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(973) 218-1902

  • Home
  • About Us
  • Life Insurance
  • Collectibles Insurance
  • Employee Benefits
  • Contact Us
Schedule A Review Call/Get Quote

Backed by giants

We  work with top-rated life insurance companies like TransAmerica, Lincoln, The Protective, Legal & General  America, Ameritas Life Insurance Corp., AAA Life, Principal, and  TruStage®. We've  streamlined the application process, our goal is to make the  process simple, easy, and accessible for all!

Schedule a review call

Apply for simple, affordable life insurance in minutes.

Simple from start to finish

Financial stability for their future

1 monthly payment. Peace of mind.

You can apply for term life insurance in just about  10 minutes. We offer flexible coverage options you can personalize to fit your budget and coverage needs. And most people don’t even need a  medical exam.

1 monthly payment. Peace of mind.

Financial stability for their future

1 monthly payment. Peace of mind.

Every  policy we offer includes level premiums, meaning your rate will never  increase during your term. It’s kind of like a monthly subscription that  promises your family financial protection in case something happens to  you.

Financial stability for their future

Financial stability for their future

Financial stability for their future

Owning  life insurance can help your family cover the big things—like the costs  of a mortgage, debt, and it can also replace your income. If you have  children or plan on starting a family, life insurance can also help  protect any future plans (like college) and help make sure your family can reach its ultimate goals.

Fast, straightforward application

Automated & simplified underwriting

Financial stability for their future

Our 100% online and hassle-free process makes it easy to apply. What  traditionally took weeks can now be done in minutes, so you can focus on  what matters. Most applicants don't even need a medical exam.

Automated & simplified underwriting

Automated & simplified underwriting

Automated & simplified underwriting

Our simplified underwriting process uses new technology and  predictive modeling to provide instant decisions, with no medical exams  for most people. When that isn’t possible, we’ve reduced the time you  wait from months to days.

Cancel anytime

Automated & simplified underwriting

Automated & simplified underwriting

You can cancel your policy anytime, with no cancellation fees.

2 Ways to get a quote or Apply

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Get a Quote & Apply Online In Minutes

Get a Quote & Apply Online In Minutes

Rather talk to someone? No problem, please click able to schedule a No Obligation Life Insurance review call with Christopher Lyons. Chris has been in the insurance industry for over 20 years, and will gladly help you!

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Get a Quote & Apply Online In Minutes

Get a Quote & Apply Online In Minutes

Get a Quote & Apply Online In Minutes

Please click above to get a quote and even apply online!

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COVID-19 & Life Insurance

Get the facts on Coronavirus and Life Insurance

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Why Have Life Insurance?

Life insurance is not sexy. It’s not fun  to talk about and it’s definitely not a process anyone enjoys. However,  much like death and taxes, buying life insurance is an essential part of  life and a crucial element of sound financial planning. Most everyone  is aware that they need life insurance but, from my experience,  most people procrastinate until there is an important life event that  pushes them to buy it. However, there are some serious benefits to  buying insurance early on, especially if you have debt, are married or  planning on marriage, have or are planning on starting a family, or you  are a business owner.


How Does Term Life Insurance Work? Term life  insurance is quite simple—use it or lose it. In other words, you pay an  annual premium (determined by the insurance company) for the “term” of  the policy (usually 20 or 30 years) and if you die within those 20 or 30 years, your  beneficiary will collect the specified amount indicated on the policy.  For example, let’s assume you purchase a $1 million, 20-year term policy  and the premium is $600/year. Assuming you are current on your premium  payment, if you die within the 20-year period, your beneficiary will  receive $1 million, tax-free. 


How Does Whole Life Insurance Work? A whole life policy provides a set  amount of coverage for your entire life. As long as the premiums are  paid, your beneficiary will receive the benefit amount upon your death.  Whole life policies also build up "cash value" from part of the premium  being invested. It’s possible to access that cash value as the funds  grow.


Whole  life policies build up cash value slowly at first, but then pick up the  pace after several years, when your earnings start to grow faster than  your "mortality cost” (the cost of insuring you). At some point, the  cash value may eventually earn enough that it could be used to continue  to pay for your premiums until you die. Your insurer should be able to  provide you with a policy illustration to demonstrate the potential  growth of your policy.


Why Do You Need Life Insurance? One of the most  fundamental questions you should ask yourself when contemplating life  insurance is this: Will someone in my life be adversely effected (from a  financial standpoint) by my untimely death? This is different from  “Will someone be sad by my untimely death?” I will be sad. But I do not  want to assume your financial liabilities.


  • If You Were To Die Tomorrow, Who Would Assume Your Debt?  If you own a home, a business, or have personal liabilities, someone  else will become responsible for those liabilities (generally your next  of kin). Therefore, your spouse, your parents or your siblings could end  up having to pay your debts after the good Lord takes you.
  • Do You Have Children? Guess what? If you have kids  and you don’t have life insurance, you may have put your entire family  at risk. I know that seems a bit harsh but it is a potential reality.  Enough said on that.
  • Are You A Business Owner? What would happen to  your business if something were to happen to you? Do you have a  succession plan? If you a business owner and do not have a succession  plan, speak to a financial advisor to get you on track to help you  create one. This could mean purchasing some type of insurance product  and creating some documents determining who would inherit your business  and its assets and liabilities.

How Much Insurance Do You Need? This is not an easy  question to answer and everyone is different. First, it depends on the  variables I mentioned above. It also depends on your age, your sex (men  are generally more expensive to insure than women), and how much  insurance you can afford. The general formula used by insurance agents  is somewhere between 7-10 times your annual salary. For example, if you  make $100,000/year, you should consider buying somewhere between  $700,000 to $1,000,000 of insurance. That being said, if your life is  complicated (kids, business, lots of debt), you should probably look to  increase that amount. Again, consider seeking the advice of a financial  advisor who understands your financials before making this decision.

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