LIFE INSURANCE
Life insurance that keeps your family covered, no matter what
Work with a licensed life insurance agent in New York to find the right coverage for your family and your budget — term, whole life, or IUL — explained in plain language.
No obligation · 30 minutes · English or Español
or call (888) 985-6982
THE BASICS
Why life insurance matters for your family
Life insurance replaces your income if the worst happens, so the people who depend on you keep the home, pay the bills, and hold steady.
As licensed life insurance agents serving New York families, we help you choose the right coverage for your budget and your goals. Because we're independent, we shop multiple carriers to find you the best rate — not whatever one company is selling. First-time buyer, or prefer to talk it through in Spanish? You're in the right place.
The right policy does more than pay out a check. It keeps your kids in their schools, keeps a surviving spouse from selling the house, and can even build cash value you borrow against while you're alive. It's the foundation most families build the rest of their plan on.
KNOW YOUR OPTIONS
Term, whole, universal or Index Universal Life — which fits you?
Four kinds of coverage. We'll walk you through the honest trade-offs of each.
Most affordable
Term Life
Coverage for a set number of years — 10, 20, or 30 — at the lowest cost. The most protection per dollar while your kids are young or the mortgage is being paid.
Fits: young families and income replacement
Lifelong + cash value
Whole Life
Coverage that lasts your entire life and builds guaranteed cash value you can borrow against. Level premiums that never rise as you age.
Fits: lifelong protection and legacy planning
Lifelong + cash value + FLEXIBLE PREMIUMS
universal life
Permanent coverage you can adjust as life changes. Raise or lower your premium and death benefit within limits, while cash value grows at an interest rate the carrier declares, with a guaranteed minimum floor.
Fits: income that varies, or needs that change over time
Lifelong + cash value + high Growth potential
Indexed Universal Life
Permanent coverage with cash value tied to a market index, with protection from market losses. Flexible premiums and tax-advantaged growth.
Fits: building wealth alongside protection
KNOW YOUR OPTIONS
How much life insurance do you actually need?
A common starting point is 10–12× your annual income — but your real number depends on four things. Your first consultation at no cost.
YOUR INCOME
Years to Replace
YOUR DEBTS
Mortgage & Loans
YOUR FAMILY
People who depend on you
YOUR GOALS
College, legacy, more...
WHY TAURUS FINANCIAL SERVICES?
independent agent works for you.
We shop multiple carriers, so you get the best rate, not one company's pitch
Coverage options even with pre-existing conditions, including no-exam policies
Plain-language guidance — we teach before we ever recommend
Bilingual advisors who understand your family and your community
The first step is a conversation, not a contract. We'll compare real quotes from top carriers and you decide with everything in front of you.
Protecting families across New York — and beyond
Our licensed agents serve New York, New Jersey, and Connecticut, Delaware, Virginia, North Carolina, and Florida, with support in English and Spanish. Wherever you are in the tri-state area, the consultation is free and the advice is honest.
GOOD TO KNOW
Life insurance questions, answered straight
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, adjusted for your debts, your mortgage, and how many people depend on you. We'll work out your real number together in your free consultation, so you're not guessing.
What's the difference between term and whole life?
Term covers you for a set number of years at a lower cost — ideal for income replacement while kids are young or a mortgage is being paid. Whole life lasts your entire life and builds cash value you can borrow against. Many families use a mix of both.
Can I get life insurance if I have a health condition?
Often yes. Many conditions are insurable, and because we're independent, we shop multiple carriers to find the one most likely to approve you at a fair rate. There are also options that require no medical exam.
How much does life insurance cost?
Term life is more affordable than most people expect — often less than a monthly phone bill for a healthy adult. Your rate depends on age, health, coverage amount, and policy type. We'll give you real quotes, free, before you commit to anything.
Do you offer bilingual support?
Yes — we have bilingual advisors and can guide you through your options in English, Spanish, Kriol, and French.
Protect the people who count on you
One free conversation. Real quotes from top carriers. You decide what's right for your family — no pressure, ever.
Protecting and building wealth for every family for over 24 years.
Call: (888) 985-6982
Email: [email protected]
Serving New York, New Jersey, Connecticut, Delaware, Virginia, North Carolina & Florida.
GET IN TOUCH
Ready to talk?
Book a free consultation, and we'll take it from there.
© 2022 Taurus Financial Services. Licensed insurance agency. Se habla español.