New York Life & Securities | Kyndall Rhae Schmidt

Being prepared with life insurance is smart and easy.

We know financial planning isn’t always as easy as it sounds on paper. Kyndall Schmidt has dedicated her career to helping people from all walks of life cut through the confusion to find a realistic strategy that works for them. If you feel overwhelmed, know that you aren’t alone—and it’s never too late to start.

Whatever your situation, we’re here to help you start to reconcile what you have and what you want—beginning with how you operate day to day. For example, we know that fewer than 40 percent of adult Americans say they have a budget and keep track of their spending, and 29 percent have been unable to set aside any money for retirement. Nearly a quarter (24.8 percent) have less than $100 in their checking and savings accounts combined.

There are many tax-advantageous ways to save money. Look into IRAs (traditional or Roth), 401(k)s, and tax-deferred annuities to save for retirement. If saving for college, 529 college savings plans may be an option.  A Whole Life Insurance policy that accumulates tax-deferred cash value can also provide for supplemental income if you no longer need the death benefit.  When it comes to financial strategies, there are no set paths. It all depends on your individual situation.

Insurance from New York Life does more than you might think—from safeguarding your life savings to covering a child’s college tuition, or protecting your own retirement plan. We invite you to explore the policies we offer, to determine the best option or combination of options for you.  Buying a life insurance policy when you’re young will likely ensure your future eligibility, even if you have a change in health. That’s because you “lock in” the rate when you purchase it, as long as you continue to pay the premiums.

Whole life insurance is a way to invest in your life, with guaranteed protection for your loved ones. It also builds guaranteed cash value,*which you can borrow against (like a loan), often tax free, to help pay for college, retire a mortgage, cover unforeseen emergencies, or even fund your retirement.** And with four different policies to choose from, it should be easy to find one that meets your needs: high value, low premiums, maximum flexibility—whatever is best for you and your family.