What Manhattan families think about when buying life insurance
- Higher housing costs, whether rent, a co-op or a condo, usually mean a larger coverage amount to keep your family in their home.
- Co-op and condo owners often use term life to cover a mortgage or share loan.
- Business owners and partners use life insurance to fund buy-sell agreements and protect against losing a key person.
- New York has its own estate tax with a lower exemption than the federal one, so larger estates may use permanent life insurance in their planning.
ZIP codes we serve in Manhattan
| Area | ZIP codes |
|---|---|
| Manhattan | 10001–10040, 10044, 10065, 10069, 10075, 10128, 10280–10282 |
Coverage we help with in Manhattan
Term life
Affordable coverage for 10 to 30 years, sized to your mortgage and family.
Whole life
Lifelong coverage with level premiums and guaranteed cash value.
Universal life
Permanent coverage with flexible premiums and death benefit.
Health insurance
Individual and family plans explained in plain language.
Group health
Health benefits for small businesses and their employees.
How it works
- Get a quote. Tell us about yourself and the coverage you want. It takes about two minutes.
- Compare. A licensed agent shows you options from several insurance companies.
- Apply. Your agent helps you complete the application and stays with you through approval.
Common questions
How much life insurance do I need in Manhattan?
A common starting point is 10 to 15 times your yearly income, then adjusted for your mortgage, debts, children’s education and savings. Housing costs in Manhattan often mean families need more than national rules of thumb suggest. Your agent will work through the numbers with you.
Do you meet with clients in Manhattan?
We work with Manhattan clients by phone, video and email, so you can get quotes and apply without leaving home. Contact us to talk about other options.
Which insurance companies do you work with?
We’re an independent agency and work with several insurance companies, so we can compare options for your age, health and budget. Availability varies by company.