Insurance Policies

Insurance Policies

Term Life Insurance

Term life insurance is the most basic kind of life insurance. It provides affordable protection for a pre-defined period of time, so it is often used to serve temporary protection needs.

Term Life Insurance Overview
5 Year Term Life Insurance
20 Year Term Life Insurance
Term to Age 90
Increasing Premium Term
Family Protection Insurance New!
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Permanent Life Insurance

Permanent life insurance — including whole life insurance and universal life insurance — is used when protection needs are more long term. There are many kinds of permanent life insurance, each of which has unique features that make it appropriate for certain situations.

Whole Life Insurance Products
Whole Life Insurance At-a-Glance
Whole Life Insurance Product Details
Whole Life Insurance Riders
Modified Premium Whole Life Insurance At-a-Glance
Modified Premium Whole Life Insurance Product Details
Custom Whole Life Product Details
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Universal Life Insurance Products

NYLIAC Protector®
NYLIAC Accumulator®
NYLIAC Asset Preserver®


#) The two main categories of permanent life insurance are fixed and variable. Fixed life insurance products accumulate cash value at a pre-defined, guaranteed minimum interest rate or guaranteed cash value while variable universal life insurance products are designed to provide an insurance benefit under your policy, but do not guarantee a minimum rate of return. They will fluctuate up and down depending on the performance of the applicable investment divisions.

Variable Universal Life Insurance Products
NYLIAC Variable Universal Life 2000
NYLIAC Single Premium Variable Universal Life
NYLIAC Variable Universal Life Provider Product Details
Note: Increasing protection requires additional underwriting and there is a required minimum premium necessary to sustain your policy.

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Survivorship Life Insurance

Survivorship life insurance is a life insurance policy that covers two individuals and provides a life insurance benefit after the death of the last surviving insured. Survivorship policies can be whole life, universal life, or variable universal life insurance.

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Survivorship Life Insurance Products

Survivorship Whole Life Insurance Products
Survivorship Variable Universal Life (SVUL)
Survivorship Universal Life Insurance Overview

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