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Best Life Insurance Companies in Jersey City

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Alpha Direct Agency logo
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License Verified:

License: 3000966816

State of New Jersey Banking and Insurance

Alpha Direct Agency

5030 Broadway, New York, NY 10034
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Alpha Direct Agency is a life insurance company that helps the people of New Jersey preserve their financial future. Its team of sales representatives educates clients about the different types of life insurance, such as term life, universal life, variable universal life, and whole life insurance. Other than life insurance, the agency also offers quotes for home, auto, and business insurance policies. In 2010, Alpha Direct Agency's business owner, Emmanuel Osuyah, became a Certified Insurance Counselor.

License Verified:

License: 3000966816

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 (16)
Google
5.0 / 5 (5)

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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American Corporate Benefits, Inc. logo
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License Verified:

License: 9474242

State of New Jersey Banking and Insurance

American Corporate Benefits, Inc.

62 William Street, New York, NY 10005
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

American Corporate Benefits, Inc. serves Jersey City and New York City clients through its varied selection of employee benefits services and insurance products. These insurance products range from life and expatriate insurance to various life insurance policies such as universal, term, and whole-life insurance. Moreover, the company's employees can consult with clients to create long-term and short-term strategies that cover health plans, disability, and workers' compensation. American Corporate Benefits is affiliated with various insurance carriers, including Lincoln Financial Group and Accordia Life.

License Verified:

License: 9474242

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

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
––
Chris Tomolonis Financial Advisor logo
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License Verified:

License: 1543584

State of New Jersey Banking and Insurance

Chris Tomolonis Financial Advisor

159 Pine Street, Jersey City, NJ 07304
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  • Life Insurance

Business Description

Chris Tomolonis Financial Advisor serves clients in Jersey City and the surrounding areas. Chris worked on Wall Street before working as an investment advisor representative in 2014 with the Registered Investment Advisor, Woodstock Wealth Management Inc. He currently works with over 50 individuals and families across the US who need financial planning and investment management services. These services include budgeting, liabilities, assets, income, and tax analysis and recommendations. He also helps clients in aligning their investment, insurance, retirement, and estate plans with their personal life and interests. Chris is the founder of BNI Liberty.

License Verified:

License: 1543584

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 (15)
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
Core Benefit Concepts logo
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License Verified:

License: 1310914

State of New Jersey Banking and Insurance

Core Benefit Concepts

298 Ridge Road, Lyndhurst, NJ 07071
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  • Life Insurance
  • Health Insurance

Business Description

Core Benefit Concepts is a life insurance agency founded in 2008 and owned by Frank Ferrandino, who has over 20 years of experience in the industry. Offering assistance to residents of Jersey City, the agency provides life insurances in term and permanent categories. It also offers individual health, employer group health, and dental insurances. Core Benefit Concepts also provides seniors and their families a final expense life insurance policy that can be used in the event of a death in the family.

License Verified:

License: 1310914

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 (4)
Google
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
Davis Agency logo
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License Verified:

License: 8206909

State of New Jersey Banking and Insurance

Davis Agency

865 Mountain Avenue, Mountainside, NJ 07092
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  • Life Insurance

Business Description

Davis Agency Insurance operating out of New Jersey for the past 45 years, offers all types of life, business, and property insurance coverage. The agency offers umbrella liability insurance, personal coverage, and other life insurance exposure protection. Their homeowner insurance package covers owned or rented dwellings for single and multiple-family dwellings, including condominiums and apartments. Their auto insurance plans include risk cover for motorcycles, RVs, and boats. The agency also provides risk management and insurance coverage for all types of contractors.

License Verified:

License: 8206909

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 (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
DMAS Insurance logo
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License Verified:

License: 197668

State of New Jersey Banking and Insurance

DMAS Insurance

1132 Forest Avenue, Staten Island, NY 10310
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  • Life Insurance
  • Health Insurance

Business Description

DMAS Insurance is a family-owned and family-operated business that offers personal and commercial insurance solutions in Jersey City. Having been in the industry for over 75 years, the company carries an array of life and health insurance products, including individual and group health insurance, annuities, and term and whole life insurance. Its agents walk clients through available insurance options and help them select suitable types, which include universal life and second-to-die insurance. DMAS Insurance also offers flood, watercraft, and commercial property insurance.

License Verified:

License: 197668

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 (28)
Facebook
5.0 / 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
Estir logo
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License Verified:

License: 1113383

State of New Jersey Banking and Insurance

Estir

652 Bloomfield Avenue, Bloomfield, NJ 07003
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  • Life Insurance
  • Health Insurance

Business Description

E.S.T.I.R. Inc. is a local independent agency that has been providing insurance services since 1999. With office locations in Princeton and Bloomfield, the agency serves customers from all over Jersey City and the surrounding areas. The firm offers a wide range of insurance products, including life, health, home, and auto plans. Its team of agents helps clients compare policies from various insurance providers and find the type of coverage that suits their budget and needs. Services are available in both English and Spanish.

