Health and Life

• Life Insurance
  Starting a family, mortgage protection, getting married (or getting divorced), retiring (choosing the best pension option), estate planning, college funding, final expenses, or business life needs (such as buy-sell policies and executive bonuses).
• Health Insurance
  Today's market is rapidly changing. In selecting a health insurance broker, it is vitally important that one is chosen who is up to date with all the changes mandated by the Affordable Care Act (ACA). We are certified with New York State to act as a broker for both the group and individual exchanges. We also work with an outside law firm to help ensure employers are in compliance with all the new regulations mandated by ACA.
• Disability Insurance
  What happens if, due to an injury or illness, you were unable to work again? How could you support yourself, let alone your family? Disability insurance will replace your lost income and should be a key piece of your insurance portfolio. Most policies will pay a monthly benefit tax free until retirement age or beyond. Business owners are also eligible for coverage that keeps your business going in case of this need.
• Long Term Care
  According to the New York State Department of Health, the average cost of a nursing home is almost $400 per day or $15,000 per year on Long Island. Also, 2 out of every 3 people over age 65 will require some form of long term care in their lifetime. Medicare pays very little, if any, towards these costs and Medicaid requires a significant "spend down" of your assets before they pay.

Business

• Commercial Liability Insurance

Personal

• Annuities
  Jack specializes with group and individual clients for various insurances such as health, life, disability, long term care, annuities as well as property and casualty coverage. He is certified as a broker for The New York State of Health for its group and individual exchanges. He is also licensed with the New York State Partnership For Long Term Care to sell their specialized policies.