"Your Local New Jersey Whole Life Insurance Agent Specialist!"
We also offer affordable whole 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.
The most popular choice for those seeking to cover permanent needs, such as contributing
to a survivor's nest egg, paying off final expenses, etc. Whole life insurance provides
permanent, lifelong insurance coverage. The benefit amount remains the same and is
Life Insurance can help protect your family and is an excellent way to accumulate
money for college, retirement or unplanned expenses. A person should have life
insurance that approaches six to eight times their annual gross income.
Whole life insurance has a fixed premium and a level
death benefit to age 100. The premiums don't increase
with age, which averages the cost of the policy over
your life. The cash value increases with time until it
equals the death benefit at age 100. This type of policy
never has to be renewed or converted. The cash value
is an amount of money that you are guaranteed to
receive in the event of policy cancellation.
New Jersey Whole Life Insurance Policy Information
Variations of Whole Life Insurance include:
Modified Premium - lower fixed premium for the first
3 or 5 years, and then premiums increase. These policies
work well for individuals that expect to improve their
financial condition in the near future.

Graded Premium - premium increases each year for
the first 5 years, and then is fixed.
1. guaranteed protection for life
2. level death benefit that is generally tax-free
3. premiums do not increase in correlation with your age
4. cash may accumulate tax-deferred
1. premium costs may make it difficult to buy enough
2. need to carry a whole life policy for a considerable length of
time to be very beneficial
3. cash value may be less than your face value
4. cannot vary your monthly premium payment and the
premium-paying period may be lengthy
5. amount of coverage cannot be increased at a later date
Advantages of Whole Life Insurance
Disadvantages of Whole Life Insurance
Click on the link below to fill out a quote request form
for a Whole Life Insurance policy that will provide
excellent whole life insurance protection at an
affordable cost. Or speak with our Life Insurance
Agent Specialist at 732-680-4444 to discuss the
features.
Using the strength and experience of our life insurance
markets, we also offer affordable Universal Life, Variable
Life, and traditional Term Life Insurance policies.
Click on one below to learn more!
Request a Quote Here!
"Your New Jersey
Life Insurance Agent"
"Offering Professional
Insurance Services Since 1976"
Answer a few general
questions and we will provide
you with a no obligation quote
by phone or email. Choose
the New Jersey Personal or
Business Insurance coverage
you're interested in from one
of the menus above.
Personal Insurance
Employee Benefits
Commercial Insurance
Financial Services
payable to the beneficiary(s) at the time of the insured's
(your) death. It also offers an opportunity to build cash
value, so you can take a loan on your policy to fund major
purchases or to provide for unexpected costs.
Copyright 2004-2008 American Insurance Services Agency - All rights reserved
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American Insurance
Services Agency
1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067