Life Insurance That Protects You Today—Not Just Tomorrow
The only term life insurance that covers both death and serious illness—living benefits included at no extra cost. Backed by 180 years of financial strength and a 94% client retention rate. Serving families and business owners in New York.
Our mission
Protect your family's financial security, your business continuity, and your legacy—with education first, not sales pressure.
Services
Three Ways We Protect What Matters Most
As part of National Life Insurance Group with 180 years of proven stability, we provide life insurance with living benefits, business protection strategies, and estate planning solutions. We're the only mutual company offering term life with living benefits at no additional cost—giving you access to up to 90% of your death benefit for terminal, chronic, or critical illness while you're still alive. Whether you're protecting your family's mortgage and future, funding your business succession plan, or preserving a multi-million dollar estate, we deliver education-first guidance with zero pressure.
Family Protection with Living Benefits
Term and whole life insurance that protects your mortgage, income, and children's future—plus living benefits at no extra cost for critical, chronic, or terminal illness. Most families need $1-2M in coverage for $150-250/month.
Business Owner Protection
Key person insurance, buy-sell agreement funding, and succession planning for business owners. Protect your life's work from the 70% failure rate when losing a key person. Often tax-deductible.
Estate Planning for High Net Worth
Irrevocable Life Insurance Trusts (ILITs) and estate tax mitigation for $15M+ estates. Avoid the 40% federal estate tax and preserve your family business, real estate, and legacy for future generations.
Benefits
Why Families and Business Owners Choose Us
We combine 180 years of financial strength with innovative products designed for real-life protection. Our 94% client retention rate and average of 8 products per client prove we deliver on our promises and become your lifelong financial partner.
Living Benefits at No Extra Cost
The only mutual company offering living benefits included with term life insurance. Access up to 90% of your death benefit for terminal, chronic, or critical illness—when you need it most, not just when you're gone.
Education First, Not Sales Pressure
94% client retention because we focus on educating you, not pushing products. You'll never feel pressured—just informed, empowered, and confident in your decision. Most clients wish they'd had this conversation sooner.
180 Years of Proven Stability
Part of National Life Insurance Group since 1845. A+ rated and trusted through every economic cycle—Civil War, Great Depression, market crashes, and pandemics. We'll be here for your family too.
About Us
Your Partner in Financial Security
At Eastern Financial Group, we believe financial protection should be accessible, understandable, and designed for real life. As a proud partner of National Life Insurance Group, we bring 180 years of stability and innovation to families and business owners across the Northeast. Our mission is simple: educate first, protect always. Whether you're a young family securing your first home, a business owner planning succession, or a high-net-worth individual protecting your legacy, we're here to guide you with integrity and expertise. We work with pediatricians, ophthalmologists, engineers, pharma sales professionals, and families across NY, NJ, CT, and PA—coordinating with your CPA, attorney, and wealth manager to ensure your protection strategy aligns with your overall financial plan.
Contact Us
Ready to protect what matters most? Schedule a free 15-minute consultation to discuss your family's or business's financial protection needs. No obligation, no pressure—just honest guidance about what makes sense for your situation. Licensed in New York.
FAQ
Get answers to the most common questions about life insurance, living benefits, and financial protection. No question is too basic—we're here to educate, not sell.
Living benefits allow you to access up to 90% of your life insurance death benefit while you're still alive if you're diagnosed with a terminal, chronic, or critical illness. This means your policy can help pay for medical care, mortgage payments, or daily expenses when you need it most—not just after you're gone. We're the only mutual company offering this protection at no extra cost with term life insurance. Statistically, you're more likely to face a critical illness than premature death, so this protection is essential.
Most families need 10-12 times their annual income to fully replace lost earnings and maintain their lifestyle. For a family earning $250,000, that's typically $1-2 million in coverage. We help you calculate the right amount based on your mortgage, children's education costs, debts, and income replacement needs—not just a generic formula. Work coverage is usually only 1-2x your salary, which isn't enough for most families with mortgages and children.
Term life insurance is more affordable than most people think—often $150-250 per month for $1-2M in coverage with living benefits included. The real question is: can you afford NOT to have it? If something happens to you tomorrow, how will your family pay the mortgage, cover daily expenses, and fund college? We'll show you options that fit your budget and protect what matters most. Most families spend more on streaming services and dining out.
Group life insurance through your employer is a great start, but it's rarely enough. Most group policies cover only 1-2 times your salary, and you lose that coverage if you change jobs or get laid off. Plus, group policies don't include living benefits. We help you bridge the gap with portable, comprehensive coverage that stays with you no matter what and protects you during critical illness—not just at death.
Most clients get approved within 48-72 hours. We offer same-day quotes and can fast-track applications for urgent needs. The application process is straightforward, and for many term life policies under $2M, you may not even need a medical exam if you're under 50 and in good health. We'll guide you through every step to make it as quick and easy as possible.