For When the Unexpected Happens

Life insurance

Why do I need it?life insurance for NJ & PA

You don’t if you’re independently wealthy, have no debt, no young kids and have enough assets to take care of your loose ends when you cross over.

OK, what if I do?

You have a few choices. Everyone is different and has different needs at different stages of their life. I can help guide you to what may be best for you!

What are my Choices

  • TERM LIFE – Great for when you have a family to protect, young kids, mortgage, bills and student debt. These circumstances will not last forever and neither should your Life policy
  • PERMANENT LIFE – Just what the name implies. Lasts until it is needed. Younger people like it for building cash equity and older folks for covering end-of-life expenses.
  • TERM to PERM – Gives you a larger amount of Term Life for a number of years then turns into a smaller permanent policy. Great when you have kids, debt etc…

Disability Insurance

What is it?disability insurance because life happens

It pays you up to 60% of your regular income if you can’t work because of an illness, injury or pregnancy. You can get coverage through an employer or buy it from an insurer like me.

Disability is a fully customizable product that can be designed uniquely for you.

Life happens, are you prepared?

Who needs it?

  • Self Employed & 1099 Employees
  • Small Business Owners
  • Head of Households
  • If you have a Mortgage
  • If your paycheck is your sole source of income

What are my choices?

  • SHORT TERM Coverage – typically 6 months to 2 years
  • LONG TERM Coverage – until age 67
  • YOUR OCCUPATION – if you can’t work your current professional occupation
  • ANY OCCUPATION – if you can’t work at any job


Get in Touch Today!