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2024

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Best Life Insurance Companies in Toms River, NJ

Our Recommended Top 9

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Toms River Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3970Reviewed

2385Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2900 New Jersey 88, Point Pleasant, NJ 08742
WebsiteLicense: 1664499

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (9)

Why choose this provider?

I & E Insurance Agency & Financial Services is an insurance agency that caters to individuals in the Toms River area. It provides life insurance along with healthcare policies to clients who want to protect their families financially against untimely death. In addition, it also carries policies that provide coverage for vehicles, homes, and businesses. The owners, Ida and Ernest Caponegro, have more than 80 years of combined experience. The couple also possesses extensive knowledge about small businesses.

  • Life Insurance
  • Health Insurance

600 Mule Road, Toms River, NJ 08757
WebsiteLicense: 1665891

Expertise.com Rating

Review Sources

Google
5.0 (44)

Why choose this provider?

NJ Life & Health Insurance Group is a full-service insurance firm in Toms River that offers a wide array of insurance plans and policies. Its team of professional insurance agents helps clients choose the right insurance plans as well as determine the coverage they need for their specific goals. One of the services the company offers is life insurance planning. This covers final expense, term life, and whole life insurance. NJ Life & Health Insurance Group is also affiliated with known policy providers such as Aetna, Gerber, and Liberty Bankers.

  • Life Insurance
  • Health Insurance

1520 Route 37 East, Toms River, NJ 08753
WebsiteLicense: 8012808

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Hatami Agency is a family-owned and family-operated insurance agency catering to residents of Toms River. It offers clients life insurance products for their financial protection and security, such as individual life insurance and group life and health insurance. The agency has been in business since 1973. Its founder, Vic Hatami, is active in community service. He is a trustee of the 200 Club of Ocean County and a member of the Board of Governors St. Joseph's Century Club.

  • Life Insurance

211 Boulevard of the Americas, Lakewood, NJ 08701
WebsiteLicense: 1269517

Expertise.com Rating

Review Sources

Google
4.0 (181)
Facebook
5.0 (7)

Why choose this provider?

Cosmo Insurance Agency serves the insurance needs of Toms River and the surrounding areas. It offers life insurance policies across all types, including term life insurance, permanent life insurance, and whole life insurance. It also caters to businesses, providing group life insurance policies that can supplement their benefits packages. The company also handles other insurance lines, including health, long-term care, disability, and employee benefits. It has a network of insurers, enabling it to compare different coverages and premiums to create the right plan for its clients.

  • Life Insurance
  • Health Insurance

3005 New Jersey 37, Toms River, NJ 08753
WebsiteLicense: 9019064

Expertise.com Rating

Review Sources

Google
4.0 (26)

Why choose this provider?

Tom Miller is an insurance agent with State Farm for over 30 years. He has been serving families and individuals in Toms River and the surrounding areas. His team offers life insurance options that are available in term, whole, and universal categories. They also provide insurance solutions that cover vehicles, homes, pets, renters, and health. Tom works closely with local businesses to provide insurance coverage for workers' compensation, liability, and properties. He is also experienced in banking, mutual funds, and annuities.

  • Life Insurance

617 New Jersey 37, Toms River, NJ 08755
WebsiteLicense: 9251118

Expertise.com Rating

Review Sources

Google
5.0 (83)
Facebook
5.0 (5)

Why choose this provider?

Steve Meehan is an agent with more than 26 years of industry experience working with State Farm to assist Toms River clients. He helps clients secure health and life insurance coverage. He also assists them in getting policies for homes, autos, properties, and businesses. State Farm is a Fortune 500 insurance company that has over 19,000 agents and employs 58,000 people. It has already served 85 million policies and accounts.

  • Life Insurance

1442 Lakewood Road, Manasquan, NJ 08736
WebsiteLicense: 8056268

Expertise.com Rating

Review Sources

Google
5.0 (23)

Why choose this provider?

