Our Services

 What We Can Offer You

Protection Portfolio

BUSINESS SUCCESSION AND ESTATE CONSERVATION STRATEGIES

While we are not in the business of offering tax or legal advice, we can work with you and your professional advisors to help you select the most appropriate products and services for your personal situation and provide information in the areas of:

  • Income and Estate Tax Consequences of Qualified Plans
  • Business Succession
  • Legacy Planning
  • Charitible Giving Strategies
  • Long-Term Care Insurance

INCOME REPLACEMENT INSURANCE PRODUCTS*

Disability Income Insurance today plays a significant role in a financial strategy.  We help you review and select features that are appropriate to your situation:

  • Disability Income Protection
  • Business Overhead Insurance
  • Group Disability Benefits
  • Benefits up to $15,000 a month
  • Non-cancelable/Guaranteed Renewable Coverage available
  • Multi Life Discounts

LIFE INSURANCE

  • Variable Life, Universal Life and Whole Life Insurance
  • Term Life Insurance
  • Key Person Protection
  • Payroll Deduction Life Insurance
  • Group Life Benefits
  • Accident Death & Dismemberment Coverage

BANK PRODUCTS**

  • Certificates of Deposit (CDs)
  • Money Market Accounts
  • Savings Accounts

*These policies provide disability income insurance only.  The do NOT provide basic hospital,basic medical or major medical insurance as defined by the New York State Insurance Department.  the expected benefit ratio for these policies is at least 50% depending on the policy.  This ratio is the portion of future premiums, which MetLife expects to return as benefits, when averaged over all people with the applicable policy.

**Banking products and services, including deposit accounts, offered by MetLife Bank, NA Member FDIC, a MetLife affiliated company.

Investment products are not bank deposits, not insured by the FDIC, not guaranteed by or obligations of the bank, not insured by any Federal government agency, may go down in value and are subject to investment risk, including possible loss of principle amount invested.

Investments

MUTUAL FUNDS

Over 150 fund families from which to choose.  Mutual funds offer you a number of benefits including:

  • Professional Management
  • Liquidity
  • Flexibility
  • Diversification
  • Convenience

FUNDING AND SERVICES FOR THE FOLLOWING QUALIFIED PLANS

  • 401(K)
  • Roth IRA
  • Pension Plan Funding and Administration
  • Profit Sharing and Money Purchase Plan Funding
  • SEP

FUNDING AND SERVICES FOR THE FOLLOWING NON-QUALIFIED PLANS

  • Deferred Compensation/Salary Continuation Plans
  • Funding Options for Executive Bonus Plans
  • Split Dollar Insurance
  • Voluntary Benefits Plans

Like most insurance and annuity policies, MetLife policies contain limitations, exclusions, surrender charges, termination provisions and terms for keeping them in force.  See your MetLife Financial Services Representative for complete details.

 

 Mutual funds, variable life and variable annuities are sold by prospectus, which is available from your registered representative.  Please carefully consider investment objectives, risks, charges, and expenses before investing.  For this and other information about any mutual fund, variable life or annuity investment please obtain a prospectus and read it carefully before you invest.  Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed.  Diversification cannot eliminate the risk of investment losses.