NJ Life Insurance Agent

Find the Right NJ Insurance Agent
and the Right Insurance Quote online
iQuote connects you with the right agent for you and the insurance you need. Whether you are looking for affordable:

•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.

Just tell us:

•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.

So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.

You won't be contacted by every agent on the Web
iQuote helps you locate a local insurance expert in New Jersey. We also protect your information. When you search for a insurance quote online with iQuote, you’ll hear from one New Jersey Insurance Agent who knows you and your area.

You tell us what you need. You choose how you'd like to be contacted. We find your local expert.


Understanding Life Insurance
The classic question about Life Insurance is "why do I need insurance if I'm dead?" The answer, of course, is that as a responsible person, you want to protect your family financially after you're gone. With that in mind, there are a variety of factors to consider when purchasing a Life Insurance policy including age, health and lifestyle as well as a variety of insurance types.

There are basically two types of Life Insurance – Term Life and several variations on Whole Life. There are a wide variety of options under these umbrellas including:

•20 year level term
•30 year level term
•High risk life insurance
•Low cost life insurance
•Annual renewable term
•Universal Life
•Guaranteed Universal Life
Your New Jersey Life Insurance agent will be able to provide a clear and understandable life insurance comparison of term vs. whole life insurance so you can find the most afforable life insurance for you.

Term Life
Term Life is among the most basic types of insurance and offers some of the most reasonable Term Life rates. A term policy is one you purchase for a price that pays out a specific amount to whomever you designate at a specific date or event, your death. This type of policy protects your family by providing a single payout to cover the expense of your funeral and possibly replace income after you've gone. Typically, a term insurance policy expires after a specific amount of time.

Whole Life
A Whole Life policy builds a savings account over time that you are allowed access to over the course of your life. As long as you keep paying your premiums on time, your rate will never change and your policy will not expire. Designed to be a stable and reliable investment, a Whole Life policy usually pays dividends you can use to lower your payments and offers tax-deferred accumulation.

Variable Life
A Variable Life policy follows a more aggressive strategy. Like Whole Life, it grows a savings account as you pay your premiums. It is designed to provide your beneficiaries a payout upon your death, but the final value of the account may vary based on the returns of the account.

Universal Life
Like Whole and Variable Life policies, a Universal Life Insurance policy allows you to grow a low-risk savings account with every premium you pay, but unlike the previous types, it also allows you flexibility in terms of the things that account is invested in. This provides the comfort of flexibility, but also a certain amount of unpredictability some buyers are not willing to take on.

Evaluating Your Life Insurance Needs
How much coverage do you need? The answer to this open-ended question is based on several variables, not the least of which is how you value the protection of your family.

The two most important questions to consider in terms of Life Insurance are:

•How much will my beneficiaries need?
•How much can I afford?
Factors your agent will take into account include your age, health, lifestyle and any expenses you expect to take on in the future including how many children you have, prospective college expenses and large home improvements you might have in mind.

That said, a basic rule of thumb is to consider an amount between two and eight times your current salary in coverage. It is important to take other factors like the rate of inflation and tuition increases into account, too. The more expenses or debt you have, the more coverage you should have. iQuote can help you find the New Jersey Insurance expert who is right for you.

Life Insurance FAQ
What is Life Insurance?
Simply put, Life Insurance is a product you purchase designed to protect the people who depend on your income in the event of your death. Coverage under a Life Insurance policy can range from a basic death policy to pay for your funeral expenses to a larger policy designed to cover lost income or expenses such as college tuition.

Who needs Life Insurance?
Some sales people will say everybody needs Life Insurance, but really, anyone who has a family or dependents who wants to make sure they don't leave debt behind for their loved ones, needs Life Insurance- it helps replace your income.

Term Life versus Whole Life – what is the difference?
In short, term life expires, whole life is an investment. See a more detailed explanation under Understanding Life Insurance.

How much is enough?
Generally speaking, people should have anywhere between two and eight times their annual salary in coverage. See Evaluating Your Needs for more details.

How much does it cost?
Cost of Life Insurance varies widely thanks to a large number of factors including state of residence, age, health, lifestyle and desired level of coverage. The agent we recommend for you will be able to guide you through the process and meet your needs affordably. Consumer Reports has said you need as much as 10 to 15 times your annual salary in total coverage.

What makes Life Insurance through iQuote different?
iQuote connects you with the right agent and the Life Insurance you need. Answer just a few short questions including how much you want to pay and we hand pick a local insurance expert who will contact you directly by phone, email or mail – your choice. We protect your information so you won't be contacted by every agent in the business. You'll hear from one New Jersey Agent who knows you and your area.