The top-rated life insurance agent in Ramsey, New Jersey is Randy Loyd - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Andrea DeBenedetto: Allstate Insurance, American Insurance Agency LLC, Key Group Benefits. This directory lists 10 life insurance agents serving Ramsey.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Randy Loyd - State Farm Insurance Agent | 145 N Franklin Tpke #333 | (201) 825-2100 |
| 2 | Andrea DeBenedetto: Allstate Insurance | 55 E Main St | (201) 327-5700 |
| 3 | American Insurance Agency LLC | 145 N Franklin Tpke | (551) 866-1741 |
| 4 | Key Group Benefits | 70 Hilltop Rd #2450 | (201) 604-2524 |
| 5 | Andrew Bruno Agency | 145 N Franklin Tpke #306 | (201) 818-4800 |
| 6 | Allstate Personal Financial Representative: Nadia Khalil | 55 E Main St | (201) 377-5739 |
| 7 | McCaughey Chambers Agency | 150 E Main St Suite C | (973) 476-4141 |
| 8 | Kristina Nash - Prudential Financial | 145 N Franklin Tpke | (201) 825-4887 |
| 9 | Travmark | 6 E Main St | (917) 842-2292 |
| 10 | Robin Chapman - Prudential Financial | Franklin square Professional building, 145 N Franklin Tpke Suite 206 | (201) 825-4887 |
Randy Loyd - State Farm Insurance Agent serves Ramsey and surrounding Bergen County, offering life insurance planning and related financial protection services. The agency works with local residents to evaluate coverage needs that address long-term family security. Clients in this area can discuss term life and whole life policy options with the agent. The office also assists customers with final expense insurance to help with end-of-life arrangements.
Andrea DeBenedetto: Allstate Insurance in Ramsey, NJ provides life insurance policies designed to address financial protection needs for individuals and families. Service plans include coverage options for income replacement, final expenses, and mortgage protection, helping clients prepare for long-term financial security. The agency assists families in reviewing policy options on a regular basis to maintain appropriate coverage levels. It services single-family homes, apartments, retail businesses, and restaurants.
American Insurance Agency LLC serves homeowners, renters, and small business owners in Ramsey, New Jersey, offering guidance on life insurance policies. The agency works with clients to assess their coverage needs, explaining term and whole life options to help protect families and financial futures. Appointments are available for personalized consultations at the local office. The agency also serves clients throughout Bergen County and the surrounding northern New Jersey metro area.
Key Group Benefits serves the Ramsey, New Jersey area and surrounding communities, helping individuals and families navigate life insurance options. It handles a range of term and permanent life policies designed to provide financial protection and estate planning support. The company focuses on matching each client’s unique needs with suitable coverage from standard carriers. It typically begins by reviewing the client’s current financial picture and long-term goals, then compares available plans to recommend a straightforward, personalized solution.
The Andrew Bruno Agency in Ramsey, NJ helps clients distinguish between single-purchase term policies and ongoing permanent coverage that builds cash value. As a life insurance agent, the agency guides individuals and families through policy selection to match their long-term financial goals. Local service focuses on explaining benefit structures and underwriting processes so residents can make informed decisions about death benefit protection. For those requiring policy reviews or beneficiary changes, appointments are arranged on an as-needed basis to accommodate each person’s immediate schedule without fixed recurring commitments.
Allstate Personal Financial Representative Nadia Khalil specializes in offering tailored insurance products and personalized financial guidance to individuals in the Ramsey area. She provides comprehensive life insurance coverage, including term, whole, and universal policies, as well as financial services addressing long-term planning needs. Her general work includes reviews of beneficiaries, policy adjustments, and coordinated risk management for families. As the holiday season approaches, many clients seek her assistance in updating their policies to ensure adequate coverage for new family milestones or large gifts.
As winter approaches in Ramsey, many families begin reviewing their financial protections. The McCaughey Chambers Agency helps local residents navigate the choice of life insurance policies that suit current needs and future goals. Clients can discuss term, whole, or universal options in a clear, patient manner. The initial step involves a complimentary facts-to-plan assessment, where an agent reviews existing coverage and personal objectives in a straightforward, no-obligation meeting.
As a life insurance agent, Kristina Nash of Prudential Financial works with individuals and families in the Ramsey area to secure financial protection for the future. She specializes in converting existing coverage into lifelong policies that offer stable premiums. Additionally, she advises on long-term care strategies and retirement income planning. Her agency provides term and whole life policies, helping clients cover medical or final expenses. This service reaches local offices, warehouses, and food service operations seeking benefits for their employees.
Travmark provides life insurance agent services to residential clients in Ramsey, New Jersey, also assisting local businesses with their commercial coverage needs. Serving Ramsey and the surrounding area, the company helps individuals and organizations assess their protection options. After an initial consultation, Travmark typically maintains contact with clients to review policy adjustments or changes in coverage, arranging follow-up meetings between regular scheduled visits to address any new needs that may arise.
Robin Chapman - Prudential Financial in Ramsey, NJ, is a local life insurance agent known for helping individuals and families select appropriate coverage. The agency’s service range includes term life, whole life, and universal life policies to address potential financial needs. Agents here work with clients to understand long-term goals and calculate suitable benefit amounts. They can also add a living benefit rider to a policy, allowing access to a portion of the death benefit while still alive if certain conditions are met.
What Does a a Life Insurance Agent in Ramsey Cost?
The cost of life insurance in New Jersey varies by age, health, and policy type. A healthy 35-year-old might pay between 20 and 50 dollars per month for a 20-year term policy with 500,000 dollars in coverage. Whole life policies cost more, often 100 to 300 dollars per month for the same coverage. Costs also depend on your specific medical history and lifestyle. This is general information, not insurance advice.
About life insurance agents in Ramsey
A life insurance agent in Ramsey, New Jersey can help you find a policy that fits your needs and budget. New Jersey requires life insurance agents to be licensed by the state Department of Banking and Insurance. Working with a local agent ensures you understand how New Jersey laws, such as the state community property rules, affect your policy.
Frequently Asked Questions
What license does a life insurance agent in Ramsey need?
In New Jersey, a life insurance agent must hold a valid insurance producer license from the New Jersey Department of Banking and Insurance. This license requires passing a state exam and completing continuing education courses every two years.
How do I choose a life insurance agent in Ramsey?
Look for an agent with experience in New Jersey insurance laws. Ask about the types of policies they offer, such as term or whole life. Check their license status on the New Jersey Department of Banking and Insurance website.
What is the free look period for life insurance in New Jersey?
New Jersey law gives you a free look period of 10 days after you receive your life insurance policy. During this time, you can cancel the policy for a full refund of any premiums paid. This period starts when you get the policy, not when you apply.
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