The top-rated life insurance agent in Lodi, New Jersey is Theressa Parra - State Farm Insurance Agent, rated 4.9 stars across 218 reviews. Other highly rated options include Luisa C Hernandez: Primerica - Financial Services, Costello & Associates, Farmers Insurance - Ilda Cartaxo. This directory lists 12 life insurance agents serving Lodi.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Theressa Parra - State Farm Insurance Agent | 121 S Main St Ste C | (973) 685-4900 |
| 2 | Luisa C Hernandez: Primerica - Financial Services | 300-2 NJ-17 #3 | (201) 776-3395 |
| 3 | Costello & Associates | 265 Union St | (973) 777-8333 |
| 4 | Farmers Insurance - Ilda Cartaxo | 244 Harrison Ave | (973) 546-7400 |
| 5 | Frank Dillon: Primerica - Financial Services | 89 US-46 | (862) 247-8162 |
| 6 | Primerica/ Carlos Salazar | 147 Main St #7 | (973) 272-2171 |
| 7 | Medicare Help - AIM Senior Advisors | 164 US-46 | (973) 470-8333 |
| 8 | PRIMERICA JESSE ANDUJAR | 300-2 NJ-17 #3 | (201) 203-4392 |
| 9 | SK & ASSOCIATES LLC | 325 Passaic Ave | (973) 471-0900 |
| 10 | Financial institution | 89 US-46 | — |
Theressa Parra – State Farm Insurance Agent serves the Lodi, New Jersey area and surrounding Bergen County communities, offering personal and commercial insurance solutions. As a local life insurance agent, this agency helps individuals and families plan for long-term financial security through tailored coverage options. Clients can discuss term life, whole life, or universal life policies to protect their loved ones. The office also assists with final expense coverage and income replacement strategies for working households.
Serving homeowners and families in Lodi, New Jersey, Luisa C Hernandez: Primerica - Financial Services offers life insurance agent services to help individuals protect their loved ones and financial futures. The company assists clients in evaluating coverage needs that align with their personal goals and household budgets. By focusing on long-term financial security, it helps customers navigate policy options suitable for various life stages. This life insurance agency also extends its support to residents in Hackensack and the broader Bergen County community in North Jersey.
Costello & Associates offers a full range of life insurance agent services for clients in and around Lodi, New Jersey. It guides individuals and families through options such as term and permanent policies, helping them secure financial protection for dependents and estates. The company supports these plans with regular policy reviews and beneficiary updates to ensure coverage remains aligned with changing life circumstances. Its work with properties includes service for homeowners, renters, small business owners in retail, and local restaurants needing key-person coverage.
Farmers Insurance - Ilda Cartaxo serves Lodi, New Jersey, and surrounding communities, handling life insurance policies for local residents. This agency works to help clients understand coverage options that protect families financially after an unexpected death. It assesses individual needs and budgets to recommend suitable term or permanent life insurance plans. For a typical job, the agency begins with a detailed consultation to review the client’s financial situation, then presents policy choices from various carriers and explains the application process clearly.
Serving Lodi, New Jersey, Frank Dillon: Primerica - Financial Services specializes in life insurance policies designed to protect families from financial disruption. The agency provides general financial services consultations to help clients assess their coverage needs and plan for long-term security. Assisting with term life products and related strategies, it guides individuals through the process of selecting appropriate benefit amounts. The business is particularly helpful during open enrollment periods or when a client experiences a major life change, such as marriage or the birth of a child, requiring an updated policy review.
Primerica/Carlos Salazar in Lodi, New Jersey provides both one-time policy purchases and ongoing coverage management for clients needing life insurance. Policy options are selected to match individual financial situations and family protection goals. Service is tailored to each customer's long-term needs, with regular reviews to adjust coverage as circumstances change. Appointments and policy service are available on an as-needed basis, with flexibility for clients to schedule meetings when they require assistance with their existing plans.
As Lodi residents review their coverage options during the Medicare Annual Enrollment Period, Medicare Help - AIM Senior Advisors provides guidance on life insurance products. The company serves local clients seeking to understand how a policy can supplement retirement or health care planning. They focus on explaining the differences between term and permanent policies in plain language. An initial appointment is scheduled to review a client’s current portfolio and assess their long-term financial goals.
Primerica Jesse Andujar provides life insurance solutions to residents in and around Lodi, New Jersey. Its specialty includes term life insurance policies designed to help families protect their financial futures. The agency focuses on personal consultations to match clients with appropriate coverage options. Commercial sectors it can serve include offices, warehouses, and food service operations, addressing the group insurance needs of those business environments.
SK & ASSOCIATES LLC serves Lodi residents with life insurance solutions, addressing both residential and commercial coverage needs across the local area. The company helps clients evaluate policies that protect families and businesses from financial uncertainty. Individual plans and group options are offered to meet diverse budgeting and planning requirements. The team provides thorough explanations of policy benefits and terms. After an initial policy is in place, SK & ASSOCIATES LLC follows up with clients to review coverage needs and make adjustments between regular service visits.
What Does a a Life Insurance Agent in Lodi Cost?
The cost of life insurance in New Jersey varies by age, health, and policy type. A typical term life policy for a healthy 35-year-old might cost between $20 and $50 per month for $500,000 in coverage. Whole life policies are more expensive, often starting at $100 per month. New Jersey residents may also pay a state premium tax of 2.1% on life insurance policies. This is general information, not insurance advice.
About life insurance agents in Lodi
Life insurance agents in Lodi, New Jersey help residents find policies that protect their families and meet state guidelines. New Jersey requires all life insurance agents to hold a valid state license and follow regulations set by the New Jersey Department of Banking and Insurance. Local agents can assist with term life, whole life, and universal life policies tailored to your needs.
Frequently Asked Questions
What license does a life insurance agent need in New Jersey?
In New Jersey, a life insurance agent must hold a valid life insurance producer license issued by the New Jersey Department of Banking and Insurance. Agents must complete pre-licensing education and pass a state exam.
How long does a life insurance application take in Lodi?
The application process can take from a few days to several weeks depending on the policy type and your health history. New Jersey law requires a free-look period of 10 days after you receive the policy.
Can a Lodi agent help with New Jersey estate planning?
Yes, many life insurance agents in Lodi work with clients to coordinate life insurance with estate plans. New Jersey does not have an estate tax for deaths after January 1 2018, but life insurance proceeds may still be subject to federal estate tax.
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