1-800-361-1741
 

Simplified Life Insurance Products

Choose the coverage that's right for you.

Simplified
Term Life
Insurance »

  • Protection Amount

    Up to $150,000
  • Eligibility

    Ages 30-74 can apply
  • Coverage Period

    Insured until age 80
  • Rates

    Lower initial rates that
    increase with age
  • No Medical Exam Required

    Acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.
  • See Rates and Apply » Get Info by Mail »

Simplified
Whole Life
Insurance »

  • Protection Amount

    Up to $50,000
  • Eligibility

    Ages 30-75 can apply
  • Coverage Period

    Insured for your lifetime
  • Rates

    Rates are guaranteed
    never to increase
  • No Medical Exam Required

    Acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.
  • See Rates and Apply » Get Info by Mail »

Guaranteed
Acceptance
Life Insurance »

  • Protection Amount

    Up to $15,000
    limited benefit for the first 2 years
  • Eligibility

    Ages 50-80 can apply
  • Coverage Period

    Insured for your lifetime
  • Rates

    Rates are guaranteed
    never to increase
  • No Medical Exam Required

    No health questions, your
    acceptance is guaranteed,*
    includes extra mortality
    risk charge
  • See Rates and Apply » Get Info by Mail »

Products and online application not available in all states.
* If you're already insured with the program, the full coverage amount may not be available.

Start here to see
side-by-side rates.

Gender
Tobacco/Nicotine Use

Includes all forms of tobacco and nicotine use within the last 12 months.

New York Life offers a range of coverage amounts and solutions including:
  • Coverage over $150,000
  • Retirement planning
  • Mortgage protection
  • Long term care insurance
Call 1-800-361-1741

Monday - Friday 8 a.m. to 8 p.m. (ET) or Saturday 9 a.m. to 5 p.m. (ET)

or click here for more information.

How Can Life Insurance Help the Ones You Love?

money

Pay Living Expenses

Life insurance can help your family with household expenses and other costs, or help your spouse while he or she waits for Social Security or other retirement benefits to begin.

dollar-sign

Pay Final Expenses

The cost of the traditional funeral and burial alone is now more than $7,000, according to the National Funeral Directors Association, 2009.

bill

Help with Bills You Leave Behind

That includes medical bills, car loans and other outstanding financial obligations.

mortgage

Pay Your Mortgage

It can help with mortgage payments or rent, so your family can stay in the home they love.

gift

Leave an Inheritance

You can leave an inheritance when you purchase a life insurance policy and name your heirs as beneficiaries. Or they can use the funds to pay education costs.

Backed by the Strength of New York Life Insurance Company

New York Life Insurance Company has the highest possible ratings for financial strength currently awarded to any

life insurer from the leading independent rating services.

A++

"Superior"

from A.M. Best

AAA

"Exceptionally Strong"

from Fitch

AA+

"Very Strong"

from Standard & Poor's

Aaa

"Exceptional"

from Moody's

Ratings as of 5/01/17

A.M. Best, Fitch and Moody's Investors Service Highest Rating. Standard and Poor's Second-Highest Rating.