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Term life pays your beneficiaries if you die during a set number of years. Key things to compare: how long a term you can lock in, whether you can later convert to permanent coverage without a new medical exam, and how you apply. Facts below come from each insurer's own product pages, plus California's official complaint ratios. We don't show prices or give quotes.
Product details can vary by state and change; confirm on the insurer's site before applying.
Source: New York Life term life page (checked 2026-10-12)
Here are the facts we could confirm on New York Life's own page (2026-10-12): term options: Level Term: 10, 15 or 20 years; longest term: 20 years (Level Term); issue ages: Not found on the insurer's page; how to apply: Through New York Life agents; convert to permanent?: Yes, to permanent coverage; the conversion window depends on the policy (New York Life term conversion page); complaints (california 2025, life): 0.7 per 100,000 policies (4 justified complaints; New York Life Insurance Company); quotes: We don't sell insurance or give quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From New York Life term life page (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.