fred@fredwarner.com  |  (212) 689-5566​
Fred Warner Assoc.
  • Home
    • Welcome
    • About Us >
      • Client Testimonials
      • Refer a Friend
      • Accessibility Statement
      • Insurance Carriers
  • Solutions
    • Shop 4 Affordable Benefits >
      • Discount Dental Plans >
        • DentalPlans.Com
      • Dental & Vision Insurance >
        • Dental for Everyone
      • Prescriptions Discounts
      • Travel Insurance >
        • Travel Insurance Center
      • Telemedicine Service >
        • 24/7 Doctor Call
    • Annuities >
      • Annuity Explanation
      • Fixed Annuities
      • Income Annuity
      • Longevity Annuity
    • Life Insurance >
      • Low Cost Term Insurance
      • Final Expense Insurance – Guaranteed Issue
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Voluntary Benefits
    • Health Insurance >
      • Dental Insurance
      • Long Term Care Insurance
      • Income Protection
      • Professional Disability
    • Strategies >
      • Tax Exempt
      • Tax-Free Benefits
      • Annuity Types
      • Final Expense Benefit for Employee Families
      • Safe Money Tax Free Retirement Plan
      • Pension Maximization
      • CD to Annuity
    • Travel Insurance
  • Senior Services
    • Find A Doctor
    • What is Medicare?
    • What Medicare Doesn’t Pay For
    • Dental and Vision Insurance
    • Medicare Supplement
    • Medicare Advantage
    • High Deductible Medicare Supplement
    • Life Insurance for Seniors
    • Life Settlements
    • Long Term Care
    • LTC Life
    • Travel Outside the United States
  • Insurance Information
    • Newsletter Signup
    • Life Insurance Needs Planner
    • Life Insurance Needs Calculator
    • Submit A Question >
      • Life Insurance
      • Long-Term Care Insurance
  • Contact
  • Home
    • Welcome
    • About Us >
      • Client Testimonials
      • Refer a Friend
      • Accessibility Statement
      • Insurance Carriers
  • Solutions
    • Shop 4 Affordable Benefits >
      • Discount Dental Plans >
        • DentalPlans.Com
      • Dental & Vision Insurance >
        • Dental for Everyone
      • Prescriptions Discounts
      • Travel Insurance >
        • Travel Insurance Center
      • Telemedicine Service >
        • 24/7 Doctor Call
    • Annuities >
      • Annuity Explanation
      • Fixed Annuities
      • Income Annuity
      • Longevity Annuity
    • Life Insurance >
      • Low Cost Term Insurance
      • Final Expense Insurance – Guaranteed Issue
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Voluntary Benefits
    • Health Insurance >
      • Dental Insurance
      • Long Term Care Insurance
      • Income Protection
      • Professional Disability
    • Strategies >
      • Tax Exempt
      • Tax-Free Benefits
      • Annuity Types
      • Final Expense Benefit for Employee Families
      • Safe Money Tax Free Retirement Plan
      • Pension Maximization
      • CD to Annuity
    • Travel Insurance
  • Senior Services
    • Find A Doctor
    • What is Medicare?
    • What Medicare Doesn’t Pay For
    • Dental and Vision Insurance
    • Medicare Supplement
    • Medicare Advantage
    • High Deductible Medicare Supplement
    • Life Insurance for Seniors
    • Life Settlements
    • Long Term Care
    • LTC Life
    • Travel Outside the United States
  • Insurance Information
    • Newsletter Signup
    • Life Insurance Needs Planner
    • Life Insurance Needs Calculator
    • Submit A Question >
      • Life Insurance
      • Long-Term Care Insurance
  • Contact

Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.
Get A Quote
Contact Us

What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Common Types of Life Insurance

Term Life Insurance
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
  • Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
  • A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
Variable Universal Life Insurance
  • Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

    Contact us to learn more about the right life insurance for you.
(212) 689-5566​
380 Lexington Avenue 17Fl
New York, NY 10168​
Click Here to Email Us
Life Insurance Quote
Get a life insurance quote
Licensed in New York, Connecticut, Florida, Nevada and  New Jersey

Navigation

Homepage
About Us
Contact Us
Agent Login

Social Media

Share this page

Contact Us

Fred Warner Assoc.
1345 Sixth Avenue, 33rd FL.
New York, NY 10105
(212) 689-5566​
Click Here to Email Us

Location

Website by InsuranceSplash