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Berryhill New York
New Yorkers walking beneath the Manhattan Bridge in DUMBO, Brooklyn
Life Insurance

Protect the life you're building — and the legacy beyond it.

Every New York chapter · Every future aheadInsurance for lives in motion
A Berryhill approach

Explore your life insurance options with an agent who'll take the time

Losing a loved one is never easy. The last thing anyone should have to worry about while grieving is how they'll cover funeral costs, a mortgage, or everyday expenses. With the right life insurance policy, your family will have the funds they need to keep moving forward.

Life insurance is what our clients most often thank us for. We'll sit down with you, explain term, whole, and universal life in plain language, and help you choose coverage that fits your family and your budget — no pressure, no jargon.

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Family protected by life insurance
Built for every New York chapter

We offer all kinds of Life Insurance

We offer a variety of life insurance plans that differ in benefits and provisions. We'll help you weigh the pros and cons of each, then choose the plan that best fits your family's situation.

Plan Types

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
FAQ

Frequently Asked Questions

What's the difference between term and whole life insurance?
Term life covers you for a set period (usually 10, 20, or 30 years) at a lower premium — good for income replacement during working years. Whole life lasts your entire lifetime and builds cash value, which you can borrow against. Universal life sits in between and offers more flexibility around premiums and benefits.
How much life insurance do I need?
A common rule of thumb is 10–12 times your annual income, but the right answer depends on your debts (mortgage, student loans), how many dependents you have, and what lifestyle you want them to maintain. We walk through your full picture in the consultation.
Is the life insurance through my job enough?
For most people, no. Employer-provided coverage is usually 1–2x your salary and disappears if you change jobs. A personal policy goes with you, locks in your rate at a younger age, and builds cash value if it's a permanent policy.
Can I get life insurance with a pre-existing condition?
Most people can. Rates depend on the condition, how well it's managed, and your overall health. We work with the coverage options available to us to find the right fit so you don't get stuck.
How long does approval take?
Simple term policies can be approved in a few days with no medical exam. Larger or more complex policies typically take 2–4 weeks including the medical exam.
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Tell us about you — we'll take it from there.

For the people and legacy that carry your story forward

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