NY Life Insurance Agent License · Nonresident Licenses Obtained Nationwide as Needed
Protect Your Family. Accumulate Cash You Can Access While Alive. Build Generational Wealth For Your Family.
Life insurance is not just about death — it pays YOU while you are alive. For cancer, stroke, disability. It funds school fees, college tuition, and student loans. It buys your home, retires your mortgage, and leaves your children $500,000–$1,000,000 tax-free.
Nursing Home Waiver of Premium$0 — ALL premiums WAIVED
Chronic Illness Rider$2,000+/month additional
COMPLETE COVERAGECare paid + income + $0 premiums
⏳ Terminal Illness (12–24 months prognosis):
Accelerated Death Benefit (75%)$112,500 immediately
Waiver of Premium$0 — ALL future premiums WAIVED
Family receives remaining at passing$37,500 — income-tax-free
YOU RECEIVE WHILE ALIVE$112,500 tax-free
All living benefit payments generally income-tax-free. Combined benefits cannot exceed policy face value.
Convert your life insurance cash value into guaranteed retirement income you can never outlive:
Income Base After Deferral (7.2% Guaranteed Roll-Up)
$400,544
Guaranteed Monthly Income for Life
$2,503/month
If impaired at income start → income doubles to $5,006/month
F&G Safe Income Advantage FIA · 7.2% guaranteed roll-up · ~7.5% payout rate · Guaranteed for life
Tap riders to add to your plan and see your total additional monthly cost:
🛑 Waiver of Premium
All premiums waived if totally disabled. Policy stays fully in force.
~$8/month
🔒 Guaranteed Insurability
Add coverage every 3 years — no exam ever. Ages 18–40 only.
~$5/month
💊 Accelerated Death Benefit
Access 75% of death benefit if terminally ill. Often FREE.
Often FREE ✓
🏥 Chronic Illness Rider
Monthly payments if cannot perform 2 of 6 daily activities.
~$10/month
❤️ Critical Illness Rider
Lump sum on cancer, heart attack, or stroke diagnosis.
~$8/month
🏠 Long-Term Care Rider
Covers nursing home, assisted living, and in-home care.
~$15/month
⚡ Accidental Death Benefit
2–3× payout if death results from an accident.
~$5/month
♿ Disability Income Rider
Monthly income payments if totally disabled and cannot work.
~$20/month
Selected Riders Total
$0/month
Client Gender
♀ Female — Lower Rates
♂ Male — Higher Rates
♀ Monthly Premium
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♂ Monthly Premium
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♀ Annual Cost
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♂ Annual Cost
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A $15,000 policy at age 72 costs ~$55/month for women · ~$80/month for men. If your grandchild (age 22) uses that $15,000 to start a MassMutual whole life policy — it could grow to $600,000–$1,000,000 by their retirement. That is generational wealth started by one final expense policy.
All estimates based on Preferred Non-Tobacco rates · Male rates typically 20–38% higher than female · Formal carrier illustration required for exact figures
The Process
How Your Plan Gets Built
4 simple steps from conversation to coverage — all via WhatsApp at your convenience.
01
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WhatsApp Consultation
Message us your age, gender, income, goals, and budget. Quick, easy, and entirely at your own pace — whenever is convenient for you.
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02
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Custom Plan Design
We design a multi-product strategy using the best carriers for your age, gender, goals, and budget — all permanent coverage to age 120.
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03
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Formal Illustrations
We pull carrier illustrations showing guaranteed and projected values — both male and female rates — so you see exactly what you are getting.
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04
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Apply & Get Covered
Complete application via WhatsApp or email. Paramedical exam scheduled at your home or office. Policy delivered. Annual reviews included.
Living Benefits
Your Insurance Pays You While You Are Alive
Modern life insurance protects your income, your health, and your wealth right now — for both men and women at every stage of life.
💊
Terminal Illness — Accelerated Death Benefit
Access up to 75% of your death benefit immediately if diagnosed with a terminal illness. Use it for medical bills, family support, or any purpose. Often included at no extra cost.
