Thoughtful planning for your family, your income, and the years ahead.
Independent advice · Merrick, NY
Financial protection is personal. The right conversation starts with the people who depend on you, the income your household needs, and your longer-term goals—not with a product name.
The David Jacobs Agency helps you explore life insurance, disability coverage, long term care options, and annuities. We explain how each option serves a different purpose and review features, costs, limitations, and eligibility so you can make an informed decision.
Consider how your household would manage if income stopped or a loved one passed away.
Life insurance can provide a death benefit to beneficiaries when the insured person dies, subject to the policy's terms. Term and permanent policies serve different needs and have different costs and features. A review can start with income replacement, debts, family responsibilities, and how long protection may be needed.
What to review
Disability income insurance can replace a portion of income when a covered illness or injury prevents you from working. Benefits depend on the policy's definition of disability, waiting period, and benefit period. Individual coverage can be reviewed alongside employer-provided benefits.
What to review
Explore future care costs and retirement income options with attention to their long-term commitments.
Long term care insurance can help pay for eligible care when policy benefit triggers are met, such as needing assistance with specified activities of daily living. Depending on the policy, eligible services may include care at home or in a facility. Costs, eligibility, benefit limits, and possible premium changes deserve careful review.
What to review
An annuity is a contract with an insurer that can provide income or accumulate funds, depending on its type and terms. Annuities differ in fees, surrender charges, investment risk, and access to funds. Any insurer-backed guarantee depends on the issuing insurer's claims-paying ability; an annuity is not an FDIC-insured bank deposit.
What to review
A few details can help us make your coverage review more useful.
Please do not send medical records, Social Security numbers, or other sensitive personal information through the website or ordinary email.
Common questions
This information is a general guide, not a description of any specific policy or a guarantee of coverage. Availability, eligibility, limits, exclusions, and benefits vary by insurer and policy. Your policy documents govern coverage. Contact the agency for advice about your circumstances; coverage cannot be bound or changed through this website or email.
Local guidance since 1937
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