Life Insurance

Learn more about our Life Insurance services

Many companies claim that they can save you 50-70% on your life insurance rates, but it takes an experienced team of professionals to successfully secure those rates directly from the insurance companies. We can provide a quick and convenient way to find and purchase life insurance 24-hours a day from the comfort of your home and office.

We utilize searching technology designed specifically to find you the best quotes available on life insurance. Simply fill out our quote form, and we will get you started. Every quote is accurate, un-biased, and provides you with an easy way to understand comparisons of the most competitively priced policies available to you.

Now is a great time to lock in your life insurance rates. You have our personal guarantee that we will work hard on your behalf to secure you the lowest rates available in the market.

A life insurance policy is a contract with and insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.

Life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It’s important to note that death benefits from all types of life insurance are generally income tax-free. If you have any other thoughts please checkout our Life Insurance checklist.

Final expense or Simplified Issue Life Insurance is a life insurance product with a specific, simple application process and a smaller face value can. Typically, face values can range from $5,000 to $25,000, although, policies can often be written outside of that range in either direction. This particular type of insurance is designed to be more convenient and able to be purchased without requiring a medical exam or a lengthy questionnaire.

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NJ Life and Health Insurance Group, LLC is not affiliated with or endorsed by the Social Security Administration or the Federal Medicare Program