Renee Cruickshank Douse, Financial Professional with New York Life

09/04/2026

Everything may feel stable today. But if a sickness or injury leaves you unable to work, would your income be protected?
Disability Insurance may help replace a portion of your income during a covered disability.
Let's connect and talk about protecting what matters most.

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.

09/02/2026

September is Life Insurance Awareness Month. 💙

My purpose isn’t just to sell you a policy.

My purpose is to help you put something in place today so that, if the day ever comes when you can’t tell them yourself, I can be there to remind the people you love just how much you loved them—and that you thought about their tomorrow.

But here’s where the conversation gets interesting…

What if life insurance could be part of the conversation about your life—not just your death?

What if there are things about life insurance you’ve simply never thought to ask?

That’s why this month matters.

It’s an opportunity to ask questions, have conversations, and discover more about how life insurance can fit into the life you’re living today and the future you’re building for tomorrow.

There’s so much more to the conversation—and I’d love to have that conversation with you.

If you’ve ever wondered what life insurance could look like for you, reach out. Let’s talk. 💙



📞 Call: 631-845-0838
📱 Text: 631-212-1257
📧 Email: [email protected]

09/02/2026

You're building your career, paying your bills, and planning for the future.
But if a covered disability prevented you from working, would you have a strategy to replace your income while you recover?
Let's connect and talk about protecting what matters most.

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.

09/01/2026

Your mortgage, your car, your kids' school—these obligations continue to exist whether you continue to work on your business or become disabled.
And when your income as an owner is interrupted, your household feels it first.
Many business owners have a plan for the business. Fewer have thought through what happens at home if a qualifying sickness or injury prevents them from working and earning an income.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

08/29/2026

Most business owners have a plan for what happens when equipment fails or inventory runs short. Few have a plan for what happens when they can't earn an income.
The clients, the revenue, the decisions that keep everything moving—none of it runs without you. Losing your income is an exposure many balance sheets never account for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

08/29/2026

Rent, student loans, and everyday expenses don't pause when life takes an unexpected turn. If a sickness or injury leads to a disability event that keeps you from working, an interruption in income can quickly create financial stress.
Individual Disability Insurance can help protect your income, which may help address financial challenges during a covered disability. Let's connect and talk about protecting what matters most.

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.

08/27/2026

Just a little heads-up: I’ll be calling some of y’all on Monday, August 31! 📞

If you see my name pop up, answer the phone! If we haven’t connected yet, let’s go ahead and schedule an appointment.

If you’d like to finalize anything with me before Monday—or simply want to reach out—send me a message or email, and I’ll get back to you as soon as I can.

Talk to you guys Monday! 💙

📞 Call: 631-845-0838
📱 Text: 631-212-1257
📧 Email: [email protected]

08/26/2026

Your equipment, your inventory, your property are all reflected on your balance sheet.
But one thing might not be: you.
Yet the revenue you help generate, your client relationships, your business decisions—they all require you to run.
Most business owners have insured almost everything their business owns. Few have protected the asset they depend on.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

08/26/2026

The apartment. The routine. The financial commitments you've taken on as your career moves forward.
An unexpected sickness or injury could affect your ability to work—and your income.
The right protection can help you maintain the lifestyle you've worked hard to build and help address income replacement needs when the unexpected happens.
Let's connect and talk about protecting what matters most.

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.

08/25/2026

Move-in week is officially over, and State College is settling into a new semester.

As new routines begin, it’s a good time to ask: What are you building—and what do you have in place to protect it?

From now through September, I’ll be available for focused, 15-minute conversations around State College. Bring one question about:

• Life insurance
• Retirement preparation and income options
• Family and business protection

One question. Fifteen minutes. No appointment needed.

📍 Mondays | 11 AM–1 PM
The Penn Stater Hotel & Conference Center
Lobby Lounge

📍 Wednesdays | 6–8 PM
Hyatt Place State College
Lobby Lounge

📍 Fridays | 4–6 PM
Ramada by Wyndham State College Hotel & Conference Center
Lobby Lounge

For that day’s exact meeting spot, text STATE COLLEGE to 631-212-1257.

If you don’t see me, ask for Renée Cruickshank-Douse at the front desk, and they’ll direct you to where I’m seated.

Missed the drop-in window? Text STATE COLLEGE, and I’ll help you arrange another time to connect.

📞 Call: 631-845-0838
💬 Text: 631-212-1257

Renée Cruickshank-Douse
Financial Professional | New York Life
Serving State College and surrounding communities