NJ Universal Life Insurance Policy

"Your Local New Jersey Universal Life Insurance Agent Specialist!"

We also offer affordable universal life insurance policies in the following New Jersey counties and
cities: Union County, Essex County, Bergen County, Passaic County, Sussex County, Morris
County, Warren County, Hunterdon County, Somerset County, Middlesex County, Monmouth
County, Mercer County, Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway,
Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield,
Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside, Gillette, Warren,
Watchung, Stirling, Millington, Middlesex, Martinsville, Piscataway, Edison, New Brunswick,
Highland Park, North Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City,
Weehawken, West New York, Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus,
Fairview, Ridgefield, Fort Lee, Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield,
Teaneck, Paramus, Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro,
South Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield,
Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington,
Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great Notch, North Caldwell,
Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley,
Kingsland, North Arlington, Kearney, Harrison, East Orange, East Newark, Orange, Irvington,
South Orange, Hillside, Townley, Livingston, Wayne, Trenton, Camden, Atlantic City, Princeton,
Vineland, Willingboro, and Toms River, NJ.

A flexible premium policy that combines protection against premature death with
a savings account that typically earns a money market rate of interest. A
universal life insurance policy is a combination of term life insurance protection
with the cash savings value of whole life insurance. Interest rates paid on the
cash value are typically higher than with whole life insurance because they tend
to follow the markets.

Premiums for universal life insurance policies can be
paid in a lump sum, annually, or anywhere in between.
Interest on the cash value is usually guaranteed, but will
vary according to the investment performance. Each
month deductions are made from the cash value fund to
support the costs of the insurance protection. As long
as the cash value is substantial enough to maintain the
monthly costs, the policy will remain in force. Typically
the death benefit reduces in proportion to the increase
in cash value, thus causing a level death benefit.

Universal Life Insurance Policy Information - New Jersey

Variable Universal Life

Combines the growth potential of stocks with a guaranteed
death benefit. It allows premiums to be paid, reduced, or
even skipped at any time, and the contract will not lapse as
long as sufficient cash value is available. The cash value
fund can be split between different investment mediums,
such as bond funds, stocks, and money markets. It's interest-
sensitive and allows for an adjustable death benefit.

Click on the link below to fill out a quote request form for
a Universal Life Insurance policy that will provide
excellent universal life insurance protection at an
affordable cost. Or speak with our Life Insurance Agent
Specialist at 732-680-4444 to discuss the features.

Click HERE to fill out a

Universal Life Insurance Quote Request Form

Using the strength and experience of our life insurance
markets, we also offer affordable Whole Life, Variable
Life, and traditional Term Life Insurance policies.

Whole Life Insurance Policy

VariableLife Insurance Policy

Click on one below to learn more!

Term Life Insurance Policy