Brandon Ryan, Life Insurance Agent
Brandon Ryan
Northwestern Mutual
Life Insurance Agent Licensed in NY, CA, CT, DC, DE, FL, MA, NJ, SC, TX, VT and WA
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Location
Albany, NY
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About Me
Growing up in Vermont, I learned the value of hard work, family, and planning for the future. Those values became even more important after losing my father at a young age, an experience that showed me firsthand how financial protection can impact a family's future.
Today, I help individuals, families, physicians, professionals, and business owners create financial security through life insurance and comprehensive planning. My goal is to make complex financial decisions easier to understand so you can feel confident knowing your loved ones and legacy are protected.
Directions to My Office
Q&A with Brandon Ryan
How much does life insurance cost for a 60 year old?
Answer: It depends on what kind of coverage you are looking for. Permanent, Term, or final expense?
It is greatly determined on how your health is as well. Insurance is based off of age and health.
What is the most common mistake people make when buying life insurance?
Answer: One of the most common mistakes people make when buying life insurance is focusing on the price before determining the need.
Many people ask,"How much does life insurance cost?" when the more important question is"What financial problem am I trying to solve if I'm no longer here?" Once the purpose is clear, the amount and type of insurance become much easier to determine.
Other common mistakes I frequently see include:
Buying too little coverage
People often choose an amount that fits their budget rather than their family's actual needs.
Consider income replacement, debts, mortgage payoff, childcare, education costs, and final expenses.
Waiting too long
Life insurance generally becomes more expensive with age and health changes.
Many people intend to buy it "later" and find coverage costs significantly more than expected.
Choosing a policy type before identifying goals
Term insurance, permanent insurance, and other solutions all serve different purposes.
The right solution depends on objectives, time horizon, cash flow, and overall financial plan.
Only covering debts
Debt coverage is important, but income replacement is often the bigger need.
For many families, losing a paycheck creates a larger burden than paying off loans.
Not reviewing coverage after major life events
Marriage
Having children
Buying a home
Starting a business
Significant income changes