When purchasing life insurance, many New Yorkers don’t consider the value they get from their policy. Those unsure whether this insurance is worthwhile may want to consider working with reputable insurers like Stewart Agency, Inc. in Elmira, NY. We work with you every step of the way until you get the coverage you desire. Our team is always eager to guide you through the process and answer all your questions.
Benefits of Life Insurance
One of the main benefits of taking life insurance is that, in case of your demise, while the coverage is in effect, the payouts your dependents receive will be tax-free. In addition to death benefits, life insurance accumulates cash value which you can use during retirement.
Buying Life Insurance
The first step we take after getting an inquiry for life insurance is to guide you to select an insurance policy from the options available. Next, we use a life insurance calculator to estimate your coverage needs. We also help you settle on a plan that fits your monthly budget.
Before finalizing the insurance, we usually ask for a medical exam. Sometimes, we may ask you to follow specific guidelines while preparing for the exam.
Determining Insurance Premiums
We use different variables to determine premiums payable for a policy. Ideally, those who stand to gain significant benefits over a long duration will pay more than those with smaller amounts over a short time.
In our assessment, we also consider the occupation of our clients. We’ll charge more premiums for riskier jobs like logging and roofing than less risky options.
Get Life Insurance Today In New York!
Are you considering getting life insurance in New York and wondering whether it’s the right pick? Don’t hesitate to contact our team at Stewart Agency, Inc. in Elmira, NY to discuss a cover that best meets your needs.
Shop and compare the rates of several highly rated companies at your leisure without the pressure from salespeople.
Plans for every budget and life stage. Once you have selected the plan that is right for you, complete and sign the application. It's that easy!
If you prefer, contact a licensed professional at any time.
Our Quote and Apply tool allows you to:
- Instantly receive Life Insurance quotes from over 30 carriers
- Complete an online application
- Sign the agreement with DocuSign
- Securely attain the policy from respective insurance carriers
- **With or without a medical exam
See how easy it is...
- Pay for funeral costs
- Pay bills and meet ongoing living expenses
- Pay off outstanding debt, including credit cards and mortgage
- Continue a family business
- Finance future needs (i.e., education expenses)
- Protect a spouse's retirement plan
...to get started today!
In addition to our Quote & Apply life insurance rating tool, we offer several products that require more specialized servicing by our experienced professionals. For inquiries regarding these products, please contact us by calling 607-734-6527 or emailing us at email@example.com
Whether retirement is nearing or years away, an annuity can be a way to prepare for a better retirement and guarantee you’ll have regular income for the duration of your life.
Disability insurance protects you financially in the event that you become disabled (long-term or short-term) and are no longer able to work.
Avoid the hassle of asking loved ones for help. Long-term care insurance will help you pay the costs associated with care that aids you in everyday life.