Our Products

As a licensed agent of New York Life Insurance Company and a registered representative of NYLIFE Securities LLC, I offer a variety of products that can help you meet a number of insurance and financial needs. I invite you to read all about the insurance and financial products I can offer and to contact me for an in-depth discussion of your financial goals. Some of the products we often use to serve the needs of our clients include:

Contact Evelyn

1300 Concord Terrace
5th Floor,
Sunrise, FL 33323

Office: (954) 958-4246
Mobile: (561) 251-2105
Fax: (954) 958-4255

etai@ft.newyorklife.com


Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out – or for someone who's starting over.

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Whole Life

Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

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Term Life

Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

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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.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.

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Variable Universal Life

Variable Universal Life Insurance combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You may allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risk along with the potential for reward.

These products are offered by prospectus through NYLIFE Securities LLC. (member FINRA/SIPC) and a Licensed insurance Agency. Be sure to request one and read it carefully before investing as both the product and investment options prospectuses provide complete information you need to know regarding charges, expenses and risk factors.

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Survivorship Life

Survivorship life insurance – 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.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments. If loans or withdrawals are made, or if current interest rates or changes fluctuate.

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Long Term Care Insurance

Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

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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. 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*. Some of the different types of annuities are:

*Guarantees are dependent upon the claims paying ability of the issuing insurer.

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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.

Subject to a sales charge for early withdrawals and may be subject to income tax. Withdrawls prior to 59.5 are subject to a 10% tax penalty.
*Guarantees are dependent upon the claims paying ability of the issuing insurer.

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Lifetime Income Annuities

An income annuity where income payments begin immediately - one period after the annuity is purchased. 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.

All guarantees associated with Annuity Contracts are based on the claims paying ability of the issuing insurance company. Withdrawals may be subject to regular income tax, and if made prior to age 59 1/2, may be subject to a 10% IRS penalty. In addition surrender charges may apply.

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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 variable investment account options. 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.

Offered through NYLIFE Securities LLC (member FINRA/SIPC), and a Licensed Insurance Agency.

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Income annuities

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.

Guaranteed Lifetime Income Annuities**

An income annuity where income payments begin immediately - one period after the annuity is puchased. 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.

**Guaranteed Lifetime Income Annuities are issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation).

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Guaranteed Future Income Annuities

An flexible premium deferred income annuity can help you meet the unique challenges of retirement. Like a pension plan, it can provide guaranteed income, helping you build a retirement strategy on your own terms through a customerized stream of income payments that will last for your entire life.

 

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Investments#

At New York Life and its subsidiaries, 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 offer 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).

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Other Products

Follow this link to information about other products, such as Disability Income Insurance, Individual and Group Health Insurance products.**

**Products 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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Long Term Care Insurance

Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

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Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

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