Life Insurance Quote Forms
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Life Insurance Information
Low Cost New Jersey Life Insurance
Personal service, low rates and expert advice you deserve...
There are several ways to save money in New Jersey, but there is only one way to save money on Life Insurance. The Giovanetti Agency offers professional advice at an internet price! A NJ Life Insurance agent can provide you with a fast free no-obligation price comparison with over 20 Life Insurance companies we represent. We compare quality insurance at great rates so you get the most affordable Life Insurance options available in New Jersey.
It doesn't matter if you are in perfect health or have some pre-existing health issues, we work hard to find you the best rates available in New Jersey for your personal circumstances. We compare the rates of multiple, reliable companies and can give you a free quote immediately via email, or over the phone. Call us today at 856-234-1190 to speak with one of our N.J. Life Insurance professionals. You may also fill out our quick quote contact form and an agent will contact you to see how much you can save in the Garden State!
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.