🏥
Chronic Illness — Daily Living Benefit
If you cannot perform 2 of 6 activities of daily living, your policy pays monthly benefits while you continue living. No need to surrender the policy — ever.
❤️
Critical Illness — Lump Sum Payment
Cancer, heart attack, or stroke triggers a tax-free lump-sum payment. Pay off debt, cover treatment, or protect your family while you recover.
💼
Disability — Waiver of Premium
If you become totally disabled, all premiums are completely waived. Your coverage stays in force — cash value and death benefit preserved.
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Long-Term Care — Nursing Home Coverage
Your life insurance pays for nursing home care, assisted living, or in-home care. Lock in this benefit while young for the lowest possible cost.
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Guaranteed Insurability — No Future Exams
Lock in your current health class forever. Every 3 years add more coverage — no medical exam, no health questions — even if your health changes completely.
Plans By Age
Every Age Has the Right Plan
Whether you are 22 or 82 — there is a plan designed specifically for your stage of life. Male and female rates always available.
18–35
Young Professional
Whole Life + IUL
Lock in lowest possible premium for life
Build $1M+ tax-free by retirement
Fund school fees & college tuition tax-free
Pay off student loans from cash value
Home down payment from cash value
♀ from ~$105/mo · ♂ from ~$135/mo
36–50
Peak Earner
Whole Life + IUL + Annuity Setup
Still time for substantial cash value growth
10-Pay option — done before retirement
Fund annuity alongside policy
Living benefits critical at this stage
♀ from ~$188/mo · ♂ from ~$242/mo
51–64
Pre-Retirement
10-Pay WL + F&G FIA
10-Pay stops before retirement begins
F&G annuity: $2,503/mo at retirement
High income = meaningful coverage now
Not too late — still an excellent window
♀ from ~$285/mo · ♂ from ~$378/mo
65–85
Senior
Final Expense + Annuity
No medical exam — guaranteed approval
Coverage in 24–72 hours
$15,000 starts generational wealth cycle
Coverage to age 120 — never expires
♀ from ~$42/mo · ♂ from ~$58/mo
Get Started
Request Your Free Plan
Every plan starts with a conversation. Use the form or tap the WhatsApp button — we respond to every message personally, typically within a few hours.
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Agent
Onyeze Group of Companies
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License
NY Life Insurance Agent License
Nonresident licenses obtained nationwide as needed
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Communication
WhatsApp — Always Available
Send us a message anytime — we respond personally
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Website
nydigitalnotary.com
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Based In
New York
Nonresident licenses obtained nationwide as needed
💬 Message Us on WhatsApp
Tap below to start a conversation directly. Include your age, gender, and budget for the fastest response.
Fill in your details — we will respond via WhatsApp within a few hours
Your information is confidential and will only be used to design your personal plan. We will respond via WhatsApp within a few hours. Life insurance products only — not health insurance.
Ready to Protect Your Family & Build Generational Wealth?
Free consultation · Everything via WhatsApp · Male & female plans · All ages welcome
We also offer fast, secure Remote Online Notary Services when you need documents handled quickly
NY Digital Notary
A professional service offered by Onyeze Group of Companies. Remote Online Notarization — completely independent from all life insurance services above.
As a commissioned Remote Online Notary (RON), we provide secure, legally compliant notarization services from anywhere — statewide, nationwide, and internationally. Available by appointment, 7 days a week.
$25 per notarial act · Secure video session · Government ID required · Via WhatsApp appointment
Notary services and life insurance services are entirely separate. Visiting this page for notarization does not constitute a solicitation of insurance products, and vice versa.
$25
per notarial act · No hidden fees
📹
Live Video Session
Secure, encrypted video notarization from your phone or computer
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Available Worldwide
Nationwide and international clients welcome
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Fully Compliant
Digital seal + secure audit trail · All documents legally binding
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Flexible Availability
By appointment via WhatsApp · 7 days a week · Evening slots available