Life insurance

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Basic Types of Individual Life Insurance Individual life insurance falls into two basic categories of term or permanent policies.

Individual Term Life Insurance This type of policy lasts for a certain number of years, typically 5 to 30. A term life insurance policy only pays death benefits if the person dies within the policy period. It is a means to ensure that funds for specific purposes, such as college tuition, debts owed, or the mortgage on your home, are covered in case you die during a finite time frame.

Permanent Life Insurance As long as you stay current on your premiums, permanent life insurance provides coverage for your entire lifetime. This type of policy is often used for tax and estate planning purposes and for funding trusts for dependents with special needs. Most of these policies have a savings component that allows for the accumulation of cash value on a tax-deferred basis. Typically, the premium of a permanent life policy stays the same for the lifetime of the policy and does not increase as you age.

Individual Life Insurance Costs The cost of individual life insurance varies from person to person and depends on the type of policy, the amount of coverage, and factors such as overall health and age. Our agent at Eastern Insuring Agency in Plattsburgh, New York, can help you find the right life insurance policy to suit your needs.

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Who referred you to us? We'd love to send them a thank you card.

Very quick to resolve an issue i was having.

Jean M., customer since 2017

Very easy to deal with.

Customer since 2024

They were very helpful, above and beyond.

Arthur P., customer since 2024

Eastern Insurance Agency is great to work with! The staff is always courteous and very helpful I would certainly recommend them for all your insurance policies!

Darwin L., customer since 2008

Quick, friendly and professional staff!

Terry D., customer since 2014

Eastern Insuring is a trusting insurance company you can count on! Fast, efficient and courteous.

Ellen M., customer since 2009

Everybody in your office is vary professional . Vary informative, and they keep in contact with clients.. Thank You..

Francis L., customer since 2017

Answered all my questions even though I don’t come from Plattsburgh

Mario M., customer since 2023

The Franklin County Land Bank (FCLB) is a new non-profit entity that acquires and improves tax-delinquent properties so that they can provide affordable housing for Franklin County (FC) residents. A portion of the FCLB funding is provided by NYS Homes and Community Renewal (HCR). FCLB required several different types of insurance to meet the requirements of FC, HCR, and other coverage. Frank Shambo solicited proposals from multiple insurance companies to provide the required coverage and negotiated the best pricing for FCLB. Since FCLB is a new entity without a track record, some companies would not provide any quote, making the effort more challenging. Frank provided excellent advice and service.

Customer since 2023

I appreciate that my insurance needs are taken seriously. From the first telephone conversation with Kylie I was confident our business was in good and capable hands. I have always received great service with our insurance needs.

Kathleen G., customer since 2023

Penny knew I was in a pinch and did not hesitate to find and secure coverage for me immediately. I called her approximately an hour before they closed on the day before Thanksgiving and she had me set and squared away before closing.

Customer since 2023

FRIENDLY, COURTEOUS, HELPFUL, HELPED ME UNDERSTAND CERTAIN THINGS, HAD THE ANSWERS TO MY QUESTIONS,.............AND SAVED ME MONEY WITH MORE COVERAGE !

Timothy B., customer since 2010

Your office assisted us in clearing up several issues. We really appreciate you taking your time to assist us. It's good to know that there's someone available locally. Thank you.

Customer since 2003

You were all very friendly and made me feel like I mattered as a person.

Customer since 2023

Your staff is always friendly and kind. You are always willing to help your customers in a timely manner. Hope this helps. Merry Christmas!

Lisa D., customer since 2023

Very friendly and are quick to help thank u all for the great customer service and happy holidays

Erin B., customer since 2023

Very responsive and helpful service at every step!

Customer since 2023

I feel that Kylie works quickly to answer my questions.

Customer since 2023

Friendly service and easy to do business with.

Micheal M., customer since 2023

Very good at getting back to you with any questions updates etc. The team works together and there's always someone to answer the phone Monday through Friday. Everyone is always friendly and professional

Customer since 2023

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