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The team at Stoll & Weller Insurance Services & Financial Group are trained professionals who can help you identify your financial needs and then determine which financial and insurance products can best help you meet your objectives. Some of the products we often use to serve the needs of our clients include:

Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out – or for someone who's starting over.

Whole Life

Whole life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

Term Life

Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life

Universal Life insurance is designed to offer customizable death benefit protection with non-guaranteed planned premiums and a non-guaranteed death benefit. Depending on the product selected and the amount of premium you pay, Universal Life insurance can allow you to keep your coverage as long as you need: to age 80, 90, 100 or longer. Because of the policy’s flexible and non-guaranteed nature, it is important to fund your policy properly and actively manage your policy to reflect changes in interest crediting rates and policy charges over the duration of your policy.  This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.

Variable Universal Life

Variable universal life Insurance combines the premium and death benefit flexibility of a universal life policy with investment opportunities. You may allocate your premium among a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risk along with the potential for reward.

These products are offered by prospectus through NYLIFE Securities LLC. (member FINRA/SIPC), and a Licensed Insurance Agency.

Survivorship Life

Survivorship life insurance – available as whole life, universal life or variable universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments. If loans or withdrawals are made, or if current interest rates or changes fluctuate.

Annuities

An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump sum into a guaranteed stream of income payments. Deferred annuities offer the advantage of tax deferral and can be used to accumulate money for retirement. Income annuities are used to generate a stream of income payments that are guaranteed to last for as long as you need them to—even for the rest of your life.* Some of the different types of annuities are:

Fixed Deferred Annuities

With a fixed deferred annuity, the interest rate on your policy is guaranteed never to fall below a certain amount.* For many people, this provides a measure of security.

( A fixed deferred annuity is subject to a sales charge for early withdrawals, which may be subject to income tax. Withdrawals prior to age 59½ are subject to a 10% tax penalty.)

*Guarantees are dependent upon the claims-paying ability of the issuing insurer.

Lifetime Income Annuities

A lifetime income annuity is an annuity in which income payments begin—one period after the annuity is purchased. It is designed to provide you with predictable income monthly, quarterly, semiannually, or annually, no matter how long you live, and regardless of how the financial markets perform.

All guarantees associated with annuity contracts are based on the claims-paying ability of the issuing insurance company. Withdrawals may be subject to regular income tax, and if made prior to age 59½, may be subject to a 10% IRS penalty. In addition, surrender charges may apply.

Variable Deferred Annuities

A variable deferred annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy's accumulated value - and sometimes the amount of monthly annuity benefit payments - fluctuates with the performance of your variable investment account options. There are fees, expenses, and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.

Offered through NYLIFE Securities LLC (member FINRA/SIPC), and a Licensed Insurance Agency.

Disclosure

Daniel Stoll is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0F74821), CT, FL, ID, KY, MA, MI, MT, NC, NY, OH, PA, SC, TN, TX, and VA. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Daniel Stoll is licensed and authorized to offer insurance in California, but Stoll and Weller Insurance Services and Financial Group, LLC may not be. For additional information on California licensure status, please click here.

Daniel Stoll is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 6700 Lincoln Ave, Lockport, NY, 14094, 716-439-8969. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, FL, ID, MA, MD, NY, PA, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Daniel Stoll is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CO, FL, ID, MA, MD, NY, PA, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Stoll and Weller Insurance Services and Financial Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither Stoll and Weller Insurance Services and Financial Group, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

For more information about NYLIFE Securities LLC and its investment professionals.

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Stoll and Weller Insurance Services and Financial Group, LLC

Daniel Stoll

Financial Adviser
  • WHO WE ARE
    • Our Team
    • Community Involvement
  • WHAT WE DO
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    • Working with Other Advisors
  • CLIENT RESOURCES
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