Doing business with New York Life agent Jay Wright has been a wonderful experience...recommendations were solid, conservative and sagatious. Jay was very knowledgeable and recommended combining a whole life policy with term. This turned out to be a great recommendation several years later when a medical emergency negated my ability to purchase more life insurance and the term policy expired. Has Jay not recommended some good old fashioned whole life, I would have absolutely no life insurance now. Many thanks to Jay Wright...the straightest shooter in the life insurance business!