Ensure your family’s future with life and retirement insurance products.

Life insurance and retirement aren’t topics most people like to think about. It can be daunting. However, it is a necessary part of financial planning when thinking about your family’s future.

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Protect your Family with a Life Insurance Policy

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A life insurance policy is designed to protect your family when you are no longer around to do so. Without life insurance, your family will have to deal with financial stress on top of losing you.

Life insurance can help your family pay for funeral costs, remaining debt, and everyday living expenses. It can also be used to fund your child’s future college tuition or allow your spouse to retire on time as planned. Although you will never get to use your life insurance policy, your loved ones will.

Typically, there are two types of life insurance policies:

  • Term life insurance covers the policyholder for a set amount of time, such as 10 years, 15 years, etc. If the policyholder dies within the term, the policy will pay out. If he/she survives, the policy will expire and a new policy will be needed.
  • Permanent life insurance covers the policyholder for their entire life. A great benefit for families is that a cash value accumulates, which can then be borrowed against financial flexibility.
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IRAs and 401(k)s

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Financial planning that suits your wallet.

In addition to our insurance services, Accommodating Insurance also offers you expert financial services. With our help, you can meet your financial goals with retirement planning, 401k, and IRA planning.

An IRA (or individual retirement account) is opened and controlled by you. They can be used to invest in almost anything you want, and offers tax-free growth until you retire. With a traditional IRA, you can enjoy tax-deferred growth potential with the chance to reduce your current taxes.

Understand your choices when it comes to your 401(k). We can help you determine what best suits your needs, whether it means transferring it to an IRA, maintaining it in a 401(k) with a new or former employer, or cashing out.


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In the most basic sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Annuities are a unique financial product that can enhance your retirement security and help you manage the risk of “outliving your assets”.

Before you choose an annuity, it’s important to understand the different types. There are:

  • Deferred annuities: The owner pays premiums into the annuity and chooses from available interest options. Earnings are typically accumulated on a tax-deferred basis.
  • Immediate annuities: There is no accumulation phase. The annuities go directly into the distribution phase, and it offers owners a choice of income options.

Within deferred annuities, there are two types:

  • Fixed annuities: This offers a fixed rate of return for a specific period of time.
  • Valuable annuities: This offers a variety of professionally managed investment options, and the value of the annuity contract fluctuates based on the performance of the underlying investment option.

 It’s important to feel you have control over your financial future. At Accommodating Insurance, we offer our experience and knowledge to help you design your own strategy for financial independence. We are a full-service agency that can educate and provide services that other agencies cannot.  That’s why we’re here. That what makes us different. And, we will always go the extra mile for you. Contact us today to get started.

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We Can Help

When you work with an expert at Accommodating Agency, securing life & retirement policies doesn’t have to be difficult. We are a full-service agency that can educate and provide products that a direct agency does not.  That’s why we’re here. That’s what makes us different. And, we will always go the extra mile for you. We offer great rates for the best risk. Contact us to get started.

Our Partners

We’ve fostered strong and dependable relationships with a multitude of insurance companies in the New York area. What does that mean for you? The convenience of selection and the best fit for your needs with a reliable Accommodating Agency advisor on your side.


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