Stephen R. Garcia

Products

Life Insurance

A life insurance policy is an effective way to protect your family's lifestyle and future, and we offer several different types of life insurance that can be tailored to your unique needs. Some provide temporary protection for shorter-term needs, while others are best for long-term or permanent protection. Permanent life insurance policies can even provide a cash value that may grow tax-deferred over time. Your cash value can be accessed to help supplement your retirement income when your protection needs decrease later in life, or for any other major life event need, such as paying for a child's college expenses.* Explore the versatility of life insurance and what it can do for you and your loved ones.

*Adult daughter hugging mother on a front porch

Long-term Care Insurance

Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect your or a family member's future and help preserve the assets you've worked so hard to build. Click here to learn more.

mature woman kayaking on a river with man in the background

Individual Disability Insurance

Your ability to earn an income is probably your most valuable asset. A foundation of any sound financial strategy is having protection of a portion of the income that might be lost if an injury or sickness prevented you from working. Click here to learn more.

Retired couple sitting in front of a tent while camping

Income Annuities

If you're preparing for retirement and are concerned about a stable source of income in retirement, consider one of our guaranteed income annuity products.¹ You can select an immediate annuity which starts paying income right away (usually within 12 months), or a deferred income annuity which allows you to put money away now for lifetime income payments that start when you need them in the future.² Either way, you can rest easy knowing you'll always have a steady income stream when you need it most.

Other Products

We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products. If we don't offer it, chances are we can assist you³.

To learn more about our products and services, feel free to give us a call or request a free consultation. We’ll be happy to answer all your questions and make recommendations based on your specific situation.

*Accessing cash value will reduce the available cash surrender value and death benefit of the policy.

¹Guarantees are backed by the claims paying ability of the issuer.

²Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before 59 ½ may also be subject to a 10% federal tax penalty.

³Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.