Life and health insurance
The policies that protect a household's income rather than its possessions: life insurance for the people who depend on you, health coverage before Medicare, and disability income if you can't work. Compared across carriers, explained without pressure, and, for Turkish-speaking families, in Turkish.
I'm licensed in New York for life, accident and health insurance (LA-1934647) and certified with NY State of Health. That covers term and permanent life insurance, fixed annuities, individual and family health plans under 65, disability income insurance, and Medicare. There is no fee for any of it; carriers pay a commission and your premium is the same whether you apply through me or directly.
The three policies
Life insurance
Term life for most working families; whole or universal life for permanent needs; final expense policies alongside Medicare planning. Sized from what your household would actually need, not from a sales target.
Life insurance →Health insurance under 65
NY State of Health marketplace plans with premium tax credits, the Essential Plan, coverage between jobs and for the self-employed, and bridging the years to Medicare.
Health insurance →Disability income insurance
Replaces part of your paycheck if illness or injury stops you working. New York's DBL pays $170 a week; that's the gap this fills.
Disability insurance →And Medicare
Medicare is its own cluster on this site because it's the largest part of my practice: the Medicare overview, turning 65, and Medicare under 65 on disability. Health insurance under 65 and Medicare meet at the point where someone retires early and needs to bridge a few years; that conversation is on the health insurance page.
Needs first, then products
New York's Regulation 187 requires anyone recommending life insurance or an annuity to act in the client's best interest, based on their actual financial situation. I'd do it that way regardless: the first meeting is about what your household would need if you weren't there or couldn't work, and the products follow from the number. If the honest answer is that you're already covered, I'll say so.
What I need to start
- Who depends on your income, and for how long.
- Existing coverage: employer life, group disability, current health plan.
- Basic health information and, for health plans, household income for the tax credit.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Is there a fee for working with you on life or health insurance?
No. For marketplace health plans, life insurance and disability insurance the carrier pays a commission and your premium is identical to applying directly. For Medicare plans the same applies. I'll say clearly if any product I discuss carries a fee, which for these lines it doesn't.
Can you help someone who is self-employed?
Yes, and it's most of what this cluster is about. Self-employed people in the Capital Region typically need a marketplace health plan, term life sized to their family's needs, and disability income insurance, since there's no employer plan behind them. I put the three together and price them as a set.
Do you sell annuities or investments?
I sell fixed annuities. I don't sell variable annuities, which require a securities registration I don't hold, and I don't give securities or investment advice. Any life insurance or annuity recommendation I make follows New York's best-interest rule (Insurance Regulation 187, 11 NYCRR 224): I look at your needs, finances and alternatives before recommending, and you get the required disclosures in writing. If a recommendation touches on retirement or estate questions, I'll say where my role ends and suggest you involve your accountant or attorney.
Talk through life or health coverage
Tell me what you're trying to protect and for how long, and I'll show what fits. No fee for any of it.
Where I work
I'm based in Clifton Park and work in person across six counties, the four on the map plus Warren and Washington, or by phone.
Close to the Clifton Park office: Clifton Knolls, Country Knolls, Rexford, Vischer Ferry, Jonesville, Groom's Corners and Halfmoon across Route 9 — I'll come to you at home.
Auto, home and business insurance by town
Medicare has its own county and town pages.