skip to main content
Main Menu
Miller-Pomerantz Insurance and Financial Services Logo
  • About Us
    • Meet the Partners
    • Our Alliances
    • Our Process
    • Organization Chart
  • Products & Services
    • Personal Solutions
    • Business Solutions
    • Investment Solutions
    • Common Products
  • Client Education
    • Calculators
    • Video Library
  • Contact Us
    • Our Location
    • Company Directory
  • Client Login
    • Virtual Service Center
    • Eagle Strategies/NYLIFE Securities
    • Unum
    • NYLI Funds

Common Products

The team at Miller-Pomerantz Insurance and Financial Services are trained professionals who can help you identify your financial needs and then determine which financial and insurance products can best help you meet your objectives. Some of the products we often use to serve the needs of our clients include:

Life Insurance


Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out - or for someone who's starting over.

Whole Life


Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

Term Life


Term Life policies provide coverage for a specific amount of time - such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life


Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rate or charges fluctuate.

Survivorship Life


Survivorship life insurance - available as whole life, universal life or variable universal life - covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or changes fluctuate.

Annuities


An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments. Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement. Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to - even for the rest of your life*.

*Guarantees are dependent upon the claims paying ability of the issuing insurer.

Fixed Deferred Annuities


With a Fixed Deferred Annuity, the interest rate on your policy is guaranteed* never to fall below a certain amount. For many people, this provides a measure of security.

Subject to a sales charge for early withdrawals and may be subject to income tax. Withdrawals prior to 59.5 are subject to a 10% tax penalty.

Lifetime Income Annuities


An income annuity where income payments begin immediately - one period after the annuity is purchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

All guarantees associated with Annuity Contracts are based on the claims paying ability of the issuing insurance company. Withdrawals may be subject to regular income tax, and if made prior to age 59 1/2, may be subject to a 10% IRS penalty. In addition, surrender charges may apply.

Disability and Extended Care Needs


To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.


Disclosure

Matthew Pomerantz is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0K25350), CT, FL, GA, IL, IN, MA, MD, ME, MI, NC, NJ, NY, OH, PA, SC, UT, and VA. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Matthew Pomerantz is licensed and authorized to offer insurance in California, but Miller-Pomerantz Insurance and Financial Services may not be. For additional information on California licensure status, please click here.

Matthew Pomerantz is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 285 Fulton St Fl 39, New York, NY, 10007, 212-261-9555. In this regard, this communication is strictly intended for individuals residing in the states of CA, CT, FL, MD, NJ, NY, and UT. No offers may be made or accepted from any resident outside the specific states referenced.

Matthew Pomerantz is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CT, FL, MD, NJ, NY, and UT. As such, these services are strictly intended for individuals residing in the states referenced.

Miller-Pomerantz Insurance and Financial Services is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither Miller-Pomerantz Insurance and Financial Services nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

For more information about NYLIFE Securities LLC and its investment professionals.

Click here

Our Location

120 Broadway

29th Floor

New York, NY 10271

MP Initial > Logo

Contact Us

(212) 261-9555 Ext. 320
(212) 261-9556
matthew@millerpomerantz.com
  • About Us
    • Meet the Partners
    • Our Alliances
    • Our Process
    • Organization Chart
  • Products & Services
    • Personal Solutions
    • Business Solutions
    • Investment Solutions
    • Common Products
  • Client Education
    • Calculators
    • Video Library
  • Contact Us
    • Our Location
    • Company Directory
  • Client Login
    • Virtual Service Center
    • Eagle Strategies/NYLIFE Securities
    • Unum
    • NYLI Funds

Copyright . New York Life Insurance Company. All Rights Reserved.

Privacy Policy

NYLIFE Securities LLC, Member FINRA/SIPC.

For additional information, visit Customer Relationship Summary.pdf

Your Privacy Choices