Serving the community of Toms River, SIA Insurance offers a wide range of insurance solutions, including life insurance. Its team of professionals has the experience and knowledge to create a life plan that will protect the financial future of its clients' families in the event of untimely death. This insurance firm in Manasquan also offers automobile, commercial business, homeowners', workers' compensation, and renters' insurance. SIA Insurance was established in 2014 by merging Stanberry Insurance Agency and G.E. Smith Insurance Agency.

  • Life Insurance

635 Atlantic City Boulevard, Bayville, NJ 08721
WebsiteLicense: 8012812

Expertise.com Rating

Review Sources

Google
5.0 (196)
Facebook
5.0 (46)
Yelp
5.0 (2)

Why choose this provider?

John Hill Agency is a family-owned and family-operated agency that has been delivering insurance solutions to residents and business owners in and around Toms River since 1959. Its mission is to provide insurance products, such as life policies, that are tailored to the specific needs and budget of each client. As an independent agency, it works with various insurance carriers so that clients can have options when choosing automotive, homeowners', or flood plans. The agency likewise offers business insurance to protect entrepreneurs from financial losses.

  • Life Insurance

1386 Route 9, Toms River, NJ 08755
WebsiteLicense: 1542121

Expertise.com Rating

Review Sources

Google
5.0 (59)

Why choose this provider?

Serving the Toms River community, Capstone Insurance is a team of insurance agents that offer life insurance. As an independent agency, it gives clients access to a wide range of insurance carriers. Its agents help clients plan for their family's future in the case of their death, whether by providing them with the means to pay for unexpected costs or by providing full financial stability. Depending on the client's needs, they can avail themselves of term life insurance or whole life insurance.

  • Life Insurance
  • Health Insurance
  • Group Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
I & E Insurance Agency & Financial Services
2900 New Jersey 88, Point Pleasant, NJ 08742
NJ Life & Health Insurance Group
600 Mule Road, Toms River, NJ 08757
Hatami Agency
1520 Route 37 East, Toms River, NJ 08753
Cosmo Insurance Agency
211 Boulevard of the Americas, Lakewood, NJ 08701
Tom Miller
3005 New Jersey 37, Toms River, NJ 08753
Steve Meehan
617 New Jersey 37, Toms River, NJ 08755
SIA Insurance
1442 Lakewood Road, Manasquan, NJ 08736
John Hill Agency
635 Atlantic City Boulevard, Bayville, NJ 08721
Capstone Insurance
1386 Route 9, Toms River, NJ 08755

FAQs

  • What happens to life insurance after a divorce in Toms River?

    In Toms River, life insurance is considered personal property and not marital property, so policyholders' ex-spouses have no right to obtain funds or death benefits. Policyholders can retain their children as their beneficiaries. They also have the right to change their beneficiaries or remove ex-spouses from their life insurance policy.

  • What are the possible reasons why life insurance claims are denied in Toms River?

    Most life insurance claims in Toms River are denied because the insurance premiums were not paid. Policyholders should settle monthly premiums to ensure that their policies are still running. If they fail to make payments, they will not receive death benefits. Other reasons for claims denials are interpretation issues and retroactive cancellation of policies.

  • What should you consider if you are a new parent and want to purchase life insurance in Toms River?

    If you are a new parent and want to purchase life insurance in Toms River, you should consider your job type, monthly budget, and income and equity. If you have employer-provided life insurance, you can take a cheaper personal life insurance policy to supplement it so that you have enough coverage.

  • For senior citizens in Toms River, what factors should they consider when choosing a life insurance service provider?

    When seeking a life insurance service provider in Toms River, senior citizens must choose one that can work within their budget yet still provide enough coverage. Remember, most seniors have a fixed income, so they need to choose wisely. Another important consideration is the company's reputation. Companies that have been around for decades generally offer good rates.

  • What are the benefits of universal life insurance in Toms River?

    In Toms River, individuals and families can enjoy flexible and tax-deferred premiums from universal life insurance. They can access income-tax-free accumulated cash value that can be used for any reason. These policyholders can also increase their insurance death benefits or retain a fixed amount, depending on their needs.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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