Business Details
19 Years
experience
Trusted Life Insurance Solutions in New York
At Plan with Phil, we are dedicated to helping families and individuals secure their financial futures through tailored life insurance solutions. With over 17 years of experience in the insurance industry, we bring deep expertise in life, disability, and long-term care insurance, working with top-rated carriers to ensure comprehensive coverage. Our approach prioritizes personalized service, recognizing that no two clients have identical needs.We serve clients across all 50 states, offering term life, whole life, final expense, and specialized policies designed to protect what matters most. Our commitment to transparency, client education, and long-term relationships has established us as a trusted partner in financial security planning. We emphasize proactive strategies, including early planning for retirement and education savings, to help clients achieve lasting peace of mind.
Services
Life Insurance
Disability Insurance
Long Term Care
Education Planning
Retirement Solutions
Details
- Year established: 2007
Highlights and features
- We offer 17 years of specialized insurance expertise across life, disability, and long-term care policies.
- Our independent broker model provides access to multiple top-rated insurance carriers.
- We prioritize personalized service over one-size-fits-all solutions for customized protection.
- Nationwide service with local New York-based expertise and client-focused approach.
- We simplify complex insurance decisions through clear explanations and transparent guidance.
What people say
Personalized service
Knowledgeable guidance
Stress-free process
Tailored solutions
Quick policy setup
Services
Life Insurance
Life insurance provides financial protection for loved ones through customizable policies. We offer term life, whole life, and final expense options tailored to individual needs. Our process simplifies coverage selection, with access to top-rated carriers and competitive rates based on health and age factors.
Disability Insurance
Disability insurance safeguards income through personalized policies. We help clients secure non-cancelable coverage with benefits for short-term or long-term disabilities, ensuring financial stability during unexpected career interruptions while coordinating with existing employer-provided plans.
Long Term Care
Long-term care insurance protects assets against rising care costs. We design policies covering home health aides, assisted living, and nursing home expenses, emphasizing early planning to maximize coverage options and preserve independence.
Education Planning
Education planning focuses on 529 college savings plans with tax advantages. We guide clients through state-specific options, contribution strategies, and qualified expense management to help families prepare for higher education costs efficiently.
Retirement Solutions
Retirement solutions include IRA accounts and annuities for tax-deferred growth. We assist with traditional and Roth IRA contributions, catch-up strategies for older clients, and annuity options providing guaranteed lifetime income streams for financial security.
People
Phillip Chin
Founder
Phillip Chin, founder of Plan with Phil, brings 17+ years of insurance expertise. As an independent broker, he specializes in life and disability insurance, serving clients nationwide with personalized solutions tailored to individual financial goals.
Questions
What types of life insurance policies do you offer?
We provide term life, whole life, universal life, and final expense insurance policies tailored to individual needs and budgets.
How does disability insurance protect my income?
Our disability policies replace a portion of income during career interruptions, with non-cancelable terms and customizable benefit periods for short-term or long-term coverage needs.
Can I get life insurance without a medical exam?
Yes, we offer simplified underwriting options for qualified applicants seeking no-exam life insurance policies with competitive rates.
What is long-term care insurance coverage?
Long-term care policies cover assistance with daily living activities in home or facility settings, protecting assets from rising care costs through customizable benefit structures.
How do 529 college savings plans work?
529 plans provide tax-advantaged savings for education expenses, allowing flexible contributions and state-specific benefits while maintaining nationwide college fund usability.
What retirement account options do you recommend?
We specialize in traditional and Roth IRAs, annuities, and retirement income strategies tailored to individual timelines and financial goals.
