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Best Life Insurance Companies in New Jersey

2024

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Providers

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Website
New Jersey
  • Health Insurance
  • Life Insurance

Why choose this provider?

First Jersey Insurance Agency, Inc. caters to residents of New Jersey and across the tri-state area. It helps insurers secure the finances of their families in the future by offering term-based and permanent life insurance plans. The agency also offers a variety of health indemnity products, including individual and group plans, Medicare planning programs, and security plans for strokes and cancer. First Jersey has over 37 years of experience helping clients find financial products and health insurance policies.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
New Jersey
  • Life Insurance

Why choose this provider?

Prime Time Insurance Agency serves clients in New Jersey, New York, Maryland, and Pennsylvania. It offers term, whole life, and universal life insurance policies, as well as other products, such as home, auto, and commercial. It guides clients step-by-step through getting the appropriate amount of insurance. The agency carries several insurance companies, including Coastal Agents Alliance, Franklin Mutual, New Jersey Skylands, Providence Mutual, Plymouth Rock, and Mutual of Omaha. Prime Time was established in 2014.

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
4.9 / 5 (127)
Facebook
5.0 / 5 (6)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
New Jersey
  • Health Insurance
  • Life Insurance

Why choose this provider?

Blue Lion Insurance Advisors, LLC caters to the people of New Jersey. The agency's specialists offer clients a life insurance plan that helps financially protect their families in case of unforeseen events. They assist clients in finding the most suitable package for them and their beneficiaries and guide them in the enrolment process. The firm has insured thousands of individuals and businesses worldwide. Its leadership team has a hundred years of combined experience in insurance and risk management.

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 (36)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
New Jersey
  • Individual Plans
  • Health Insurance
  • Life Insurance

Why choose this provider?

Licato Insurance Agency caters to personal and commercial clients in New Jersey. It offers life insurance plans for individuals and families. It carries a wide range of personal risk management solutions for homes, apartments, cars, motorcycles, antiques, and valuable articles. For businesses, it provides general liability, business interruption, workers' compensation, and professional liability insurance. It also assists with umbrella insurance policies. Licato Insurance Agency is headed by Frank P. Licato, who has been an independent insurance agent since 1962.

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 (52)

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
New Jersey
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cedar Risk Management caters to clients of New Jersey who need life insurance policies. These products include personal and group benefits options that protect the families of breadwinners in the event of death or disability. The agency has pet assurance selections and contracts for business owners and boating enthusiasts. Cedar Risk Management is led by president Jarrett Farrell has been an insurance practitioner since 2001. He shifted to the industry after dabbling in sports medicine and orthopedics.

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 (25)
Facebook
5.0 / 5 (24)
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

Website
New Jersey
  • Life Insurance

Why choose this provider?

Nottingham Insurance is a family-owned, independently operated agency serving the people of New Jersey. For over 100 years, the company has been helping families prepare for the unexpected by tailoring life insurance solutions for individuals and groups. Its agents also furnish policies that cover personal articles, automobiles, dwellings, and pets. Additionally, they specialize in creating risk management plans for breweries, taprooms, and distilleries. Nottingham Insurance has Certified Insurance Counselors and Accredited Advisors in Insurance on staff.

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
4.9 / 5 (159)
Facebook
4.8 / 5 (42)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
New Jersey
  • Health Insurance
  • Life Insurance

Why choose this provider?

Tim Crosby is an insurance agent that works for State Farm. He aids clients in New Jersey with their insurance needs by offering life policies that include coverage for their specific needs. He also retails insurance for health and pets. Policies for autos and other personal articles, as well as condominiums, renters', and homeowners', are available. Additionally, Crosby helps clients with matters that involve annuities and banking. The agent is able to assist the Spanish-speaking community.

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 (60)
Facebook
5.0 / 5 (13)
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

Website
New Jersey
  • Long Term Care
  • Whole Life Insurance

Why choose this provider?

Puharic and Associates, Inc. serves the insurance needs of residents and small business owners in New Jersey. Its team processes a selection of personal protection plans, helping individuals and families obtain life insurance. The independent full-service company writes personalized term and whole life coverages to protect beneficiaries' future in case of policyholders' unexpected death. It also provides personal umbrella, health, and auto insurance. In addition, Puharic and Associates offers asset management and estate planning solutions.

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 (29)
Facebook
5.0 / 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

Website
New Jersey
  • Life Insurance

Why choose this provider?

Morgan Financial Services is a New Jersey-based, family-owned insurance agency that caters to individuals and families. It provides life insurance that grants a death benefit or a sum of money to designated beneficiaries. Its available life insurance products include group life, final expense, second-to-die policy, long-term care, and universal life. The company also offers annuity coverage, which can be a source of income post-retirement. Morgan Financial Services has more than two decades of insurance sales experience.

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 (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
New Jersey
  • Term Life Insurance
  • Health Insurance
  • Life Insurance

Why choose this provider?

Atlantic Insurance Services is a family-owned company that has been catering to clients in New Jersey since 1983. It aims to preserve financial security for family members through its life insurance products. It also provides personal coverage for homeowners and automobiles. In addition, the agency safeguards small and large businesses through commercial policies that cover employment practice liabilities and workers' compensation. Atlantic Insurance Services addresses customers' needs by utilizing a management system to answer questions remotely and respond to requests within minutes.

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
4.6 / 5 (11)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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.

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