More than an insurance agency.
We help Individuals with all of their planning needs.
Life Insurance
As an independent insurance broker, we help our clients protect their personal and business assets with customized life insurance solutions from top insurers. We can discuss term life, whole life, and universal life insurance policies with both individuals and businesses. By focusing on evaluating our client's unique needs and comparing quality life insurance companies our client’s get the best value.
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Disability Insurance
Health insurance pays doctor bills, but disability insurance pays your mortgage, utilities and food bills if you cannot work due to an illness or injury. New York and New Jersey requirements to qualify for state disability programs are very strict, and are unlikely to help replace a good salary. We can customize disability insurance to meet your needs and give you a clear conscience when thinking about the future.
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Long Term Care
If you don't know who will pay for your nursing care costs, we would like to discuss long term care insurance and alternative ways to plan for the potential cost of nursing care. In Eastern Long Island, New York, nursing home prices can exceed $90,000 a year, and assisted living and home health care are not cheap either. Let us help you preserve your assets during retirement and plan for the future you deserve.
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Estate Planning
New York has complex estate laws, and estate planning requires more than just creating a will. Let our Long Island-based estate planning consultants help you preserve your assets, reduce tax bills, and increase the amount you are able to leave to the next generation. With the proper planning and foresight you will be able to keep more of your hard earned money for your family or estate.
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Health Insurance
Are you confused by the changes to New York health insurance because of health reform? At Cardona & Company, a Long Island health insurance agency and benefits counselor, we want to help families, individuals, and businesses access quality medical plans at affordable prices. Let us help with major medical, supplemental health plans, long term care insurance, and even disability insurance
get startedCustom Insurance Solutions for You and Your Family
Insurance solutions can never take a one-size-fits-all approach. Your needs are going to be different then your neighbors, your friends and even other family members. As an independent insurance agency, we work for our clients, not the insurance companies. We’ll take the time to sit down with you, review your goals and help you create a plan that protects not just your assets, but the people you care about as well. We strive to make sure your insurance covers you when you need it most and that you get the most out of your insurance.
And when you need us, we’re here to be your advocate and make it less cumbersome to deal with the insurance carriers. You won’t find an auto-attendant when you call us. We know firsthand how frustrating that can be. You’ll get to speak to real people with real solutions and advice. To us, that makes all the difference. Contact us to learn how we can help you ensure you have the proper protection in place.
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News & Events
Winter Newsletter 2018
A special thank you! As 2018 comes to an end, we would like to thank all of our clients for your...
Read moreMissed Open Enrollment? Options for Coverage for 2019
Open Enrollment ended on December 15th. Most people need to wait until next year's Open Enrollment...
Read moreDNA Testing Kits and Life Insurance
DNA Testing Kits, such as 23andMe, have become a popular item. They are tests that allow...
Read moreCrowdfunding to Pay for Medical Costs
It's no surprise that healthcare costs are on the rise in America. After all, healthcare in the US...
Read moreStay Healthy This Holiday Travel Season
Do you have plans to travel this holiday season? We'd like to help keep you healthy and away from...
Read moreHow to Open an HSA: What You Need to Know About Health Savings Accounts
An HSA is a Health Savings Account where you can put aside pre-tax dollars to pay for qualifying...
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