Our Products

THE PATH Financial Strategies provides a variety of life insurance and financial products to meet most any business or financial need. Browse through our offerings and related articles, or contact us for an in-depth discussion of your financial goals.


Life Insurance benefits families with dependents, but it also can be important for a well-planned estate, business succession or charitable giving plan. Permanent life insurance offers living benefits as well, such as tax-deferred cash value accumulation. Life insurance is important for someone starting out – or for someone starting over.

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

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

Universal Life is a permanent insurance policy, like whole life, that it insures you for your entire life as long as premiums are paid. Universal life offers flexibility to change your premiums and death benefit as your circumstances change.

Variable Universal Life# combines the premium and death benefit flexibility of a universal lifepolicy with investment opportunities. Your premium can be allocated among a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. However, along with risk comes potential for financial reward.

Survivorship Life is available as whole life, universal life or variable universal life#. It covers two people and provides payment of proceeds when the second insured individual dies. Survivorship life insurance can help meet goals related to estate planning or business continuation.

Annuity is a unique financial vehicle designed to help accumulate money for retirement and/or turn a lump-sum of money into a guaranteed1 stream of income payments.

Deferred annuity offers the advantage of tax-deferral and can be used to accumulate money for retirement.

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 investment account’s performance. There are fees, expenses, and risks associated with the contract, and assets allocated to the investment divisions are subject to value fluctuations and market risks.

Fixed Deferred Annuity The money in your annuity earns a fixed rate of interest and your money accumulates on a tax-deferred basis, meaning you do not pay taxes on your earnings until you actually withdraw them from your policy.

Income annuity is used to generate a stream of income payments that is guaranteed1 to last as long as needed – even for the rest of your life.

Investment# products and services are available to help you develop a sound, long-term investment strategy. Choose from more than 2,500 mutual funds, including self-directed, tax-deferred individual retirement accounts (IRAs). We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

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 you or a family member's future plans and help preserve the assets you've worked so hard to build.

Retirement Income offers guaranteed1 products for both accumulating assets and then providing a monthly income for the rest of your life.
Other ProductsWe 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.2 If we don't offer it, chances are we can assist you.


Need help in deciding which products are right for you and your family?

Please contact us for an analysis of your needs and our product recommendations.

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

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

2Products 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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