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Life

Life insurance built around your family's actual numbers.

Life insurance from Kelly Qu Agency is an Allstate term or whole-life policy sized using a real needs analysis — your debts, income-replacement years, college costs, NYC cost-of-living adjustments, and final expenses — not a generic multiplier. Most healthy applicants under 50 qualify for no-exam underwriting in days.

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Frequently asked questions

Term or whole life? +
Term covers a fixed period (10–30 years) and is by far the cheapest way to protect a young family. Whole life is permanent, has cash value, and costs 8–10x more for the same death benefit. For most families in NYC, term is the right answer; whole life makes sense for estate planning, special-needs trusts, and certain business buy-sell agreements.
How much life insurance do I need? +
A rough rule: 10–12x your annual income, plus enough to pay off your mortgage (NYC mortgages skew this number up) and fund your kids' education. We walk through your actual numbers — debts, income replacement years, college costs, final expenses — and price three options.
Will I have to take a medical exam? +
It depends on the amount and your age. Many term policies under $500K for healthy applicants under 50 now qualify for no-exam (accelerated) underwriting in days, not weeks. Larger amounts or older applicants typically require a paramedical exam.
Can I buy life insurance if I'm not a U.S. citizen? +
Often yes. Green-card holders generally qualify the same as citizens. Visa holders (H-1B, L-1, F-1) can qualify with longer stay history and U.S. credit. We've placed many policies for clients across the five boroughs and northern NJ in this situation.
What about multi-generational households? +
Very common in Queens and Brooklyn. Insuring grandparents, parents, and adult children correctly — and structuring beneficiaries so the policy actually does what the family expects — is one of the things we spend the most time on. We're happy to walk through it in Mandarin or Spanish.

Life insurance, from the Notebook.

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