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"The team made getting life insurance simple and stress-free. I finally have the coverage my family needs."
Every coverage type serves a different purpose. Here's what you need to know to make an informed decision for your family or business.
Term life insurance provides coverage for a specific period — typically 10, 20, or 30 years. It is the most straightforward and often most affordable form of life insurance, making it a popular choice for New Jersey families with mortgages, young children, or income replacement needs.
Illustrative example: A healthy 35-year-old non-smoker may qualify for a 20-year, $500,000 term policy for approximately $25–$40/month. Actual rates subject to underwriting.
Whole life insurance provides permanent, lifelong coverage with a guaranteed death benefit and a cash value component that grows over time on a tax-deferred basis. It is a long-term financial planning tool used by New Jersey families for estate planning, wealth transfer, and supplemental retirement income.
Illustrative example: Whole life premiums are higher than term but provide permanent coverage and cash value growth. A licensed advisor can help you compare options across carriers.
Final expense insurance — also called burial insurance — is designed to cover end-of-life costs including funeral and burial expenses, outstanding medical bills, and other debts. It typically features simplified underwriting with no medical exam required, making it accessible for seniors and individuals with pre-existing health conditions.
Illustrative example: Final expense policies typically range from $5,000 to $25,000 in coverage. Premiums vary by age, health, and coverage amount. Speak with an advisor for personalized options.
Key person insurance protects New Jersey businesses from the financial impact of losing a critical employee or business owner due to death. The business is the policy owner and beneficiary, and proceeds can be used to cover recruitment costs, lost revenue, loan obligations, or fund a buy-sell agreement.
Illustrative example: Coverage amounts are typically based on the key person's contribution to revenue or the cost to replace them. A licensed NJ advisor can help structure the right policy.
Names used with permission. Individual results vary. Testimonials represent personal experiences.
"I had been putting off getting life insurance for years. The process was so much simpler than I expected. My advisor explained everything clearly and helped me find a term policy that fits my budget as a single mom."
"My advisor helped me understand the difference between term and whole life, and why whole life made more sense for my long-term goals. I feel confident in my decision and appreciate the honest, no-pressure approach."
"At 72, I was worried I wouldn't qualify for anything. My advisor found a final expense policy that covers my funeral costs and gives my children peace of mind. The application was simple and quick."
Coverage is offered through licensed agents authorized in the State of New Jersey. NJ Life Insurance Agency is licensed by the New Jersey Department of Banking and Insurance (DOBI). License numbers are available upon request. This website and its contents are for informational purposes only and do not constitute a binding offer or commitment of insurance coverage.
All premium examples, rate illustrations, and coverage amounts shown on this website are for illustrative purposes only. Actual rates, premiums, and availability are subject to individual underwriting review, health status, age, tobacco use, and other factors determined by the issuing insurance carrier. Not all products are available in all areas or to all applicants.
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NJ Life Insurance Agency does not provide tax, legal, or investment advice. Consult a qualified professional for guidance specific to your situation. Insurance products are not bank deposits, are not FDIC insured, and are not guaranteed by any federal government agency.