Independent Insurance Broker Serving White Plains, NY

White Plains professionals and business owners deserve independent advice — not a pitch from a captive agent locked into one carrier's product lineup. I'm Richard Sweig, an independent broker with over 40 years in the industry, and I work across all major carriers to find the coverage that actually fits your situation.

Why White Plains Professionals Choose an Independent Broker

White Plains is the commercial and legal center of Westchester County. The professionals, medical practices, and businesses based here have more complex financial lives than a one-size-fits-all policy can address. A captive agent can only offer you what their single carrier sells. As an independent broker, I represent you — not the insurance company.

 

That distinction matters when you're evaluating income protection, business continuation planning, or a life insurance policy large enough to cover a mortgage and provide for your family. I shop across the market, ask the right questions upfront, and tell you what to expect before you ever submit an application — including how your health history is likely to be underwritten.

 

  • No carrier affiliation — I work for you, not an insurance company
  • Access to most major life, disability, and annuity carriers
  • Detailed health and underwriting review before any application is submitted
  • Direct access to me throughout the process — no call centers, no handoffs
  • 40+ years placing cases, including complex medical histories most brokers can't handle
Two people discussing documents at a table with a laptop in a bright office

Coverage Built Around the White Plains Market

The professionals and business owners in White Plains face coverage decisions that go well beyond a basic term policy. Whether you run a medical practice on Mamaroneck Avenue, lead a legal or financial firm downtown, or own a business with partners and key employees, the right coverage structure depends on your specific situation — not a product catalog.

 

I work with White Plains clients across a full range of coverage needs. Life insurance is often the starting point, but disability insurance is just as critical for professionals whose income depends on their ability to work. For business owners, buy-sell agreement funding and key person insurance are often the pieces that get overlooked until a crisis makes them urgent.

 

For clients with existing policies, I also provide in-force policy reviews — interpreting what you already own, identifying whether it's still performing as intended, and advocating with carriers when something isn't right. If you have an older policy you haven't looked at in years, that review alone is often worth the conversation.

Two people discussing documents at a table with a laptop in a bright office

Business Protection Built for Westchester

White Plains is home to a significant concentration of closely held businesses, professional partnerships, and multi-owner firms. Business continuation planning is one of the most underserved areas in this market — and one of the areas where the difference between a generalist and a specialist is most visible.

 

I work with business owners in White Plains on the coverage structures that keep a company intact when something unexpected happens to an owner or key employee. That includes funding buy-sell agreements with life insurance so a surviving partner can buy out a deceased owner's interest, key person coverage that protects the business against the financial impact of losing a critical team member, and pension maximization strategies for business owners approaching retirement.

 

These aren't off-the-shelf products. They require a broker who understands how the pieces fit together — legally, financially, and from an underwriting standpoint. That's the work I do.

Frequently Asked Questions — Insurance Broker in White Plains, NY

  • Is there an independent life insurance broker in White Plains, NY?

    Yes. I'm Richard Sweig, an independent broker based in Somers, NY — just north of White Plains in Westchester County — and I serve clients throughout White Plains and the surrounding area. As an independent broker, I'm not tied to any single carrier. I shop the market across most major companies to find the right fit for your situation.

  • What's the difference between an independent broker and a captive agent?

    A captive agent represents one insurance company and can only sell that company's products. An independent broker like me represents you — the client — and works across multiple carriers to find the coverage that fits your needs, health profile, and budget. For White Plains professionals with specific underwriting considerations or complex coverage needs, that flexibility makes a meaningful difference.

  • Do you work with White Plains business owners on coverage beyond personal life insurance?

    Yes. Business continuation planning is a core part of what I do. I work with White Plains business owners on buy-sell agreement funding, key person insurance, and pension maximization strategies. These are areas where having an experienced specialist — rather than a generalist — tends to produce significantly better outcomes.

  • Can you help if I have a complex medical history or an older policy I'm not sure about?

    Both are situations I handle regularly. I've spent over 40 years placing cases with complex medical histories that other brokers couldn't place, and I have deep experience reviewing in-force policies — interpreting what you own, identifying whether it's still performing as designed, and working with carriers on your behalf when something needs to be addressed.

  • What insurance products do you offer to White Plains clients?

    I work across life insurance, disability insurance, long-term care planning, and annuities. On the life side, that includes term, whole life, universal life, return-of-premium term, and hybrid life and long-term care products. I also work with White Plains professionals on guaranteed income annuities and deferred indexed annuities for retirement income planning.

Schedule a Consultation with a White Plains Insurance Broker

If you're a White Plains professional or business owner looking for independent insurance advice, I'm ready to have that conversation. I'll ask the right questions, explain your options clearly, and give you an honest picture of what's available — without pressure and without a sales script. Call or text me directly, or use the button below to schedule a time.