Howard Kaye Insurance Agency, LLC.

It’s a Wrap!! Just finished shooting our new infomercials and commercials ! Love being in the studio! Excited to see the final product!!

The life insurance advisor distinction is hugely important. While we do sell life insurance, selling is second to educating.

We’re the leading experts in the innovative use of life insurance to create and preserve wealth. In fact, the Kaye family have been pioneers in the field, dealing with wealth creation and preservation strategies since the 1960s, when this field was still barely recognized or known. Because we deal with many of America’s wealthiest families, we understand the specific estate planning issues you face.

We stand on the merit of our knowledge and solutions. Find out for yourself, give us a call today and let us answer any questions you have about life Insurance.

📞1(800)DIE-RICH

Disability is a type of insurance that can generally be purchased until you are 70, as long as you are working. Most policies don't last forever anymore.

More and more of my clients are people who make this discovery later in their lives when they retire. The price of disability is also rated depending on your occupation.
There is no occupational restriction for Long Term Care. What's more, your coverage is available when you go on claim for the rest of your life.

If you can't perform two or more of your activities of daily living or you are cognitively impaired you will have benefits.

Research on the positives of having a long-term care policy shows several potential benefits:

Financial Protection: Long-term care insurance can help protect individuals and their families from the potentially high costs of long-term care services. It can provide coverage for nursing home care, assisted living, or in-home care, reducing the financial burden on individuals and preserving their assets.

Choice and Control: Having a long-term care policy gives individuals greater control over the type and location of care they receive. It allows them to choose the care setting and provider that best suits their needs and preferences.

Peace of Mind: Long-term care insurance provides peace of mind, knowing that there is a plan in place to address future long-term care needs. It can alleviate the worry and stress associated with the potential financial implications of requiring long-term care.

Considering 3 out of 4 individuals will need long-term care, it’s worth looking into. Click the link in our bio to learn more about long-term care and how you can get life insurance coverage with long-term care benefits.

Life insurance can be used to provide funds for heirs' college expenses through various strategies. Here's how it can be utilized:
1. Education Savings: A portion of the life insurance policy's death benefit can be allocated specifically for the purpose of funding college education expenses. This ensures that a lump sum of money is available when needed.
2. Cash Value Withdrawals: Permanent life insurance policies, such as whole life or universal life, accumulate cash value over time. Policyholders can withdraw or borrow against the cash value to cover college costs. However, it's important to consider the impact on the policy's death benefit and any potential tax implications.
3. Policy Assignment: The policyholder can assign ownership of the life insurance policy to the intended beneficiary, such as their child or grandchild. This allows the beneficiary to access the policy's cash value or death benefit to pay for college expenses directly.
4. Policy Riders: Some life insurance policies offer riders specifically designed for education expenses. For example, an accelerated benefit rider may provide an advance on the death benefit if the insured becomes critically ill, which can be used for college costs.
5. Trusts: Establishing an education trust and funding it with life insurance proceeds can provide a structured approach to managing college expenses. The trust can specify how the funds should be used for educational purposes.
It's important to consult with a trusted professional to understand the specific options available and to tailor the life insurance strategy to meet the intended goals for funding college expenses or any other legacy goals you may have.


Life insurance is more than protection, it can also be an opportunity. Find out how you can maximize your wealth for the benefit of family or charity by visiting the link in our bio or reach out to us directly @ 1(800) DIE-RICH