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Best Life Insurance Companies in Elizabeth

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Albert Serur logo
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License Verified:

License: 3000863306

State of New Jersey Banking and Insurance

Albert Serur

265 West 37th Street, New York, NY 10018
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  • Life Insurance

Business Description

Albert Serur is an insurance agent of National Income Life Insurance Company or NILICO. In addition to specializing in individual insurance and supplemental health insurance, Albert also specializes in life insurance like term life and whole life insurance. NILICO and American Income have been serving working-class families since 1951. American Income Life—the parent company of NILICO—is a wholly-owned subsidiary of Globe Life Inc. Albert joined American Income Life Insurance Company after graduating in 2011.

License Verified:

License: 3000863306

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.
4.6
Google
4.8 / 5 (126)

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
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Detail
American Insurance logo
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License Verified:

License: 8016507

State of New Jersey Banking and Insurance

American Insurance

1129 Raritan Road, Clark, NJ 07066
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  • Life Insurance
  • Health Insurance

Business Description

American Insurance is an insurance firm that serves clients in the Elizabeth area. It offers a range of life insurance policies to help customers secure their financial responsibilities to their families and loved ones in the future and to help them prepare for unexpected life-changing events. Its policies include whole, term, and universal. It also provides risk protection packages for automobiles, excess liabilities, and homes. The company has been in the industry for over four decades and has served over 3,000 clients.

License Verified:

License: 8016507

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
5.0 / 5 (45)
Facebook
3.0 / 5 (14)

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
Dave Carrubba logo
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License Verified:

License: 1069055

State of New Jersey Banking and Insurance

Dave Carrubba

321 Rahway Avenue, Elizabeth, NJ 07202
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  • Individual Plans
  • Life Insurance

Business Description

Dave Carruba is an insurance agent who works with State Farm and serves clients in the Elizabeth area. He offers a range of comprehensive protection packages, such as life, homeowner, and automobile. He also provides policies for annuities, banking, and renters. His practice remains committed to giving reliable and good quality products that will suit every client's needs and goals. Carruba has been working with State Farm for over 34 years, while his agency has been in operation since 2007.

License Verified:

License: 1069055

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 (56)
Facebook
4.0 / 5 (7)

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
Global Insurance Agency, LLC logo
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License Verified:

License: 1057497

State of New Jersey Banking and Insurance

Global Insurance Agency, LLC

514 Westfield Avenue, Elizabeth, NJ 07208
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  • Individual Plans
  • Life Insurance

Business Description

Global Insurance Agency, LLC, is an independent agency that assists with finding life insurance plans for Elizabeth residents. The agency represents multiple insurance companies and helps clients secure life insurance products that fit their needs. Its agents educate clients regarding life insurance policies that take care of their family's needs after death, such as debt repayment, funeral expenses, and daily living costs. Furthermore, the agency offers other personal insurance policies, including dwelling, auto, and umbrella insurance.

License Verified:

License: 1057497

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 (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
Haven Life logo
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License Verified:

License: 1563743

State of New Jersey Banking and Insurance

Haven Life

60 Madison Avenue, New York, NY 10010
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  • Life Insurance

Business Description

Haven Life is a startup company that serves clients in Elizabeth and nearby areas. It provides insurance solutions and products that are accessible through online application and processing. The firm also specializes in life insurance policies with term life coverage. Moreover, it offers disability insurance, salary protection programs, and annuities. Haven Life works in partnership with Massachusetts Mutual Life Insurance Company, an insurance provider that has been in the business for more than a century.

License Verified:

License: 1563743

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.
4.4
Google
4.0 / 5 (193)
Facebook
4.0 / 5 (13)

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
KRA Insurance Agency, Inc. logo
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License Verified:

License: 8039066

State of New Jersey Banking and Insurance

KRA Insurance Agency, Inc.

871 Mountain Avenue, Springfield, NJ 07081
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  • Life Insurance
  • Long Term Care

Business Description

KRA Insurance Agency, Inc., is an independent insurance firm that has been in the industry for over seven decades. Located near Elizabeth, it serves individuals and businesses throughout the Tri-state region. The agency offers insurance products including life plans, disability insurance, long-term care plans, and key person life insurance. It also provides employee benefits with vision and dental coverages. Homeowners’, renters’, and contractors’ insurance plans are also available. KRA Insurance Agency is a Trusted Choice partner. It works with carriers such as CNA and AIG.

License Verified:

License: 8039066

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 (75)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Marc Torres logo
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License Verified:

License: 1078774

State of New Jersey Banking and Insurance

Marc Torres

433 North Wood Avenue, Linden, NJ 07036
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  • Life Insurance
  • Health Insurance

Business Description

Marc Torres has been working as a State Farm agent since 2008. He caters to clients in Elizabeth and the surrounding communities. Included in his product line are term, whole, and universal life insurance policies, covering college tuition, debts, living expenses, and mortgage. Moreover, he offers business, commercial auto, home, pet, and property insurance plans. Over the years, Marc has received various State Farm awards, including Ambassador Travel, Chairman's Circle, and Senior Vice President's Club.

License Verified:

License: 1078774

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.
4.9
Google
4.0 / 5 (224)
Facebook
5.0 / 5 (3)
Yelp
4.0 / 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
New Century Insurance Agency logo
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License Verified:

License: 1668359

State of New Jersey Banking and Insurance

New Century Insurance Agency

440 Elizabeth Avenue, Elizabeth, NJ 07206
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  • Life Insurance

Business Description

New Century Insurance Agency is an Elizabeth-based company. Its agents specialize in various insurance products, such as life, home, umbrella, motorcycle, and boat. It also provides services to business owners who seek workers' compensation and business liability insurance products. Taxes, accounting, and payroll services are also available at the agency. Additionally, it works with several insurance companies, such as Liberty Mutual, Foremost, Progressive, and Mercury Insurance to provide clients choices. New Century Insurance Agency is a sponsor of St. Jude Children Hospital.

License Verified:

License: 1668359

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.
4.9
Google
4.0 / 5 (53)
Facebook
5.0 / 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
New Century Insurance Agency logo
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License Verified:

License: 1668359

State of New Jersey Banking and Insurance

New Century Insurance Agency

440 Elizabeth Avenue, Elizabeth, NJ 07206
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  • Life Insurance

Business Description

New Century Insurance Agency provides a variety of insurance solutions for individuals and businesses in Elizabeth. These include insurance products for people, such as life insurance and workers' compensation insurance. It also has policies for possessions, which cover auto, motorcycles, boats, and homes. Additionally, the agency offers umbrella insurance, which covers injuries and liabilities. New Century Insurance Agency works with different insurance companies, such as Liberty Mutual, Mercury, and Progressive Insurance.

License Verified:

License: 1668359

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.
4.9
Google
4.8 / 5 (21)
Facebook
5.0 / 5 (14)

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
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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