Products / Services
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1 ---- Final Expense / Burial Insurance - geared to people ages 50 - 85;
younger ages can apply also!
- permanent (i.e., lifetime) coverage to cover burial costs, etc..
- products for persons with SEVERE health conditions [AIDS,
Cancer, etc.] available -
NO HEALTH QUESTIONS on application!
Ages 50 - 85 ONLY in New Jersey!
Ages 0-80 in New York!
- products for people of moderate to good health available also
SIMPLIFIED / EASY issue - these include health questions on
the application, and have lower rates than the
policies referred to above.
Ages 0 - 85
- NO EXAM required for ANY final expense / burial coverage.
- COST never goes UP, and BENEFIT never goes DOWN.
(In certain cases, benefit actually increases.)
- FAST approval / issue of policy (generally, ~5 days from receipt
of application by company).
2 ---- 'General' Life Insurance - fully underwritten
- term, universal, and whole life.
- persons 0 - 80 years old may apply.
- family coverage available.
- coverage may or may not require exam;
exams free, if needed.
3 ---- Mortgage Protection
- term and universal life coverage
[to protect mortgages in event of death].
- personal disability to protect income if sick or
injured.
- coverage may or may not require exam;
exams free, if needed.
4 ---- Personal Disability Coverage
- receive monthly income if you cannot work due
to illness or injury.
5 ---- Payroll Deduction insurance products for your company
- NO COST to employer.
- life / disability / critical illness
coverage.
- employees participate voluntarily, through
payroll deduction.
Companies
NJ - INDIVIDUAL SALES:
TransAmerica Life,
Assurity Life,
AIG (i.e., American General Life),
Baltimore Life,
Gerber Life,
Columbian Life,
United Home Life,
Liberty Bankers Life (d/b/a Capital Life in New Jersey),
Nationwide,
Savings Bank Life, and
Mutual of Omaha (d/b/a United of Omaha in NJ).
NY - INDIVIDUAL SALES:
AIG (d/b/a US Life in the state of New York),
Nationwide,
Gerber Life, and
Mutual of Omaha (d/b/a Companion Life in NY).
Companies for group PAYROLL DEDUCTION insurance:
American Heritage (i.e., All State),
TransAmerica Financial, and
Assurity Worksite.
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