Life Insurance
Your family will always be protected even if you're not around
- Children Whole Life
- Critical Advantage
- Guaranteed Advantage
- Index Universal Life Express
- Living Promise
- Term Life
- Term Life Express
About Life INSURANCE
The basic premise is simple: Life insurance gives you peace of mind while you’re alive, and financial support for your loved ones when you’re gone. It’s something you should have if there are people in your life depending on you for everyday living expenses, college tuition, or retirement income.
Life insurance can make a huge difference for you and your family, not just financially but emotionally, too. And purchasing a policy sooner, rather than later, will give you more options and flexibility as well as the financial security you’ll need in the future.
How does it work?
Life insurance is an agreement between you and your insurance company. You make regular payments, called premiums, and the insurance company pays your beneficiaries a tax-free lump sum of money when you die. With some policies, you get additional benefits to use during your lifetime, like accessing the policy’s cash value, which can be used for a down payment on a home. However, accessing the cash value will reduce the policy’s available cash surrender value and death benefit. You can also accelerate death benefits and use them for health care needs
Which type is best?
There are a number of different types of policies, but basically just two broad categories of life insurance: term life and permanent life. The one that’s best for you depends on your needs and may even be a combination of products.
Term life insurance provides a death benefit for a set period of time, typically between five and 20 years. This is straightforward insurance and what most people start out with. Certain term life policies can be converted to a permanent policy at a future point, which is a useful benefit if your life changes and you need additional protection.
Whole, universal, and variable universal life all provide protection for the long-term. In fact, whole life even provides permanent coverage. Some policies have more guarantees than others, and some give you the opportunity to grow your policy’s cash value.
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Better yet, see us in person!
We love our customers, so feel free to visit during normal business hours.
134 Main St. Flemington, NJ 08822
+1 908-893-8870
Office Line
+1 908-893-8086
Business Cell
Hours
- Mon 09:00 am – 03:00 pm
- Tue 09:00 am – 03:00 pm
- Wed 09:00 am – 03:00 pm
- Thurs 09:00 am – 03:00 pm
- Fri 09:00 am – 03:00 pm
- Sat Closed
- Sun Closed