License Verified:

License: 1113383

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 (19)

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
––
Global Indemnity Insurance Agency logo
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License Verified:

License: 8852346

State of New Jersey Banking and Insurance

Global Indemnity Insurance Agency

65 Jefferson Street, Newark, NJ 07105
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  • Life Insurance
  • Health Insurance

Business Description

Global Indemnity Insurance Agency is a full-service firm that offers various insurance products in Jersey City. It has a vast array of life insurance products, which cover individual and group life, long-term care, disability, and key person. Additionally, this firm helps clients with their home and car insurance needs, covering liabilities, collision, accident forgiveness, landlords, and renters. Global Indemnity Insurance Agency has been in the business since 1988. It works with insurance providers such as Liberty Mutual, Travelers, and AmTrust.

License Verified:

License: 8852346

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 (3)
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
––
Greaves Insurance & Greaves Financial Services logo
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Greaves Insurance & Greaves Financial Services

1288 Coney Island Avenue, Brooklyn, NY 11230
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  • Life Insurance

Business Description

Serving Jersey City, Greaves Insurance & Greaves Financial Services provides an array of insurance services to clients in the area. It offers life insurance products, such as whole life insurance, term life insurance, and universal life insurance. The company also has other insurance options for long-term care, disability, homeowners, condominium, renters, and auto. Eustace L. Greaves, Jr., its owner and principal, has over 30 years of professional experience in the insurance industry.

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.
4.3
Facebook
5.0 / 5 (5)

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
HUB International New York (Bryant Park) logo
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License Verified:

License: 767175

State of New Jersey Banking and Insurance

HUB International New York (Bryant Park)

5 Bryant Park 4th Floor, New York, NY 10018
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  • Individual Plans
  • Life Insurance

Business Description

HUB International New York (Bryant Park) provides a comprehensive range of personal and commercial insurance lines to its clients in Jersey City and nearby areas. It works with individuals, families, and businesses, as well as local professional institutions for their insurance needs. One of its offerings includes life insurance policies for high-net-worth individuals. In addition, this full-service agency gives back to the community by partnering with charitable organizations, including Starlight Children's Foundation and Feeding America.

License Verified:

License: 767175

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Associates Plus logo
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License Verified:

License: 8802611

State of New Jersey Banking and Insurance

Insurance Associates Plus

1523 Morris Avenue, Union, NJ 07083
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Insurance Associates Plus is an independent insurance company offering individuals and businesses in Jersey City and its surrounding areas a variety of insurance options. It specializes in life, watercraft, and group health insurance. The company also helps people safeguard their prized possessions through its home, auto, and business insurance plans. Insurance Associates Plus has been in the industry since 1980. It works with several insurance companies, such as Liberty Mutual, Farmers, Mercury, Progressive, and Foremost.

License Verified:

License: 8802611

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 (23)
Facebook
5.0 / 5 (5)

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
Mansa Nicome logo
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License Verified:

License: 1116816

State of New Jersey Banking and Insurance

Mansa Nicome

86 New Jersey 35, Neptune City, NJ 07753
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Mansa Nicome is a State Farm insurance agent who has been serving clients in Jersey City and neighboring areas since 2008. Nicome specializes in providing customers with life, automobile, homeowners, renters, and business insurance products. The life insurance policies typically include term and permanent life insurance coverage. He also offers financial services with a focus on resident relocations to Monmouth County. Nicome originally hails from Trinidad and Tobago. He moved to Brooklyn, New York in 1985 and started his State Farm career in 2001.

License Verified:

License: 1116816

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 (26)
Facebook
5.0 / 5 (20)

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
––
Marcia Cassab logo
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License Verified:

License: 1282561

State of New Jersey Banking and Insurance

Marcia Cassab

120 Broadway, New York, NY 10271
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  • Life Insurance

Business Description

Marcia Cassab is an insurance professional who is affiliated with New York Life Insurance Company. She caters to clients in Jersey City and the surrounding areas. Her line of products includes life insurance policies, which encompass a cash value that can be used for business succession, estate plans, and major life events. Working with various carriers, Marcia also offers other insurance products, such as disability income as well as individual and group health coverages.

