Insurance & Investments
Insurance & Investments

Life Insurance Solutions

ABS LogoYou can’t predict the future, but you can prepare for it. ABS Associates can match your needs to the right level of protection to assure your peace of mind in times when the unexpected happens. Working with highly-rated insurance companies, ABS offers a variety of Term and Whole Life Plans to meet your specific needs.

Term or Whole Life?

Term Plans

  • Provides coverage for a fixed period of time
  • Most affordable coverage initially
  • No cash value accumulated
  • Guaranteed convertible to Whole Life

Whole Life Plans or Permanent Insurance

  • Premiums are higher initially but never go up
  • Coverage lasts for the rest of your life
  • Accumulate cash value which grows tax deferred
  • Borrow against your cash value for personal use

To determine how much is enough, try our life insurance calculator.

 NOTE: Securities are offered through Essex National Securities LLC (ENSI) member FINRA/SIPC. ENSI is not affiliated with Apple Bank for Savings. Insurance products are offered through ABS Associates of New York, Inc., which is a wholly owned subsidiary of Apple Bank.

Securities and Insurance products are:

Not FDIC Insured
Not Guaranteed by the Bank
Not a Deposit
Not Insured by any Federal Government Agency
May Be Subject to Investment Risk
May Lose Value Including Loss of Principal

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