INSTANT TERM LIFE INSURANCE QUOTES

WE MAKE THE PROCESS EASY

• Calculate coverage amount (Optional)
  (Use our calculator below or we can help)
• Compare plans from top rated providers instantly
• Find the cheapest life insurance rates available
• Request an application online or Call Us.
• We'll explain the process & answer any questions
  (We'll confirm you have the best carrier & rates
  for your specific situation)
• We'll begin the online application process
  
  Personalized, independent, comprehensive Advice
  We're here to help; Call us at (973)-285-1040

Why work with us?

• Experience to find the right carrier and policy for your specific situation
  
• Independent Agent - means dozens of top rated insurers to choose from
  
• We find you the lowest rates available
• Privacy - We won't ask you to answer personal medical questions online to get a quote
• We'll make sure you understand the various benefits available by different carriers
  
• Personalized, honest, comprehensive advice from a local agent at no additional cost to you
  
• Apply in minutes, we'll handle the details and paperwork for you
  
  We're here to answer all your questions - Call us at (973)2851040

Health Issues? We can help

We want to learn more about your personal situation, identify your health or other underwriting issues as well as your objectives. Then, we'll go to work and do our best to find the right carrier and policy to meet your specific situation. We have the experience of working with dozens of carriers with differing underwriting guidelines dependent on the medical issue. Some carriers can be more negotiable then others depending on circumstances, degree of condition, diagnosis, length of time under control since initial diagnosis, etc. Some carriers provide credits for good health aspects against your negative underwriting issues enabling them to offer a better rating. Each circumstance is unique.    

• Cardiovascular disease
• Weight issues
• Cancer
• Parent death prior to age 60 due to cardiovascular disease or cancer
• Diabetes
• Cholesterol
• Blood pressure
• Smoker/ cigarette, cigar, other
• Sleep apnea
• Other pre-existing conditions
• Declined coverage

We'll help determine which carrier will provide you the best chance for coverage for the best rating and price.

Call or email us to discuss your insurance concerns or to get a quote. We look forward to working with you...973-285-1040

Term vs Permanent coverage
Factors to consider

Sometimes a combination is the best answer...

In deciding on term or permanent coverage you would consider the length of time you would like to be covered, health, age, expected future financial dependents and whether an investment component in your policy is right for you. Unlike a term policy, which offers a level rate and coverage based on a set term or number of years, a Permanent Policy does not expire. Generally, Universal Life, Index Universal Life and Whole Life, the most common types of permanent insurance, in addition to the tax free death benefit to beneficiaries, also provides a potential buildup of cash value, or an investment component that can be borrowed against on a tax free basis that does not have to be paid back as long as the policy does not lapse or can be cashed-out if you wish to terminate the policy. Generally speaking, permanent policies act as investments and can grow in value whereas term policies do not. For the added benefits, cash value potential and permanent coverage you will pay a higher premium, but may well be worth the cost if the potential of supplemental tax free income is part of the game plan. Learn more about life insurance types by checking the information above and the other website area's.