License Verified:

License: 1282561

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 (1)
MassMutual Tri State logo
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License Verified:

License: 8209692

State of New Jersey Banking and Insurance

MassMutual Tri State

186 South Wood Avenue, Woodbridge Township, NJ 08830
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  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance
  • Permanent Life Insurance Policy

Business Description

MassMutual Tri State is a financial services firms delivering customized solutions to individuals and businesses in Jersey City. It offers term life insurance and permanent life insurance options, including whole, universal, and variable universal life insurance policies. Its financial services representatives and agency staff assist clients with immediate and deferred annuities, disability income insurance, long-term care, mutual funds, and trust services. Additionally, these professionals provide employee benefits packages, financial education workshops, succession planning, and retirement planning.

License Verified:

License: 8209692

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 (2)
McCue Captains Agency logo
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License Verified:

License: 8808093

State of New Jersey Banking and Insurance

McCue Captains Agency

680 Branch Avenue, Little Silver, NJ 07739
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  • Life Insurance

Business Description

McCue Captains Agency is a local independent insurance agency that serves clients in Jersey City. It offers life insurance plans that cover funeral costs, replace lost income, pay for children's tuition, and pay for mortgage loans. It also specializes in providing other insurance products, such as property, liability, home, flood, and general liability insurance. Working with national and regional insurance companies has allowed the insurance agency to offer clients a wide range of insurance products. It was established in 1927.

License Verified:

License: 8808093

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
Facebook
5.0 / 5 (5)
Yelp
4.0 / 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
Michael Pechersky logo
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License Verified:

License: 0I39424

State of New Jersey Banking and Insurance

Michael Pechersky

155 East 44th Street, New York, NY 10017
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  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

Michael Pechersky is a certified financial and investment advisor that has been serving clients in Jersey City, Brooklyn, and surrounding areas. He works with Barnum Financial Group. He specializes in providing life insurance options, pensions, disability insurance, elder care, and retirement planning. He also provides assistance in developing risk management options with his clients and providing insurance plans that cover health, long-term care, casualties, and property. Perchesky has been an adjunct professor of finance at Brooklyn College Since 2017.

License Verified:

License: 0I39424

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)

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
Samra Wealth Management logo
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Samra Wealth Management

285 Fulton Street, New York, NY 10007
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Samra Wealth Management is a financial planning company assisting Jersey City consumers with their insurance needs. As part of its life insurance services, it helps individuals and families with irrevocable living trusts as well as buy and sell agreements. It also extends disability income policies, long-term care insurance, and employee coverage. Its principal wealth advisor, Indy Samra, is a co-chairman of the New Jersey Chapter of the Punjabi Chamber of Commerce. He is also a member of SAVA's advisory board.

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
Schmutter, Strull, Fleisch Inc. logo
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License Verified:

License: 684228

State of New Jersey Banking and Insurance

Schmutter, Strull, Fleisch Inc.

80 Maiden Lane Lane Suite 505, New York, NY 10038
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  • Life Insurance

Business Description

Schmutter, Strull, Fleisch Inc., offers life coverage options to clients in Jersey City. Beyond providing term, whole, and universal policies, the agency also covers other personal insurance lines, including home coverage for replacement costs or liabilities and vehicle coverage for cars, motorcycles, or boats. It also offers insurance for businesses such as commercial auto, commercial property, professional liability, and group benefits. Founded in 1894, Schmutter, Strull, Fleisch has been commended by clients for its expertise on property, casualty, and auto insurance and for being service-oriented.

License Verified:

License: 684228

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
5.0 / 5 (22)
Facebook
3.0 / 5 (7)
Yelp
3.0 / 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
Syren Capital Insurance Services Group logo
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Syren Capital Insurance Services Group

85 Broad Street, New York, NY 10004
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  • Life Insurance

Business Description

Syren Capital Insurance Services Group is an independent firm delivering personalized services to customers in Jersey City. Representing several insurance carriers, it provides policy options like life insurance, disability insurance, long-term care insurance, pension plan, and life settlements. The company also offers premium finance investments, business and estate planning, policy review, and fixed index annuity. Syren Capital Insurance Services Group's leadership team has more than 20 years of collective experience in the insurance and financial industries.

The Limeri Agency, Inc logo
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License Verified:

License: 1630971

State of New Jersey Banking and Insurance

The Limeri Agency, Inc

3929 Amboy Road, Staten Island, NY 10308
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  • Life Insurance

Business Description

The Limeri Agency, Inc is a family-owned insurance agency offering insurance and financial services to residents in Jersey City and nearby communities. For more than 20 years, it has been serving families, individuals, and business owners with its individualized insurance solutions, including life insurance plans. It also offers auto insurance along with an online defensive driving course for point and insurance reduction. Founder Fred Limeri possesses more than 37 years of experience in the industry.

License Verified:

License: 1630971

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.
4.3
Facebook
4.0 / 5 (8)

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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