Colleen is a licensed insurance professional affiliated with New York Life, one of the nation's oldest and most financially stable insurers. She assists individuals and families in selecting life, disability, and retirement products that match their financial goals and risk tolerance. Below is a comprehensive overview of her credentials, the types of policies she offers, and practical guidance for anyone considering her services.
- Professional Background and Licensing
- Core Services Offered
- 1. Life Insurance
- 2. Disability Income Insurance
- 3. Retirement & Annuity Solutions
- How Colleen Works With Clients
- Typical Client Scenarios
- Fees, Commissions, and Transparency
- How to Verify Colleen's Credentials
- Frequently Asked Questions
- Is Colleen a financial advisor?
- Can I get a quote without an appointment?
- What happens if I need to cancel a policy?
- Key Takeaways
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Professional Background and Licensing
Colleen began her career in financial services after obtaining a bachelor's degree in finance. She earned her New York State Life Insurance Producer License in 2015 and has maintained continuing education requirements annually.
| Attribute | Verified Detail | Source Type |
|---|---|---|
| License | NY Life Insurance Producer License (since 2015) | State Licensing Database |
| Education | B.A. in Finance, State University | Public Alumni Record |
| Affiliation | New York Life Insurance Company | Company Agent Directory |
Core Services Offered
Colleen's portfolio focuses on three main product families, each designed to address specific life stages and financial concerns.
1. Life Insurance
- Term Life – affordable coverage for a set period (10, 20, 30 years).
- Whole Life – permanent coverage with cash‑value accumulation.
- Universal Life – flexible premiums and adjustable death benefits.
2. Disability Income Insurance
- Short‑Term Disability – replaces income for up to 6 months.
- Long‑Term Disability – provides benefits for months to decades, depending on the policy.
3. Retirement & Annuity Solutions
- Variable Annuities – investment‑linked payouts.
- Fixed Annuities – guaranteed interest and income streams.
How Colleen Works With Clients
She follows a consultative process:
Typical Client Scenarios
Understanding common use‑cases helps potential clients see whether Colleen's services align with their needs.
- Young families: Term life to protect dependents while mortgage payments are low.
- Mid‑career professionals: Whole life for legacy planning and cash‑value borrowing.
- Self‑employed individuals: Disability income to safeguard income streams.
- Pre‑retirees: Fixed annuities for a predictable retirement income.
Fees, Commissions, and Transparency
Colleen earns commissions from New York Life on policy sales, which are disclosed in the application. She does not charge a separate advisory fee, but she provides a written commission disclosure form to every client before purchase.
How to Verify Colleen's Credentials
Prospective clients can confirm her licensing status through the New York State Department of Financial Services (DFS) website. Enter her name or license number to view active status, any disciplinary actions, and continuing education compliance.
Frequently Asked Questions
Is Colleen a financial advisor?
She is a licensed insurance producer, not a registered investment advisor. She can discuss insurance and annuity products but does not provide securities advice.
Can I get a quote without an appointment?
Yes. Colleen offers a quick online quote tool on her agency page, which collects basic information and returns estimated premiums within minutes.
What happens if I need to cancel a policy?
Cancellation terms depend on the product type. Term policies typically have a free‑look period of 10‑30 days; permanent policies may have surrender charges in the early years.
Key Takeaways
Colleen leverages New York Life's financial strength and a client‑first approach to deliver life, disability, and retirement solutions. Verifying her license, understanding her fee structure, and matching her product offerings to your life stage are essential steps before committing to a policy.