Insurance & Annuities

In today’s world, securing your family’s financial future can be daunting and uncertain.

We at Klazmer Financial Group will help you navigate through the process. In conjunction with our detailed planning strategies, we provide a number of important products, including insurance and annuities, which will help protect you, your family and your business in the years to come.



Family Home PageInsurance, in its many forms, serves to protect your family and minimize hardship in difficult times. Insurance plays an essential role in planning your estate, creating your legacy and providing for the next generation. It also serves to replace your income in the event that an accident or illness prevents you from working or should you require care at home or in an assisted-living facility. We make it our priority to find the best policy with the best carrier to fit your needs, whether you are looking for life, disability, long-term care or group insurance.

Life Insurance

In addition to helping provide for the needs of your family, life insurance is an integral part of your estate, retirement and business succession planning. In order to best suit your needs, Klazmer Financial Group offers term life, universal life, whole life and survivorship life insurance.

Term Life Insurance

Term life policies provide coverage for a specific period of time – usually 10, 15 or 20 years. Term premiums are initially less expensive than the premiums for a permanent insurance plan, due to the short-term nature of the coverage. While there is typically an option to convert a term policy to permanent insurance, coverage will terminate without any value.

Universal Life Insurance

Universal life is a permanent insurance policy, which offers you the flexibility to change your premiums and death benefit as your needs change. The premium flexibility enables you to tailor your coverage, accumulate the desired level of cash value and extend coverage for the length of time that you choose.  The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.


The policy will terminate at ant the time cash surrender value is insufficient to pay the monthly deductions.  This can happen due to insufficient premium payments, if loans or withdrawls are made, or if current rates or charges fluctuate

Whole Life Insurance

Whole life guarantees coverage for your entire life, as long as premiums are paid. Whole life policies are designed to accumulate significant cash values on a tax-deferred basis.

Survivorship Life Insurance

Survivorship life insurance - covers two people and provides payment of the proceeds when the second-insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals. The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments. If loans or withdrawals are made or if current interest rates or charges fluctuate.

Disability Insurance

The question “what will happen if, as a result of an accident or an illness, I can no longer work” is an important one to ask yourself. Your expenses will continue even if your ability to generate income has been impaired. Your capacity to earn a living is your greatest asset and can only be properly protected with disability insurance.

Long-Term Care Insurance

Group Insurance

Group insurance is available to companies with as few as two employees. The nature, quality and flexibility of coverage improve as the number of enrolled employees increases. In addition to medical insurance, we also offer life, disability and long-term care insurance for your business.


AnnuitiesAn annuity can help you accumulate money or provide you with a guaranteed stream of income for your lifetime. With retirement on the horizon, it is imperative to begin planning; establishing an annuity is an instrumental step to take in this process. Annuities are an effective way to accumulate monies for retirement and can be used to generate lifetime income.









Fixed Deferred Annuities

A fixed deferred annuity is an excellent way to accumulate money for retirement, with safety of principal and the advantage of tax-deferred growth at a guaranteed interest rate.

Variable Deferred Annuities#

A variable deferred annuity also offers the advantage of tax deferral, which can be used to accumulate money for retirement. The policy’s value fluctuates with the performance of your investment account, based on the mutual funds that you select. There are fees, expenses and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks.

Lifetime Income Annuities*

A lifetime income annuity is designed to provide you with guaranteed income for your lifetime. Payments are guaranteed to be paid to you for as long you live and regardless of how the financial markets perform.

# Securities offered through NYLIFE Securities LLC, (member FINRA/SIPC), a licensed insurance agency
* Lifetime income annuities are guaranteed based on the claims-paying ability of the issuer