J & G Associates, Inc.

CONNECT

Address:

333 Earle Ovington Blvd, Ste. 402
Uniondale, NY 11553

Phone:

(631) 777-7585

Fax/Other:

(631) 777-7637

Life Insurance

Life Insurance helps to ensure that your family and loved ones are protected against financial hardship in the event of your death. There are several types of life insurance products available to meet your specific needs. Term life products offer low cost coverage while permanent life insurance products offer both lifetime death benefits and cash accumulation. In addition, there are also specialty products such as survivorship, indexed equity, and variable life products available.


Types of Individual Life Insurance

Term - Low-cost death benefit for a specified time period; short- to mid-term time horizon

Universal Life - Flexible premium, accumulates cash value based on fixed interest rate; mid- to long-term time horizon

Universal Life with secondary guarantees - Guaranteed death benefit at a fixed price for a specified time period up to lifetime; mid- to long-term time horizon.

Variable Universal Life - Flexible premium, non-guaranteed cash value from performance of underlying investment options; mid- to long-term horizon

Whole Life - Level death benefit at a fixed price; guaranteed cash accumulation; long-term time horizon

Indexed Universal Life- Flexible premium, accumulates cash value based on
indexed interest rate; mid- to long-term time horizon

Survivorship Universal Life- Second to die, flexible premium, accumulates cash value
based on fixed interest rate; mid- to long-term time horizon for estate
planning.


How Much Life Insurance Do I Need?

 

Use our Life Insurance Calculator to get started

 

 

 

 

 

All guarantees subject to the issuer's claims paying ability.

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck