You can buy just about anything online these days — airline tickets, books, cars, computers, and, yes, even life insurance. But not at New York Life Insurance Company (NYLIC). Sorry. That's not how we do business.
Oh, it's not that we can't. It's that we won't. We could make a nice profit selling one-size-fits-all term life insurance policies on the Internet. But we won't because at New York Life we don't believe that's the best way to buy life insurance, and it's not in your best interest for us to sell it to you that way.
At New York Life, we believe that the purchase of life insurance is a major decision, one that is best made with the input, and knowledge, and recommendations of a professional agent — an insurance agent who is well versed in helping clients understand their needs and who can explain the many choices available. Your New York Life Insurance Agent has committed to hundreds of hours of training, including Continuing Education on an annual basis. We believe that, unless you also happen to have built an intimate knowledge about the many life insurance options available to you, it makes as much sense to buy a life insurance online as it would treat yourself for an illness, rather than go to a doctor. The consequences in either situation can be risky — one in terms of your own physical health; the other in terms of your family's financial well-being.
We think it's great that you recognize the need for life insurance to protect your family or your business. We also believe it is smart to shop around for the appropriate product. However, if you are thinking about price shopping for the cheapest policy, we encourage you to think again. We also urge you to contact a New York Life agent.
By the time you finish price shopping on the web, your New York Life Insurance Agent could have come and gone, analyzed your insurance needs, laid out several good-choice options for you and helped you tailor the insurance product to best meets your need today and in the future. Best of all, since time and money are always important, your insurance agent will provide this service at no charge to you or obligation. After your insurance agent is done, you can always say, "Thanks for your time, but no thanks."
Still not sure? Well, here are some other reasons why you are encouraged to talk to a NYLIC Insurance Agent before you buy your next life insurance policy:
- Life insurance is not a commodity.
- Life insurance involves long-term commitments and serious needs.
- Life insurance is not really as simple as it may seem at first glance.
- Life insurance is not a stand-alone product.
- Life insurance can achieve multiple objectives.
- Consider service.
How We Sell Life Insurance at New York Life We believe that the purchase of life insurance involves the acquisition of a valuable asset. That's why we make our products available only through licensed New York Life agents.
Each life insurance agent is committed to help you identify your actual, specific and individual needs. Your agent is required by law and a code of ethics to make all recommendations based on your needs, not just a product that he or she would like to sell you.
That's why your New York Life agent will take the time to discuss your needs, and that means asking more than, "How much insurance coverage do you need?" In fact, your agent may seem a bit nosy — asking about your plans for your children, where and when you want to retire, your dreams, and more.
That 60 minutes or so you spend with your insurance agent is a good investment in creating a coordinated strategy to help you meet your objectives.
Your insurance agent will do all the work, with no obligation and at no cost to you. And then there'll be service. Need a beneficiary changed? Change of address? Annual review to make sure your coverage is still current with your needs? As mentioned above, just call your New York Life Insurance Agent. That's all part of the service he or she provides at no additional charge.
New York Life is one of the oldest, most financially stable and most respected life insurance companies in the world. We're not a warehouse wholesaler of policies. We don't just manufacture them. We believe that the life insurance business is a people business. That's why we sell through our insurance agents. That's also why we don't sell life insurance online, at any price.
Before you buy online, call a New York Life agent for an appointment. If you are not comfortable with his or her recommendations, you can always go online — but we feel confident you won't feel the need to, any longer.
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