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Best Life Insurance Companies in Edison

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2023
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Barrood Agency Inc. logo
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License Verified:

License: 8051907

State of New Jersey Banking and Insurance

Barrood Agency Inc.

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50 Paterson Street, New Brunswick, NJ 08901
  • Life Insurance
  • Health Insurance

Business Description

Barrood Agency Inc. is a full-service insurance agency that has been writing life insurance policies since 1940. It works with individuals in Edison to help ensure their families and dependents are financially secure even if they pass away. The firm's agents advise policyholders on what type of coverage they need, depending on their situations and income. Barrood Agency Inc. partners with several insurance companies in order to provide a wide selection of options. Additionally, it can also accommodate Spanish-speaking clients.

License Verified:

License: 8051907

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (21)
Facebook
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carmelo G. La Marca logo
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License Verified:

License: 1685887

State of New Jersey Banking and Insurance

Carmelo G. La Marca

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379 Thornall Street, Edison, NJ 08830
  • Life Insurance
  • Health Insurance

Business Description

Carmelo G. La Marca is an insurance professional with New York Life Insurance Company who serves residents and businesses in Edison. He provides a range of risk management solutions, including whole and term life insurance, annuities, and long-term care coverage. Additionally, he offers securities products, investments, and services. He is currently serving as a volunteer firefighter with the Adelphia Fire Company. Carmelo speaks English, Spanish, and Italian.

License Verified:

License: 1685887

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Five Star Insurance Agency, LLC logo

License Verified:

License: 1042950

State of New Jersey Banking and Insurance

Five Star Insurance Agency, LLC

446 New Brunswick Avenue, Woodbridge Township, NJ 08863
  • Life Insurance
  • Health Insurance

Business Description

Five Star Insurance Agency, LLC, is a locally owned and operated business that has been serving the Edison community since 1984. It offers life insurance policies to help individuals save their families from financial struggles after their death. Its team helps clients determine the type of coverage they need through its partnership with multiple insurance carriers that produce tailored solutions. Aside from providing insurance solutions, the agency also specializes in income tax preparation. Its founder, Dennis Fitzpatrick, has more than 30 years of experience in tax and insurance.

License Verified:

License: 1042950

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (49)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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Fraser Brothers Kennedy & Ward Delaurier Insurance Agencies logo
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License Verified:

License: 9830635

State of New Jersey Banking and Insurance

Fraser Brothers Kennedy & Ward Delaurier Insurance Agencies

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811 Amboy Avenue, Edison, NJ 08837
  • Life Insurance

Business Description

Fraser Brothers Kennedy & Ward Delaurier Insurance Agencies is an independent company that has been serving individuals, families, and businesses in Edison for more than 100 years. It offers health, life, auto, and business insurance. It provides commercial and personal lines coverage, including flood, umbrella, liquor liability, and renters' insurance. The agents from the company deliver personalized services. In addition, they work with several selected carriers, such as Berkshire Hathaway GUARD, AmTrust Financial, and American Collectors Insurance.

License Verified:

License: 9830635

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (6)
Yelp
2.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gilma Escobar logo
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License Verified:

License: 1584006

State of New Jersey Banking and Insurance

Gilma Escobar

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893 King Georges Post Road, Edison, NJ 08837
  • Life Insurance
  • Health Insurance

Business Description

Gilma Escobar is an insurance agent with State Farm, catering to clients in the Edison area. She offers universal, term, and whole life insurance options, Medicare supplemental plans, and coverage for pets, health, and disabilities. Furthermore, risk management solutions for personal articles, real estate, businesses, and commercial properties are available. She and her team can provide financial services related to annuities, banking, and mutual funds. Escobar's agency can communicate through English, Spanish, Hindi, Gujarati, and Urdu.

License Verified:

License: 1584006

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (132)
Facebook
5.0 / 5 (7)
Yelp
2.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jodi Schoenlank logo
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License Verified:

License: 9467348

State of New Jersey Banking and Insurance

Jodi Schoenlank

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1941 Oak Tree Road, Edison, NJ 08820
  • Life Insurance

Business Description

Jodi Schoenlank is an insurance agent with State Farm since 1994, serving clients in the Edison area. She offers term, whole, and universal life insurance policies, as well as health and pet insurance. Additionally, her office provides risk management solutions for personal properties, such as auto, homes, apartments, jewelry, and sports equipment. Business insurance, commercial policies, and workers' compensation are likewise available. Jodi is a State Farm Ambassador Travel, Legion of Honor, and Bronze Tablet qualifier.

License Verified:

License: 9467348

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lubowicki Insurance Agency, Inc. logo
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License Verified:

License: 9020279

State of New Jersey Banking and Insurance

Lubowicki Insurance Agency, Inc.

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400 New Durham Road, Metuchen, NJ 08840
  • Life Insurance

Business Description

Lubowicki Insurance Agency, Inc., is a family-run independent insurance firm serving clients in Edison and across New Jersey. It offers individual life insurance plans with term, universal, and whole life options. Other personal lines include home, condo, auto, and flood insurance plans. The firm also provides policies for businesses. These include business owner’s insurance, general liability, and workers’ compensation. Lubowicki Insurance Agency works in partnership with Beyond Insurance Global Network. President Ed Lubowicki is an Accredited Cyber Risk Professional.

License Verified:

License: 9020279

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.