Life Insurance is a contract between a policy holder and an insurer where the insurer promises to pay a designated beneficiary (typically an family member or business) a sum of money upon the death of the insured. The value for the policyholder is "peace of mind" in knowing that the death of the insured person will not result in financial hardship for survivors.

 

 

Health Insurance is insurance against the risk of incurring medical expenses among individuals.  It is a general term for insurance against loss by sickness or bodily injury.  This usually includes coverage for medical expenses such as doctor visits and hospital stays and can cover normal and preventative care such as check ups, prenatal care and well-baby care. Cunningham Insurance has relationships with the top New York Health Insurance carries such as Empire Blue Cross/Blue Shield and Oxford Health Plans.  We  work with Sole Proprietors and Small Groups (2-50 employees).