Raul Ratcliffe, Agent at New York Life

Raul Ratcliffe, Agent at New York Life Agent Licensed to sell insurance through New York Life Insurance Company As a licensed Agent of New York Life Insurance Company I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies.

Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. I am not licensed in all jurisdictions.

How are millennials impacting the workforce today?
02/24/2017
How Millennials Are Shaping the Business World

How are millennials impacting the workforce today?

As the millennial generation continues to grow and make an impact, the business world is starting to see increased changes brought on by this generation. The...

02/24/2017

"Champions do not become champions when they win the event, but in the hours, weeks, months and years they spend preparing for it. The victorious performance itself is merely the demonstration of their championship character." ~Alan Armstrong

Help the greater good without hurting your taxes.
02/24/2017
How to give and save on taxes.

Help the greater good without hurting your taxes.

Most of us know that we can make tax-deductible donations to our favorite charities; many folks, however, are unaware of how to do so effectively.

02/07/2017

"Discovery consists of seeing what everybody has seen and thinking what nobody has thought." ~Albert von Szent-Gyorgy

02/06/2017

"Far and away the best prize that life offers is the chance to work hard at work worth doing." ~Theodore Roosevelt

02/01/2017

"Life's most persistent and urgent question is, 'What are you doing for others?'" ~Martin Luther King, Jr. #BlackHistoryMonth

01/12/2017

"Faith is taking the first step even when you don’t see the whole staircase." ~Martin Luther King, Jr.

When it comes to your planning for your future, strength and stability matter.
11/29/2016
Depression-proof. Recession-proof. History-making.

When it comes to your planning for your future, strength and stability matter.

Every one of our promises to our policy owners and their beneficiaries is backed by over 170 years of stability and proven financial strength.

Nearly 1 in 20 kids loses a parent before 16. You can offer hope & resources.
11/29/2016
A Child in Grief: Parents and Family Members

Nearly 1 in 20 kids loses a parent before 16. You can offer hope & resources.

A child mourning the death of a loved one needs support. You can find personal stories, other essays, and resources here that can help your family navigate a loss here ...

Many people only consider life insurance when they get married, buy a home, or start a family. But there are so many oth...
11/04/2016
Not just life insurance. Life-to-the-fullest insurance.

Many people only consider life insurance when they get married, buy a home, or start a family. But there are so many other ways that you and your loved ones might need the protection of life insurance, now and in the future.

Insurance from New York Life does more than you might think—from safeguarding your life savings to covering a child’s college tuition, or protecting your own retirement plan.

Wishing everyone a very happy, healthy, and sweet New Year!
10/03/2016

Wishing everyone a very happy, healthy, and sweet New Year!

Take some time this month to educate yourself about breast cancer, the most common cancer among women in the US (other t...
10/03/2016
Breast Cancer Awareness Month Resources from the American Cancer Society

Take some time this month to educate yourself about breast cancer, the most common cancer among women in the US (other than skin cancer). Millions of women are surviving the disease thanks to early detection.

The American Cancer Society provides helpful information and resources on breast cancer. Find the breast cancer facts you need.

Take some time this month to educate yourself about breast cancer, the second most common cancer among women in the US. ...
10/03/2016
October is Breast Cancer Awareness Month

Take some time this month to educate yourself about breast cancer, the second most common cancer among women in the US. Millions of women are surviving the disease thanks to early detection.

October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. While most people are aware of breast cancer, many...

What helps you get a better night's rest?
09/30/2016
5 Sleep Hacks to Get A Better Night’s Sleep

What helps you get a better night's rest?

Having trouble getting a solid night's sleep? Maybe a few tweaks to your daily routine could help! Here are 5 sleep hacks for a better night's sleep.

How do you keep your kids happy & healthy in the fall?
09/20/2016
26 Ways to Keep Your Kids Active This Fall

How do you keep your kids happy & healthy in the fall?

As the new school year begins, keep your kids active with UnitedHealthcare's tips for fitness-friendly families.

What can we do to exorcise our financial demons and start planning a more secure future?
09/20/2016

What can we do to exorcise our financial demons and start planning a more secure future?

Let's maximize your Social Security benefits.
09/16/2016
Get the most out of Social Security.

Let's maximize your Social Security benefits.

Want to get the most out of your Social Security benefits? Permanent life insurance can help.

Is there a "one size fits most" insurance policy?
09/16/2016
Family Protection Insurance: The Facts

Is there a "one size fits most" insurance policy?

Family Protection life, a unique 10-year level premium term life insurance policy, offers affordable protection for one family under...

Teachers, neighbors, friends & family: If you or someone close to you has experienced a loss, these tools and resources ...
09/14/2016
After a loved one dies - How children grieve and how parents and other adults can support them

Teachers, neighbors, friends & family: If you or someone close to you has experienced a loss, these tools and resources can help provide support. Please share the link with others and feel free to leave a comment with other helpful community resources.

A valuable collection of stories and resources that will help guide you and your family through the death of a loved one.

Do you know if your workplace offers Employee’s Whole Life Insurance? Here are 4 reasons why you may want to ask:
09/14/2016
Employee’s Whole Life at-a-glance

Do you know if your workplace offers Employee’s Whole Life Insurance? Here are 4 reasons why you may want to ask:

Employee’s Whole Life is a life insurance policy you purchase through your employer.

Do you have more than one #retirement account? Here’s 3 reasons why you should consider a rollover.
09/12/2016
Don't leave your retirement assets behind.

Do you have more than one #retirement account? Here’s 3 reasons why you should consider a rollover.

If you've recently changed jobs or retired, consider rolling over your qualified retirement funds to a New York Life Individual Retirement Account.

Many estate owners hold onto assets even when they have an estate tax problem, because they fear the perceived finality ...
09/12/2016
Take 3, New York Life Insurance

Many estate owners hold onto assets even when they have an estate tax problem, because they fear the perceived finality of an irrevocable trust. But what if you could have limited access to your assets? Watch this video to learn more: New York Life Insurance Company and its agents do not provide tax or legal advice.

Many estate owners hold onto assets within their estate even when they have an estate tax problem, because they fear the perceived finality of an irrevocable trust. But what if you didn’t have to give up complete control of your assets?

343 paramedics and firefighters lost their lives on September 11, 2001. Their dedication to helping others—no matter the...
09/09/2016

343 paramedics and firefighters lost their lives on September 11, 2001. Their dedication to helping others—no matter the cost—makes me appreciate our nation’s first responders more than ever. My thoughts and prayers go out to their families and to the men and women who continue to put their lives on the line for others every day. #Honor911

You can prevent debt from spiraling out of control.
09/05/2016
5 Ways to Prevent a Debt Spiral

You can prevent debt from spiraling out of control.

Be the master of your fate when it comes to conquering credit card debt.

09/05/2016

"What you do today can improve all your tomorrows." ~Ralph Marston

Address

6901 Rockledge Dr, Ste 500
Bethesda, MD
20817

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