What Is The Best Life Insurance For Doctors? 
As a physician you are most likely earning a fair income and want to be sure to minimize your taxes . The government would like to take most of your money and that of your heirs , but there are some very specific ways to avoid much of that government taking . New York Life allows me to provide you with their Whole Life Insurance , at elevated face amounts , due to your elevated income . With this Whole Life Insurance , you can be certain that your family and other heirs will receive their benefits completely tax free . New York Life will allow you to take out substantial amounts of life insurance , paying a premium which will build up over the years , while accruing interest that is tax deferred to you and tax free to your beneficiary when you die . You can borrow against this growing fund when you wish , and not pay taxes on that money if you decide not to pay it back , but instead allow it to lower the death benefit for the loan . You can also repay it and increase the death benefit as though no loan had been taken . While constantly growing , your beneficiary will be taking your large estate in life insurance , paid by your premium payments , take free to the beneficiary , while passing your estate tax free at up to $ 14,500 per year in tax free premium payments . If your estate is even higher , we can equip you with tax sheltered annuities which can pay you for the rest of your life . Also of note are our Long Term Care Benefits , which you can protect your entire estate with by ensuring you never have to pay for such long term care or be a burden on your family . In short , as your New York Life Agent , I can provide you with a variety of very suitable choices from which to protect your assets and your family , while keeping the tax agents far from your door . 