Products

With a variety of insurance and financial products we provide, we can help you meet a number of business and financial needs.  Please review the full range of products and contact us to help you fully analyze your goals and recommend appropriate solutions to help you achieve those goals.

 

Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future. While it's true the life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-crafted estate, business succession or charitable giving plan.  And permanent insurance offers many living benefits as well, such as tax deferred cash value accumulation.  For all these reasons, life insurance should always be a starting point for creating a safety net for one's financial plan.

  • Whole Life - Whole Life is also known as permanent insurance.  You receive coverage for your entire life, as long as premiums are paid.
  • Term Life - Term Life policies provide coverage for a specific amount of time - such as 5, 10, 15, or 20 years.  Term Premiums are often less expensive than Whole Life premiums, but once the term of the policy is complete, coverage terminates.
  • Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
  • Variable Universal Life* - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.
  • Survivorship Life - Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
    * Offered by NYLIFE Securities LLC (member FINRA/SIPC)

Long-Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.  Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

Annuities: An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

  • Variable Deferred Annuities* - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account. There are fees, expenses and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.
  • Fixed Interest Deferred Annuities* - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
  • Income annuities - Lifetime Income Annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

 

Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it. Either way, you will be assured a steady, dependable source of income for life.

Investments:* We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

*Offered by NYLIFE Securities LLC (member FINRA/SIPC).

 

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as group disability, life, dental and vision insurance products. 2If we don't offer it, chances are we can assist you.

To learn more about the products and services we offer, please feel free to give us a call or request a free consultation. We'll be happy to answer all your questions and make specific recommendations based on your input.

BBG Financial is not owned or operated by New York Life Insurance Company or its affiliates, however any individuals listed are licensed Agents with New York Life Insurance Company. ^Guarantees are backed by the claims paying ability of the issuer. 1New York Life fixed annuities are Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) 2Products available through one or more carriers not affiliated with New York Life; dependent on carrier authorization and product availability in your state or locality.

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