Expertise.com
2024

Last updated:

Best Life Insurance Companies in Elizabeth

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Elizabeth 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.

5721

Reviewed

3435

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.8
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
Friendliness
Helpfulness
Detail

Website
440 Elizabeth Avenue, Elizabeth, NJ 07206
  • Life Insurance

Why choose this provider?

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.
4.2
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

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

Why choose this provider?

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.
4.0
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

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

Why choose this provider?

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.
4.5
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

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

Why choose this provider?

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)
Yelp
1.0 / 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

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

Why choose this provider?

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.0
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

Frequently Asked Questions

  • How long does it take to receive a life insurance payout in Elizabeth?

    According to state laws that govern the city of Elizabeth, you should receive a life insurance payout within 60 days of submitting all required documents, such as the insured's death certificate and proof of interest from the claimant. However, if the insurance carrier contests a portion of the claim, the claimant must be notified within 45 days.

  • Do you have a free look period for life insurance policies in Elizabeth?

    Yes, state laws about life insurance policies say that as a policyholder in Elizabeth, you have 10 days to look over your coverage for free. If you think there are holes in the coverage or not enough of it, you can return the policy and get a full refund of the money you paid.

  • Will you lose your life insurance coverage in Elizabeth if you missed a payment for your premium?

    No, you will not lose your life insurance coverage if you fail to pay your premium in Elizabeth. State laws require insurance companies to provide policyholders with a 30-day grace period to update their payments. Please keep in mind that your life insurance policy is still active during this time.

  • Will your life insurance in Elizabeth pay your death benefits if you die in another country?

    Yes, even if you die in another country, your family or beneficiary will be able to receive your life insurance benefits in Elizabeth if your policy has been in force for at least two years. However, insurance companies will have to delay granting benefits because an investigation and additional documentation will be required.

  • What are the reasons why your life insurance payout might be denied in Elizabeth?

    In Elizabeth, your life insurance benefits may be forfeited if you provide false or incorrect information in your application. Other grounds for forfeiture include concealing medical records related to a pre-existing condition or the death was caused by illegal activities. To avoid problems when filing a claim, it is critical that you provide accurate information during your life insurance application.

  • 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.

Related Articles

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...