A Family-Operated Insurance Agency Serving Client Needs Since 1864

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Phone: (800) 777-0044

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Life Insurance

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance – the list and combinations seem endless. Our seasoned team of life insurance professionals will fashion the right plan – or mixture of plans – for your specific needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – does not accrue cash value.

Whole Life Insurance Basics:

  • Permanent coverage, not for a specific period.
  • Protection stays with you for your whole life.
  • Can build equity and cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Click below to read more about:


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Contact Us NJ

1 Bethany Rd. Suite 50
    Hazlet, NJ 07730-1667

Tel: (732) 344-5154
Fax: (732) 344-5155

Monday-Friday: 9am - 5pm
Saturday & Sunday: Closed

Contact Us NY

110 Wall Street, 11th Floor NY,
NY 10005

Tel: (800) 777-0044
Fax: (732) 344-5155

Monday-Friday: 9am - 5pm
Saturday & Sunday: Closed

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