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Life Insurance

Term Life

A type of life insurance policy that is not whole life or written to cover the whole remainder of the insured’s lifetime, but instead is written to cover only a period of time. Often that period of time is a set number of years, such as 1 year, 10 years or 20 years. At other times, the policy is written for a term that expires at a specified age, for example, when the insured turns 65.

Disability Income

A form of coverage which provides benefits to employees disabled by sickness or accident not related to employment. An extension of workers compensation acts in New York, New Jersey, California, Hawaii, Puerto Rico and Rhode Island.

Long Term Care

Sold either on a group or individual basis. Pays for nursing home or home health care costs including room, board and medical expenses.