You need life insurance. You don't want to be bothered by an insurance agent but you want the coverage. Other websites, sell your information as "leads" to 1 or many many more insurance agents! We have licensed agents on staff who take care of everything in house! Work with us, get a free quote, get the application, take your medical, get approved,(if you qualify) and get covered! Why are you researching Life Insurance? 1. Protect your family 2. Pay off a debt 3. Provide an income for your spouse or children 4. Protect your business 5. Pay estate taxes We understand! We want to make it as easy as possible! Our licensed professionals can talk you through the process and give sound advice. Call 732-829-4353 to speak with a licensed professional to discuss your options. You should call immediately! Call Today! Whole life insurance is called permanent protection, meaning the coverage (and possibly the premiums) lasts for your entire (whole) life, as long as the premiums are paid. The death benefit is a guaranteed amount, and your premium is fixed. When you pay the premiums on a whole life policy, part of the money accumulates in a cash value account. Guarantees are based on the claims-paying ability of the issuing insurance company. * Mostly widely used to build savings, give a head start to a child, save for future purchase or retirement. After completing the form, please click on the "Submit" button. Your information will be emailed to our offices and we will process your request. A licensed agent will reach out to you within 1 hour. All information will be kept confidential. Universal life is a form of permanent, cash value insurance. Unlike traditional whole life policies, universal life policies are divided into three elements: protection, expense, and cash value. Your cash value receives a guaranteed minimum interest rate plus an excess interest rate when the insurance company's investments perform well, making the returns more competitive than with some other types of policies. Universal life insurance also offers you flexibility through the ability to change your level of protection, premium amounts, and payment frequency. In this way, your policy can keep pace with changes in your life and your corresponding insurance needs. Term life insurance provides life insurance coverage for a specific time period (term). It is often referred to as temporary insurance or pure insurance. The death benefit (face amount) of the policy is paid if you die during the term of the policy. When you live longer than the term of the insurance coverage, nothing is paid. Coverage from 1-30 years.