Michael Coyne, Financial Professional with NyLife Securities LLC, MBA, FSCP

11/01/2026

As life changes, your needs can change. That's why having life insurance protection that offers flexibility is a must. Let's talk about how you can have the coverage you need, when you need it most, with a portfolio approach.

Discover how term life insurance from New York Life can protect you. Learn about converting term life to permanent coverage such as whole life insurance.

10/14/2026

The official number is in: Social Security's 2027 cost-of-living adjustment will be 3.6%.

For the average retired worker, that's about $75 more a month, with the higher amount first showing up in January 2027 payments.

Two things worth keeping in mind:

• A COLA raise doesn't always mean the same amount lands in your account — the 2027 Medicare Part B premium hasn't been announced yet (that usually comes in November), and it is taken out of most checks.
• If Social Security is one piece of your retirement income, it's worth seeing how the new figure fits alongside pensions, savings, and any work income.

Happy to talk it through if a quick review would help.

10/12/2026

Thinking outside the box has always helped you live your best life. That's why a customized portfolio of life insurance protection that gives you the flexibility you need may be the right fit for you and your budget. Give me a call to learn more. https://bcove.video/2GUz2cs

10/05/2026

Social Security's 2027 cost-of-living adjustment is expected to be announced October 14.

The Senior Citizens League currently estimates it at about 3.5% — the largest increase in four years, which would add roughly 8 a month to the average benefit.

Two things worth knowing:

• The final number depends on September inflation data, so it could still move slightly.
• Medicare Part B premiums are also projected to rise, which may offset part of the increase in the check that actually reaches your account.

If Social Security is part of your retirement income picture, a quick review can help you see how this fits with everything else. Happy to talk it through.

10/02/2026

With long and short-term goals for your family, versatile life insurance is a must. Watch this video and contact me to find out how a portfolio of protection may cost less than a single policy. https://bcove.video/2GUz2cs

09/30/2026

Life Insurance Awareness Month ends today, but the need for protection does not. Liz Fiedler’s story shows how coverage can help a family continue the life, plans, and responsibilities that were already in motion. The best time to review protection is before it is needed.

Close the month by starting a conversation that can help protect the years ahead.

09/29/2026

Some financial tasks are easy to postpone. Add a life insurance review to your annual checklist—especially after a marriage, new child, home purchase, job change, business milestone, or major income shift. A quick review can reveal whether your coverage still matches your life.

Book an annual protection review.

09/23/2026

Why pay for more protection than you need? Give me a call to discuss how we can put together customized protection for your family that fits the bill.

Discover how term life insurance from New York Life can protect you. Learn about converting term life to permanent coverage such as whole life insurance.

09/23/2026

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.

09/22/2026

You cannot predict every change, but you can prepare for the financial impact. Life insurance can help create continuity for the people you care about—so housing, education, everyday expenses, and future goals do not have to change all at once.

Identify the expenses you would want protected first.