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Home > Life Insurance | Melville, NY

Life Insurance


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Life Insurance Information

 

Planning for the future often involves planning for what will happen to your loved ones financially after your death. Having these discussions, though, can be difficult, which is why we’re here to help. Contact Nexus Point Advisors, LLC today to learn more about how life insurance can help ensure your loved ones will be financially protected after your death.  

How Does Life Insurance Work?  

If you carry a life insurance policy on yourself, then you will designate a sum of money—a death benefit—that the insurance policy will provide to a designated beneficiary (usually a family member) upon your death. With access to life insurance funds, your family will be able to pick up the pieces of your loss and move on with their lives without facing monetary troubles.  

Types of Life Insurance Policies 

While all life insurance policies provide death benefits, they are not all the same. There are two primary types of life insurance:  

Term Life Insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage.  

Whole Life Insurance—Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities; the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).  

Speak to one of our agents to learn more about which type of policy is best for your needs.  

How To Get Life Insurance 

Nexus Point Advisors, LLC is here to help you get the life insurance coverage you need. Our priority is to make life insurance affordable and attainable for everyone, no matter where they are in their life. Contact us to learn more about life insurance or request a free quote now.  
 

 

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Nexus Point Advisors LLC
68 South Service Rd
Suite 100

Melville, NY 11747 
844-673-8439
Insurance Representative of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 011110001, and its affiliated US insurance companies. Registered Representative of and securities and investment advisory services offered through MML Investors Services, LLC, Member SIPC and a MassMutual subsidiary, 6800 Jericho Turnpike, Suite 202W, Syosset, NY 11791, Tel: (516) 364-4203. Nexus Point Advisory LLC is not a subsidiary or affiliate of MML Investor Services, LL:C or its affiliated companies. Edgar Montenegro is a registered representatives of and offer securities, investment advisory, and financial planning services through MML Investors Services, LLC., Member SIPC (www.sipc.org) (6800 Jericho Tpke, St 202W, Syosset, NY 11791) 516-364-4203 www.SIPC.org
 

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