Life Insurance Guidance for Your Family's Future
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Clear information on Term, Whole Life, and Indexed Universal Life for Long Island and NYC families.
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Call (631) 389-2358 | Text (631) 904-0901 | admin@atlasbenefitsadvisor.com
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Trusted by families across Long Island and the New York metro area
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Coverage Options
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Term Life
Coverage for a set period (typically 10–30 years). Lower initial premiums. Often chosen for income replacement during working years or to cover a mortgage. No cash value component.
Whole Life
Lifetime coverage with fixed premiums and guaranteed cash value growth. Frequently used for permanent protection and estate planning objectives.
Indexed Universal Life
Permanent coverage with flexible premiums and the potential for growth linked to a market index. Offers premium flexibility alongside lifelong protection.
Recommended Coverage by Income
General guidelines only — your actual needs may differ based on debts, dependents, and goals
| Annual Income | Suggested Coverage Range |
|---|---|
| $50,000 | $500,000 – $750,000 |
| $75,000 | $750,000 – $1,125,000 |
| $100,000 | $1,000,000 – $1,500,000 |
| $150,000 | $1,500,000 – $2,250,000 |
| $200,000+ | $2,000,000 – $3,000,000+ |
These ranges follow a common 10–15× income guideline. Factors such as mortgage balance, number of dependents, existing coverage, and long-term goals can significantly change the right amount for your family.
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Getting Started
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Clear answers to the questions that hold many people back.
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Life Insurance Quote
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Submit Another RequestLife Insurance Decision Guide
A one-page overview of Term, Whole Life, and Indexed Universal Life — plus a coverage amount guideline.
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Complimentary Decision Guide
A one-page overview of Term, Whole Life, and Indexed Universal Life.