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Life Insurance:

Life insurance is an effective way to help protect your family's lifestyle and future. Plus the cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease*. This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans*.

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Long-term Care Insurance:

Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

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Retirement Income:

Preparing for retirement is easier with the help of our guaranteed^ income annuity products. Whether its an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1that allows you to set aside money until you need itwe have options to meet your needs. Either way, you will be assured a steady, dependable source of income for life.

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We offer products and services to help you develop a sound, long-term investment strategy. We have access to over 2,500 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for businesses of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

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Investment Advisory Services:

Through our relationship with Eagle Strategies we are able to provide managed account solutions that provide you with all the benefits of a comprehensive investment management service and access to an extensive universe of mutual funds, fund advisory portfolios, and separately managed account managers all tailored to your needs in a simplified approach focused on maximizing value over your entire lifetime.

Other Products

We have established relationships with other carriers, and can assist you with disability income insurance as well as individual and group health insurance products3. Even if we don't offer it, chances are we can assist you in obtaining the appropriate solution.

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*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.

^Guarantees are backed by the claims-paying ability of the issuer.

#Securities products and services are offered through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency.

1Issued by New York Life Insurance Company or New York Life Insurance and Annuity Corporation, a wholly-owned subsidiary of New York Life Insurance Company.

2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 59 1/2 may also be subject to a 10% federal tax penalty.

3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.


Marcus Hester is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, IN, KY, OH, SC, TN, TX, VA, and WI. No insurance business may be conducted outside the states referenced.

Marcus Hester is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 3100 E Walnut St, Evansville, IN, 47714, 812-303-3184. In this regard, this communication is strictly intended for individuals residing in the states of AL, FL, IN, KY, MO, TN, TX, VA, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

Marcus Hester is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AL, FL, IN, KY, MO, TN, VA, and WI. As such, these services are strictly intended for individuals residing in the states referenced.

THE HESTER GROUP is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither THE HESTER GROUP nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​