Life Insurance Insurance

Live Better Knowing the Future is Covered

New York Life Insurance

Having a life insurance plan in place sooner rather than later is the most important decision you might ever make for your family and for yourself. At Imperial Coverage, we are prepared to help you see that decision through. Your life insurance policy is integral to estate planning, your business succession, or your dependents’ future.

Imperial Coverage will provide you with unique access to income planning opportunities that will allow you to access your death benefit while you are alive and healthy. These opportunities can also increase your guaranteed income to maximize your liquidity. Our versed experts will help you analyze investment alternatives, including optimization of any current policies you may own, to ensure you are thoroughly covered.


Life insurance policies can allow you more flexibility in allowing your wealth to be passed down to multiple generations while avoiding estate taxes due at the death of each generation.
Full Life
Whole Life
This is also known as permanent insurance. As long as pre-set premiums are consistently paid, you will receive coverage throughout your entire life. Whole life policies accumulate cash value tax-deferred.
Term Life
Term Life
Term life policies provide coverage for a specific amount of time, such as 10 years, 20 years, or 30 years, depending upon your needs. Term premiums are often less expensive than whole life premiums, but once the term of policy is complete, coverage terminates. There is no cash value accumulation with term life policies.
Universal 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 is different from whole life in that it offers you flexibility that enables you to change your premiums and death benefit as your needs change.
Survivorship Life
Survivorship life insurance is available as whole life or universal life. It covers two people and provides payment of the proceeds when the second insured individual passes away. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
Each policy yields its own benefits. Contact our team to discuss which plans might be most conducive to your current situation and future plans.