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Term Life Insurance

Term Insurance is life insurance coverage for a specified period of time. Term periods can be for 1 year, 5 years, 10 years, 15, 20, and even 30 years. For example, a 30 year level term would guarantee a level premium for 30 years based on a specified death benefit. Term life is usually the least expensive form of life coverage.


A contract between an insurance company and an individual that generally guarantees lifetime income to the individual or whose life the contract is based in return for either a lump sum or periodic payment to the insurance company. Interest inside an annuity is income tax-deferred until it is paid out or withdrawn.

Disability Income Coverage

Insurance designed to replace a percentage of earned income if accident or illness prevents the beneficiary from pursuing his or her livelihood.

Long-Term Care

An insurance policy that provides nursing home, home-health care, personal or adult day care for individuals with a chronic or disabling condition that needs constant supervision. Long-Term Care insurance offers more flexibility and options than many public assistance programs.

All Active & Retired FDNY

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All Active & Retired NYPD

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