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Insuring yourself and your family is a gift for their future. |
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 e can't predict what will happen, but we can plan for it. Emigrant Financial Services can match your needs with the right combination of protection so that as those needs change, your safeguards can also.
Whether term plans fit your situation, providing flexibility and value, or a permanent life plan like whole life or universal life meets your needs to build cash value over time, you'll know that we're working as a team to build the sort of foundation that achieves your personal goals.
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TERM PLANS
- Yearly Renewable & Convertible Term
- 10, 15, 20 year Renewable Convertible Term
- 30 year Convertible Term
- Simple Term
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WHOLE LIFE PLANS
- Whole Life
- 20 Pay Whole Life
- Senior Life (guaranteed acceptance with modified benefit)
- Wealth Transfer
- Universal Life
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COMPARING THE BENEFITS OF WHOLE LIFE AND TERM INSURANCE
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TERM |
WHOLE LIFE |
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Initially, the most affordable coverage. |
Premiums are higher at first, but never go up. |
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Provides coverage for a limited time. |
Coverage lasts for the rest of your life. |
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No cash value accumulation. |
You accumulate cash value which grows tax deferred so it can grow faster. |
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Guaranteed convertible to whole life with no medical exam or health questions to answer. |
Your cash value can be borrowed against to help you achieve your financial objectives or supplement your retirement income. |
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To learn more, read our Frequently Asked Questions about life insurance and use our handy worksheet to estimate your insurance needs. When you're ready to discuss specific needs, call an Emigrant Financial Consultant at 212-850-4400 or visit a local branch.
Related Benefits
- See how tax-deferred products can help you achieve your financial goals.
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Securities are offered through Essex National Securities, Inc. (ENSI), member FINRA•SIPC.
ENSI is not affiliated with Emigrant Savings Bank.
Insurance products are offered through Emigrant Agency, Inc. which is affiliated with Emigrant Savings Bank.
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Securities and insurance products are: |
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Not FDIC Insured
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Not Guaranteed By The Bank
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Not A Deposit
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Not Insured By Any Federal Government Agency
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May Go Down In Value
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Copyright © 1999, Emigrant Savings Bank |
