New York Life insurance offers a couple different life insurance policies. The first one that I
read about is called whole life insurance. With a whole life policy from them, you are insured for
life, if your premiums are paid. They have a death benefit that is guaranteed that is free from
income tax and can be used for continuing financial needs, paying off a mortgage, wealth
transfer, charitable giving, or business needs. The policy gains cash value over the years that you
have it and can later be applied to retirement income, college tuition payments, a down payment
on a house, or in the case of an emergency. You also receive dividends when they are declared
though this company. You can use dividends to increase your coverage, supplement or pay your
premiums, get cash in the form of checks, or keep them on deposit to earn interest. They also
offer option additional coverage that includes a chronic care rider, this is for people who may fall
to a chronic illness, accidental death benefit rider, children’s insurance rider, disability waiver of
