Protect the Life You’ve Built for the Ones You Love

Life insurance isn't for the people who die. It's for the people who are still living.

We know this is a conversation most people want to avoid. But at Sean Worth Allstate, we view Life Insurance as the ultimate act of love. It is the only financial product that can guarantee your family’s standard of living, their education, and their home ownership will continue, even if you aren't there to provide for them.

Whether you are a new parent in Selden looking for affordable Term coverage, or an established business owner in Stony Brook needing complex estate planning, our team approaches every conversation with empathy, privacy, and expertise.

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Customized Coverage for Every Stage of Life

We specialize in:

Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.
High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.
Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.
Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.

Solutions for Every Stage of Life

We don't believe in "one-size-fits-all." We help you calculate exactly what your family would need to maintain their lifestyle.

Term Life Insurance

he most cost-effective way to get high-limit coverage during the years your family needs it most (e.g., while paying off a mortgage or raising children)

Whole Life Insurance

Permanent protection that builds cash value over time. It’s a stable asset that can supplement your retirement or be used for emergencies.

Universal Life

Flexible coverage that can adapt as your financial situation changes, offering the potential for cash value growth tied to market indexes.

High-Net-Worth & Estate Planning

For our affluent clients on the North Shore, Life Insurance is a critical tool for wealthpreservation, not just income replacement.

Estate Tax Liquidity: New York has specific estate tax laws. Life insurance can provide immediate cash to pay estate taxes so your heirs aren't forced to sell real estate or family businesses at a loss.
Business Succession: We structure Buy-Sell Agreements and Key Person Insurance to ensure your business survives the loss of a partner or critical executive.
Private School & College Funding: Guarantee that your children's educational path remains uninterrupted, regardless of what the future holds.

Common Questions About Life Insurance

Do I need life insurance if I’m single?

Yes, it is often wise to lock in your insurability while you are young and healthy. Coverage is significantly more affordable in your 20s and 30s. Additionally, it protects your parents or cosigners from inheriting your student loan debt or funeral expenses.

How much life insurance do I really need?

A common rule of thumb is 10x your annual income, but we prefer a "Needs Analysis." We look at your mortgage balance, future college costs for your kids, and your spouse's income needs to calculate a precise number.

Does my work life insurance policy cover me enough?

Group policies through your employer are a great benefit, but they are rarely enough. They typically offer only 1-2x your salary, and crucially, you usually lose the coverage if you leave the job. owning a private policy puts you in control.