Life Insurance
Give your family the financial security they deserve — no matter what tomorrow brings.
Life insurance is one of the most selfless financial decisions you can make. It ensures that the people you love most are taken care of when you are no longer there to provide for them.
What Is Life Insurance?
Life insurance provides a tax-free death benefit to your beneficiaries upon your passing. It can cover funeral costs, replace lost income, pay off the mortgage, fund your children's education, and give your family time to grieve without financial panic. We offer both term life insurance — which provides coverage for a set period at an affordable rate — and whole life insurance, which builds cash value over time and lasts your entire life. Ryan will sit down with you, understand your situation, and help you choose the right type and amount of coverage so you are neither underinsured nor overpaying.
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Why Life Insurance Matters
The average funeral in the United States costs over $7,800 — and that is before cemetery costs, flowers, or a headstone. Now add the mortgage, car payments, credit card debt, and daily living expenses your family relies on your income to cover. Without life insurance, your loved ones could be left scrambling to make ends meet during the most difficult time of their lives. Life insurance is not about you — it is about the people who depend on you. It is the promise that they will be okay financially, even if you are not there to provide for them anymore.
Who Needs Life Insurance
If anyone depends on your income — a spouse, children, aging parents, or even a business partner — you need life insurance. Young families with a mortgage and small children have the most to lose, but single people with co-signed student loans, stay-at-home parents whose unpaid labor would be expensive to replace, and retirees who want to leave a legacy all benefit from coverage. The right time to buy life insurance is before you think you need it, because the younger and healthier you are, the more affordable it is.
Term vs. Whole Life
Term life insurance is straightforward: you pay a fixed premium for a set number of years — typically 10, 20, or 30 — and if you pass away during that term, your beneficiaries receive the death benefit. It is affordable and simple. Whole life insurance, also called permanent life insurance, lasts your entire life and includes a cash value component that grows tax-deferred over time. You can borrow against it, withdraw from it, or use it to supplement retirement income. Many families choose a combination of both to balance affordability with long-term security.
How Braddy Insurance Helps
Ryan Braddy has been helping Tarrytown families find the right life insurance coverage for over two decades. He works with multiple top-rated carriers, which means he can shop around to find you the best rate — something you cannot do if you go directly to a single insurance company. Ryan takes the time to understand your financial goals, your family situation, and your budget, then presents you with clear, honest options. No pressure, no jargon, just straight talk and good advice from someone who genuinely cares about your family's future.
Frequently Asked Questions
Straight answers to the questions people ask most about life insurance.
What is the difference between term and whole life insurance?
Term life insurance covers you for a specific period — typically 10, 20, or 30 years — and pays out only if you pass away during that term. Whole life insurance covers you for your entire life and also builds cash value over time that you can borrow against. Ryan helps you weigh the trade-offs: term is more affordable upfront, while whole life offers lifelong protection and a savings component.
How much life insurance do I really need?
A common rule of thumb is 10 to 15 times your annual income, but the right amount depends on your specific situation — your mortgage balance, your children's education costs, any outstanding debts, and what your family would need to maintain their lifestyle without your income. Ryan takes a personalized approach and helps you calculate a number that truly fits your life.
Does my health affect my life insurance rates?
Yes — insurers evaluate your health through medical underwriting, which may include a health questionnaire, a medical exam, and a review of your prescription history. That said, even people with managed conditions like high blood pressure or diabetes can often qualify for reasonable rates. Ryan works with multiple carriers and can shop around to find the best rate for your specific health profile.
Can I change my coverage amount later?
It depends on the type of policy. Many term policies include a conversion option that lets you switch to permanent coverage without a new medical exam. Some whole life policies allow you to increase your death benefit with additional riders. Ryan can explain which options are available with each carrier and structure your policy to stay flexible as your needs evolve.
What happens if I miss a premium payment?
Most life insurance policies have a 30- or 31-day grace period. If you miss a payment, you have that window to catch up without losing coverage. Whole life policies may also use the accumulated cash value to cover missed premiums automatically, so your coverage stays in force. Ryan makes sure you understand exactly how your policy handles this before you sign.
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Ready to Get Covered?
Reach out to Ryan Braddy for a free, no-obligation consultation about life insurance. He will answer your questions, compare options, and help you find the right coverage at the right price.