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(631) 581-4776
174 West Main Street, East Islip, NY 11730
Find Us: 174 West Main Street, East Islip, NY 11730 • Call Us: (631) 581-4776
Life Insurance
Protect Yourself & Your Loved Ones
If you have someone whom you care about dearly, then it pays to save them from the suffering of having to live without your financial contributions. At Ackerly Insurance, we are aware that life insurance is a sensitive matter, which is why we help our clients protect their families against tragedy.
New York Life Insurance Types
If you have life insurance coverage, your beneficiaries receive a lump sum death benefit after your demise. Life insurance in NY is offered in two basic types; Term Life insurance and Permanent Life insurance.
Term Life Insurance
Term Life insurance offers individuals with financial protection. As the name implies, it only offers protection for a specific time period, which can range anywhere from 10 years to 40 years. Because of its cap, Term Life insurance in NY is considered to be a more affordable option for many folks. Some of the features of this type of New York life insurance includes fixed and level premiums that allow individuals to get financial protection for a fixed number of years in their life.
Permanent Life Insurance
Permanent Life insurance offers lifetime coverage. Our experienced agents will work closely with you to find the best option for your life insurance needs. This insurance type also gives the holder the advantage of life insurance protection and has a potential for tax-advantaged value cash growth as well.
How Much Does Life Insurance in NY Cost?
On average, men pay around $15.54/month on a $250,000 life insurance policy, while women pay an average of $15.39 for a $250,000 coverage. For a higher coverage, such as an amount of around $966,000, men pay an average of $43/month while women pay an average of $37/month for similar coverage.
Why Do You Need Life Insurance?
Many people doubt if they need life insurance. As death is a certainty, it’s smart to secure the financial future of the ones who depend on you – your family. Making the smart choice to take out a life insurance policy today will help cover future expenses, such as outstanding debts, mortgage, college tuition, and maintaining the lifestyle of your wife and children long after you’re gone.
While no one likes to think of their demise, a life insurance policy ensures your family does not struggle financially. Ackerly Insurance can help guide you through the daunting task of choosing what type of life insurance (term life, permanent life) will be best for your needs and can help guide you to the right life insurance provider in New York.
Personalized Coverage to Fit Every Budget
Ackerly Insurance has a team of professional consultants who can make a real difference in getting insurance coverage that’s personalized to your specific needs. Our insurance consultants work closely with all of our clients and provide important information on all of the available coverage options. The services that we provide for those looking for life insurance, NY allows you to make a more informed decision and get better rates when purchasing New York life insurance.
Maximize Coverage
When it comes to selecting insurance products, the cost is a big factor to consider. However, you would not want to jeopardize your chances of getting better insurance coverage by paying a lower rate. When you hire our expert insurance consultant to help you in policy selection, you can evaluate your alternatives quicker, more effectively, and end up maximizing your advantages at a lesser cost.
We Work for You
Instead of working for a single corporation, our independent agent works for the consumer.
Best Value for Your Money
We will assist you in locating the lowest costs without favoring one company over another.
One-Stop Insurance Solution
We provide you with a truly one-stop shopping solution for all of your insurance requirements.
CONTACT INFO
(631) 581-4776
174 West Main Street
East Islip, NY 11730
Business Hours
Monday-Friday: 9 AM to 5 PM
Saturday: 10 AM to 12:30 PM
