The top-rated final expense insurance agent in Union, New Jersey is David Roy - State Farm Insurance Agent, rated 4.8 stars across 111 reviews. Other highly rated options include State Farm Insurance Agent Max Smirnov, Clear Path Insurance Services, Tavares Insurance Agency. This directory lists 14 final expense insurance agents serving Union.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | David Roy - State Farm Insurance Agent | 530 Chestnut St Suite 102 | (908) 688-2051 |
| 2 | State Farm Insurance Agent Max Smirnov | 1051 Stuyvesant Ave. | (908) 810-0040 |
| 3 | Clear Path Insurance Services | 969 Stuyvesant Ave. #3 | (908) 955-8085 |
| 4 | Tavares Insurance Agency | 2086 Morris Ave | (908) 686-0404 |
| 5 | Allianza Insurance | 1191 Morris Ave | (908) 444-4067 |
| 6 | Insurance Associates Plus | 1523 Morris Ave | (908) 964-9010 |
| 7 | Ringler Insurance Agency | 2225 Morris Ave | (908) 688-0011 |
| 8 | American Union insurance agency | 2519 Audrey Terrace | (732) 426-1435 |
| 9 | Farmers Insurance-Leslie Perez Agency | 1915 Morris Ave 2nd Fl | (908) 686-8777 |
| 10 | Reuel Field: Primerica - Financial Services | 1767 Morris Ave | (973) 707-8345 |
David Roy - State Farm Insurance Agent serves Union, New Jersey, and the surrounding Union County area, specializing in final expense insurance policies to assist families with end-of-life costs. This agent helps clients manage pre-need planning by offering policies that cover funeral and burial expenses, reducing financial burden during difficult times. Policies are designed to provide straightforward benefits that can be used for final arrangements. David Roy also handles life insurance options that ensure families receive a lump-sum settlement for final bills and other associated expenses.
State Farm Insurance Agent Max Smirnov in Union, NJ, provides final expense insurance services, helping clients plan for end-of-life costs through straightforward policy options. The agency offers guidance on coverage amounts to suit individual needs, with personalized assistance for claims and policy adjustments. Policies are designed to cover burial expenses, outstanding debts, and other final costs. The agency serves single-family homes, apartments, retail, and restaurants.
Clear Path Insurance Services in Union, NJ assists seniors and families planning for their final expenses. The agency helps clients secure affordable burial and funeral coverage tailored to individual needs and budgets. Agents meet with customers in person to explain simple, guaranteed-issue life insurance policies that offer peace of mind. They clarify how these plans protect loved ones from unexpected end-of-life costs. The firm also serves nearby communities in Union County and the greater Newark metro area.
Tavares Insurance Agency serves Union, New Jersey, and the surrounding communities, handling final expense insurance for clients planning end-of-life arrangements. This coverage helps ensure families can manage funeral and burial costs without financial strain. The agency focuses on explaining policy options clearly, tailoring each plan to the individual’s budget and preferences. To complete a typical job, it works directly with clients to compare coverage levels, review beneficiary needs, and finalize a straightforward application that avoids unnecessary complexity.
Allianza Insurance specializes in helping families secure final expense insurance, offering policies that cover end-of-life costs such as funeral arrangements and unpaid medical bills. Operating in Union, New Jersey, the agency assists residents with understanding their coverage options, answering policy questions, and facilitating claims. It provides guidance through the process of selecting affordable and suitable protection for one’s final needs. For families with older or infirmed relatives, it helps ensure coverage is arranged before a health crisis prevents enrollment.
Insurance Associates Plus in Union, NJ, offers final expense insurance designed to cover funeral costs and outstanding end-of-life bills with a single, predetermined benefit, rather than health care services provided on a recurring schedule. Their focus is on helping residents secure affordable, accessible insurance for planning on a set one-time basis. The policy payout arrangement typically runs on a one-time basis, triggered upon the policyholder’s passing to provide immediate funds for their survivors.
As local families in the Union area plan ahead for end-of-life expenses, Ringler Insurance Agency provides final expense coverage designed to alleviate financial burdens on surviving loved ones. These policies typically cover funeral costs, outstanding medical bills, and other immediate debts, allowing clients to secure peace of mind. The agent works closely with each individual to explain available plan options and determine an appropriate benefit level based on personal needs and budget. The process begins with a no-obligation meeting to review the client's current situation and discuss coverage suitability.
American Union insurance agency arranges final expense coverage for residents of Union, New Jersey, ensuring policyholders receive burial and end-of-life benefits. This agency presents several plan options designed to settle outstanding debts and direct funeral costs. Claimants can typically access funds quickly with simplified underwriting. The agency serves both individuals and small business accounts requiring immediate settlement through funeral directors. Commercial sectors the agency advises include funeral home offices, crematory warehouses, and its associated food service vendors.
Farmers Insurance-Leslie Perez Agency in Union, NJ, provides residential final expense insurance services to help local families manage end-of-life costs. The agency also offers commercial coverage options for businesses in the surrounding area, serving clients throughout Union County. Their licensed agents focus on guiding customers through simple policy selections for burial and related expenses. After a policy is issued, they provide follow‑up service to adjust coverage when needs change, and they offer repeat service between regular visits to answer ongoing questions or process small updates.
Reuel Field: Primerica, based in Union, New Jersey, is known for helping local families arrange final expense insurance coverage. Its services include policies designed to cover funeral costs and other end-of-life expenses, providing straightforward financial protection. Working primarily with clients in the Union area, the company focuses on practical solutions for final arrangements. In addition to its core offerings, Reuel Field: Primerica can assist clients with enrolling in a living benefit rider to access policy funds before death if needed.
What Does a a Final Expense Insurance Agent in Union Cost?
In New Jersey, final expense insurance premiums vary by age, health, and coverage amount. A healthy 65 year old might pay $50 to $100 per month for a $10,000 policy. Older applicants or those with health conditions may pay higher rates. Costs also depend on whether the policy is guaranteed issue or simplified issue. This is general information, not insurance advice.
About final expense insurance agents in Union
A final expense insurance agent in Union, New Jersey helps residents secure coverage for funeral costs and outstanding debts. New Jersey law requires funeral homes to provide a detailed price list, making it easier to plan for these expenses. Working with a local agent ensures you understand state specific regulations and policy options.
Frequently Asked Questions
What does a final expense insurance agent in Union do?
A final expense insurance agent helps you compare burial insurance policies from different carriers. They guide you through the application process and explain how New Jersey insurance laws affect your coverage. The agent also assists with naming beneficiaries and understanding policy terms.
How much coverage do I need for final expenses in New Jersey?
The average funeral in New Jersey costs between $7,000 and $12,000 according to industry data. A final expense policy typically offers coverage from $5,000 to $25,000. Your agent can help you choose an amount that covers funeral costs plus any outstanding medical bills.
Are there age limits for final expense insurance in New Jersey?
Most final expense policies in New Jersey are available to people aged 50 to 85. Some carriers offer coverage up to age 90. Your agent can check which insurers accept your age group and health status.
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