Your people.
Your peace of mind.
Life insurance can help your loved ones with expenses when you’re no longer here to provide for them.
Term lifeWhole lifeUniversal life
Explore life insuranceLIFE + HEALTH INSURANCE · NEW YORK
Big plans.
Real life.
Get covered.
Your people. Your next chapter. Your very full life. Let’s find insurance that makes sense for you, with room for every question.
Plain-English guidanceYour pace. Your choice.
PROTECT THE LIFE YOU LOVE.
For your kind of future.More living.
Less “what if.”
New job.New family.Doing your own thing.Let’s talk coverage.
LET’S MAKE IT MAKE SENSE
You do life.
Let’s talk protection.
First policy? New chapter? Just curious? You don’t need to have it all figured out to start here.
Your people.
Your health.
On your terms.
Understand health coverage by looking at the whole picture: doctors, prescriptions, monthly premiums, and out-of-pocket costs.
IndividualsFamiliesSelf-employed
Explore health coverageTHE “WHAT DOES THAT MEAN?” GUIDE
Less jargon.
More “I get it.”
Term life
Coverage for a defined period. A starting point to explore when you want protection during years with major financial responsibilities.
Whole life
Permanent coverage with a cash value component. Keeping the policy in force requires meeting its premium and policy terms.
Universal life & IUL
Permanent insurance with flexible features. Indexed universal life credits interest using an index-linked formula; it is not a direct stock-market investment.
Universal life and IUL require careful review of charges, guarantees, funding needs, and lapse risk. Non-guaranteed values can change. Product availability depends on your state, eligibility, and carrier.
Read the NAIC life insurance guideA REAL PERSON IN YOUR CORNER
Hey, I’m Ellyse.
Let’s figure
this out together.
You can ask the basic questions. You can talk about your budget. You can take your time. That’s how this should work.
I’m Ellyse Walters, a New York–licensed life and health insurance professional. Let’s start with what matters to you and make the next step feel manageable.
Ellyse Walters
Let’s talkStart with your why.
Your people, your responsibilities, your goals. That’s where the conversation begins.
Understand the choices.
Look at costs, benefits, and limitations. Ask every question you need to ask.
Take your next step.
Explore a quote or talk it through. A quote is a starting point, not a commitment to buy.
YOUR HEALTH, YOUR EVERYDAY LIFE
Your health plan.
The whole picture.
When comparing health plans, check your doctors, covered prescriptions, deductible, and total potential costs. Enrollment timing and eligibility also matter.
Ask Ellyse about health coverageHealth-plan availability and agent assistance depend on state licensing and carrier appointments. The life quote tool below does not provide health insurance enrollment.
01
Your doctors & hospitals
02
Your prescriptions
03
Explore the HealthCare.gov plan guideYour total costs
Where should I start?
Think about who depends on you financially, what bills would remain, and any protection you already have. Then explore the types of coverage or start a life insurance quote.
How much will life insurance cost?
Pricing varies with the policy, coverage amount, age, health, and other underwriting factors. Your personalized quote is an estimate; the insurer determines final eligibility and pricing.
Is life insurance through work enough?
Review your employer benefit amount and what happens if you leave the job. Compare it with your household’s needs before deciding whether additional coverage makes sense.
Can I apply if I have a health condition?
A health condition does not tell the whole story. Insurers have different requirements, and options depend on your circumstances. Approval and specific rates cannot be promised.
Does requesting a quote mean I’m covered?
No. A quote or application does not put coverage in force. Coverage begins only when the insurer’s requirements have been met and the policy’s effective-date conditions are satisfied.
Can I get health insurance here too?
You can ask Ellyse about available health coverage assistance. Health insurance is handled separately from the BackNine life insurance quote tool, and availability depends on your state and applicable appointments.
ONE SMALL STEP. YOUR OWN PACE.
Future you
starts here.
Explore personalized life insurance options with Quote & Apply.
Ready when you are.
The quote experience is provided by BackNine. When you continue, their tool will load and handle the information you enter.
Quotes are estimates. Coverage and approval are subject to underwriting and policy terms.
Having trouble loading the quote tool? Call Ellyse at (347) 433-6517.
Prefer a conversation? Let’s talk.