Cost effective insurance plans with personalized service.

Types of Life Insurance

Choosing the right type of life insurance is one of the most important decisions you can make. Many people also find this to be a very confusing process, due to the many different types of life insurance products on the market. We have prepared this brief guide to help you better understand your options.

Term Life

Simple and affordable, Term Life Insurance provides coverage for a certain number of years (the “term”), for example 5, 10 or 20 years. Term Life plans have fixed premiums for the length of the policy.

There are various types of Term Life policies – Call us at 201-986 1427 for help finding the plan that best suits your needs!

Whole Life

Whole Life Insurance provides coverage for the entire lifetime of the insured, regardless of how many years that entails. as long as the premiums are paid. Whole life policies have guaranteed premiums, a death benefit and a cash value.

Fixed Universal Life Insurance

Fixed Universal Life Insurance offers protection for your family and your estate along with the opportunity to earn interest on your policy’s cash value at a fixed rate.

Survivorship Term Life

Survivorship Term Life is Term Life Insurance which covers two people, generally a husband and wife, under one policy.

Guaranteed Issue / Simplified Issue

Guaranteed Issue Life Insurance may be an option if you have previously been been turned down for life insurance due to a serious medical condition.

Simplified Issue is a type of life insurance which is processed quickly and does not require a medical exam.


Often a key part of retirement planning, annuities offer tax-deferred earnings followed at some point by periodic payments to you, paid out over a certain period of time. Some Annuities include a death benefit for your beneficiary.

In the Northern NJ area? Contact us today for a FREE coverage review and personalized help in finding the best and most affordable insurance for yourself, your family or your business!