Life insurance proceeds can pay the debt in full.

Are you a couple earning two incomes?

Life insurance proceeds can replace the income of one partner.

Do you own a family business?

Life insurance proceeds can be used to purchase the business from the heirs of the family.

Do you have children?

Life insurance proceeds can be used to pay for college education expenses, child-care expenses, etc.

Will estate taxes be due on the life insurance at your death?

Life insurance can be held outside of your estate, such as in an irrevocable life insurance trust or cross-owned; and the proceeds can be used to purchase the assets from the estate or be used to pay the estate tax.

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* Guarantees and benefits provided by life insurance products are subject to the claims-paying ability of the issuing     insurance company