New York Life

NYL agents seem to have the same agenda. I have now visited three different offices and come to the same conclusion. They despise people asking about term life. They will do their best to brainwash you into buying their whole or universal life whether it meets you needs or not. BTW, their premiums will be the highest if you care to compare rates with other insurance companies. All agents I’ve spoken to were condescending and over cocky. My advice to you if you’re not interested don’t bother starting the application process. If you do, you’ll be reminded of how much you’ve wasted their time… I am really turned off by NYL’s approach at selling life insurance and wonder how they ever could be top rated.

Let me start with a little bit about myself and my situation. I am 28, single mommy, and getting back on my feet again after a disastrous, toxic marriage. I am a part time esthetician and full time mommy so my income is very budgeted.
After my divorce i realized how dependant i had became on my ex and was left incomeless and almost homeless, life just handed me a large dose of reality and opened my eyes to an enormous mistake I had made as a woman, depending on someone who could ultimately be gone in an instant. I soon became aware of just how crucial a QUALITY life insurance/​retirement plan was to me.
I am now completely dependant on myself and have made the choice to start a nest egg for my little boy and myself. I have been doing tons of research for about a year or so and in the meantime have been putting away about $ 150 month into my savings acct with my local bank. I have read about 401k and Roth IRA and some other private options but none of these felt right to me. it just didnt make sense how you put your money into these plans thinking «okay my money is safe here» but in reality its not and you do not have much or any benefits whatsoever.
This had been a constant worry of mine for about a year until about a month ago i came across Gigi Nguyen, a financial advisor at New york life. She was accidently booked with me at my spa. She was so sweet! She brought all of us muffins for no reason and didnt even know us yet. As i was servicing her we talked about our kids and mommy stuff and somehow i told her about my financial situation not even knowing she was in that business. She explained everything about new york life products and i knew that this was a «divine meeting» as she called it. After that, we met at her office went over what i was looking for and how much i could afford and she made it work around me. I love gigi, she is the sweetest woman ever and made me feel comfortable about my situation. I dont have a big income and its kind of very uncomfortable divulging that information to someone in the financial field but not once did Gigi make me feel humiliated. She treated me with the same quality service and respect as with someone with a million dollar policy. If anyone thinks they cant afford life insurance they are wrong. You decide how much you want to put in and Gigi is extremely knowledgeable and will find the right product for you. Thanks again gigi for your support and guidance for my future.

I originally purchased life insurance through my car insurance company. I didn’t know any better. I thought it was convenient and went for it.
Long story short, the car insurance company sold me a life insurance policy that was in no way related to themselves. It was a no-​namer. So I did some digging online and decided I needed a more reputable company.
I knew I wanted New York Life. They are a HIGHLY reputable company. I did consider others such as John Hancock or MetLife, called them up too. I chose to go with New York Life and their products. But finding a good agent was the other question. I decided to Unilocal New York Life and found Scott. It was the BEST decision we could have ever made.
Our old policy auto company sold universal life. We pay premiums for X number of years but the time we are in our 70’s the policy is worth NOTHING. Of course we are given the option to extend our universal life policy, but it will be at some outrageous prices. It’s completely counter-​productive to our current needs. Also universal life was expensive.
Our goal was to cover our family, with 2 kids, in the event something should happen to us. So we needed X dollars. Now with Scott’s help, not only did we save money on premiums we are both covered with the same X dollars, PLUS we are covered until 120 something years old.
So if you are interested in New York Life, Scott is your man. He’s a good family man who understands the needs of young families like ours. Even if you don’t have a young family and just want a life insurance better than the one offered at your work, he can take care of you too.
I used to work in the insurance industry and I do not go back to my ex-​colleagues for insurance needs. Scott is a rare gem in this industry. He’s got my vote!

Scott Schultz is my agent and I’d recommend him to anyone! This has been a great experience buying life insurance & «long term care». I’d looked at every company I could find. The Hartford, Ameritas, John Hancock, you name it I tried them. This guy Scott met me at a community marketing event making free ID cards for kids. He came prepared with a logical pitch for insurance that met my budget requirements. Soon the underwriter sent out Kayla to take my blood and do my physical at my work for my convenience. This is old school care for the customer approach to selling insurance. I’ll never leave New York Life!!!