Join us on Linked InTel: 631.543.6363 Fax:631.543.4891
1030 Jericho Tpke. Smithtown, NY 11787

Life Insurance

Long Island Insurance Company Cafarelli Insurance Agency, identifies with the specific needs of New Yorkers.  No one likes to ponder the thought of their own demise or the demise of their loved ones.   It is a painful reality to have to examine the what if’s and how to prepare for the worst.  In this fast pace world it is easy to get caught up and put aside an important priority such as life insurance.   Taking the time out, however, reduces the additional financial stress related to the tragedy of the loss of life.

As your agent, Cafarelli Insurance Agency, can relate to the critical decision in obtaining suitable life insurance.  Life insurance coverage is a necessity to assist your beneficiaries with financial aid as in a death benefit.  To name a few benefits, life insurance can provide for costly burial expenses, educational expenses and living expenses.   It provides some peace of mind while eliminating additional financial hardship.


There are several different types of life insurance:
Term Life Insurance - life insurance coverage for a specified term.  This type of insurance does not accumulate cash value.

Permanent Life Insurance – life insurance coverage that will remain active until the policy matures.  This type of insurance does accumulate a cash value and the owner can access the money in the cash value.

Whole life, universal life, limited pay and endowment are types of permanent life insurance. 

Please do not leave your future and your beloved ones in the air.  Contact, Cafarelli Insurance Agency, today to answer all your important questions