Life Insurance Companies in New York
New York has its own licensing rules, and several large insurers do not write business here directly and instead use a separate New York company, so the insurer named on a New Yorker’s policy can differ from the one used elsewhere. The table below shows which company handles New York policies for each insurer we list.
Consumer questions and complaints go to the Department of Financial Services (DFS), whose hotline is staffed on weekdays. DFS also runs its own free Lost Policy Finder. Family members or an estate representative can use it to ask every life insurer licensed in New York to search for a deceased person’s policy. New York’s guaranty corporation uses one $500,000 limit per life instead of separate limits for each type of benefit.
Guaranty association limits apply only if an insurer becomes insolvent. They are set by state law and can change; check the association's website for current figures.Life insurance companies serving New York
Insurer Company issuing policies in New York Customer service Claims Guardian Life The Guardian Life Insurance Company of America 1-888-482-7342 1-866-452-4542 John Hancock John Hancock Life Insurance Company of New York 1-800-732-5543 1-888-887-2739 Lincoln Financial Lincoln Life & Annuity Company of New York 1-800-487-1485 1-800-487-1485 MassMutual Massachusetts Mutual Life Insurance Company 1-800-272-2216 1-800-272-2216 New York Life New York Life Insurance Company 1-800-225-5695 1-800-225-5695 Northwestern Mutual The Northwestern Mutual Life Insurance Company 1-866-950-4644 1-800-635-8855 Pacific Life Pacific Life & Annuity Company 1-800-347-7787 via customer service Prudential Financial Pruco Life Insurance Company of New Jersey 1-800-778-2255 via customer service State Farm State Farm Life and Accident Assurance Company 1-800-782-8332 1-877-292-0398 Transamerica Transamerica Financial Life Insurance Company 1-800-851-9777 via customer service
New York regulator and consumer protection
Insurance regulator New York State Department of Financial Services (DFS) Consumer hotline 1-800-342-3736 Mon–Fri 8:30 a.m.–4:30 p.m. File a complaint Complaint page Find a lost policy DFS Lost Policy Finder Guaranty association The Life and Health Insurance Company Guaranty Corporation of New York Death benefit protection Included in the $500,000 per-life aggregate limit Cash value protection Included in the $500,000 per-life aggregate limit Annuity protection $500,000 per life (individual annuities, aggregate) Overall cap $500,000 per life for all benefits Free-look period (life) At least 10 days (30 days for policies sold by mail)
Life insurers headquartered in New York
Neighboring states: Massachusetts
