Products / Services
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Accident coverage
- pays tax - free money to you if you are treated for any accident;
fall / cut / auto / etc.
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.
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 40 - 85 ONLY!
- products for people of moderate to good health available also
(these include health questions on the application). These
have lower rates than the policies referred to above.
- 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).
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.
Personal Disability Coverage
- receive monthly income if you cannot work due
to illness or injury.
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, and
United Home Life.
NY - INDIVIDUAL SALES:
US Life (i.e., AIG in the state of New York) and
Gerber Life.
Companies for group PAYROLL DEDUCTION insurance:
American Heritage (i.e., All State),
TransAmerica Financial, and
Assurity Worksite.
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(Please also see the "About Me" and "Contact Me" links above.)
