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Life Insurance
Life insurance helps replace income, pay off a mortgage, fund college, and cover final expenses so your family can focus on what matters.
What New Jersey residents should know
- Term life provides affordable coverage for a set period, such as 10, 20, or 30 years.
- Whole and universal life policies offer lifelong coverage and can build cash value.
- The New Jersey Life and Health Insurance Guaranty Association offers policyholders added protection if an insurer becomes insolvent.
- NJ law provides a free-look period after you receive a new policy, letting you review and cancel for a refund.
Common coverages
- • Term life
- • Whole life
- • Universal life
- • Final expense
- • Key person (business)
Craig's tip
A common rule of thumb is coverage of 10–12 times your annual income — we'll help you find the right number.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.