James Young, CLTC, Licensed Agent with New York Life Insurance Company

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James Young, CLTC, Licensed Agent with New York Life Insurance Company

Agent licensed to sell insurance through New York Life Insurance Company. I am not licensed in all jurisdictions.

As a licensed Agent of New York Life Insurance Company I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. I'm authorized to offer life insurance and lifetime income annuity products from New York Life to AARP members. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

100 Witmer Road, Suite 100 Horsham, PA 19044

11/02/2026

It's Long-Term Care Awareness Month. Do you know if you're prepared to handle the financial burden of long-term care? Check out the latest Survey from New York Life

Use New York Life's tool to access long term care insurance cost information by state and region. Learn more about long term care costs and what they include.

10/31/2026

Heading out to see a family today, and it’s a reminder of how often life gets in the way of the conversations that matter. Don’t wait. Have the conversation now, with someone you trust. If you’d like that someone to be me, my door is open. No crisis required. (Filmed while parked.)

10/30/2026

Focus Friday

Most people building a financial life eventually need a few different professionals in their corner: someone for taxes, someone for legal questions, someone for protection and planning.

The problem isn't having too few of these people. It's having them work in isolation from each other, each one missing what the others know.

This weekend, ask yourself: does everyone in your corner know what the others are doing?

Protect. Preserve. Propel.

10/29/2026

Thoughtful Thursday

We'll talk about vacations, promotions, even politics at the dinner table.

The conversation that rarely comes up: what happens to this family if something goes wrong.

It's not a comfortable topic. But avoiding it doesn't make the risk smaller -- it just makes the plan quieter.

Thoughtful Thursday question:
What would it look like to bring this conversation into the open, even just once?

I don't believe in pressure. I believe in preparation.

Protect. Preserve. Propel.

10/29/2026

Life changes. But sometimes beneficiary designations don’t change with it.

This Kiplinger article is a helpful reminder of why it is so important to periodically review the beneficiaries on your retirement accounts, life insurance policies, and other accounts to make sure they still reflect your wishes.

Check out the article here:

https://bit.ly/4e2gTpJ

If you have questions about your own beneficiary choices, send me a message.

10/27/2026

Many people think about protection only after something happens.

But some planning conversations are most valuable before they're urgent.

Health.
Age.
Timing.
Circumstances.

These factors can influence available options.

What people wish they knew earlier:

The best time to prepare for uncertainty is while you still have choices.

Preparation creates flexibility.

Protect. Preserve. Propel.

10/23/2026

Focus Friday

Net worth is a number. Preparedness is a story.

You can have a strong net worth and still leave your family without a clear plan for what happens next. You can have a modest one and still leave them with total clarity.

The number matters. But it was never the whole story.

This weekend's question: if something happened tomorrow, would your family have clarity, or just a number?

Protect. Preserve. Propel.

10/22/2026

Thoughtful Thursday

There's the ready you feel, and the ready you actually are.

Feeling ready comes from confidence. Being ready comes from a plan that's actually been reviewed, funded, and understood by the people who'd need it.

One of those can change overnight based on your mood. The other doesn't move unless you do the work.

Which kind of ready describes you today?

I don't believe in pressure. I believe in preparation.

Protect. Preserve. Propel.

10/17/2026

Sickness, injury, or an unexpected diagnosis can interrupt your ability to earn an income due to a covered disability event—even if the rest of your financial strategy is in great shape.
Many people don't discover gaps in their income protection until they're forced to rely on it.
Let's review your current income protection.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/16/2026

More than 25 million young adults now live with their parents, the highest number on record. What’s going on?
Half of recent grads are moving back home after finishing school. While living with parents can have its own challenges, many of them see it as an opportunity to save—and use what they'd have spent on rent to travel, chip away at debt, or just get some breathing room before the next step.
Check out the full story here:
https://bit.ly/4s5xzCk
If this sounds like you, or someone you know, send me a message and let's talk.

Address

100 Witmer Road, Suite 100
Horsham, PA
19044

Website

http://www.newyorklife.com/agent/jyoung08

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