The top-rated life insurance agent in Rutherford, New Jersey is Dan Meredith Agency, LLC: Allstate Insurance, rated 4.8 stars across 40 reviews. Other highly rated options include Susanne Godau - State Farm Insurance Agent, Raphael & Associates, John Depaola Agency. This directory lists 12 life insurance agents serving Rutherford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dan Meredith Agency, LLC: Allstate Insurance | 50 Union Ave | (201) 355-8090 |
| 2 | Susanne Godau - State Farm Insurance Agent | 16 Park Ave | (201) 635-1100 |
| 3 | Raphael & Associates | 301 NJ-17 | (800) 466-9165 |
| 4 | John Depaola Agency | 422 Pascack Road | (201) 804-7747 |
| 5 | Maiello & Manzi Insurance Agency | 28 Elizabeth St | (201) 991-0028 |
| 6 | Dave Meredith Insurance Agency | 90 Park Ave | — |
| 7 | Rutherford Insurance Agency | 83 Meadow Rd | (551) 365-1843 |
| 8 | North East Insurance Agency | 301 NJ-17 #800 | (973) 866-5821 |
| 9 | Berkley Luxury Group | 301 NJ-17 N, Suite 900 | (201) 518-2500 |
| 10 | All Star Insurance LLC | 301 NJ-17 | (201) 438-3570 |
Dan Meredith Agency, LLC: Allstate Insurance serves clients throughout Rutherford and Bergen County, specializing in life insurance agent services. They help individuals and families secure financial protection through personalized policy options. Their work focuses on assessing coverage needs and explaining plan benefits. In this area, the agency handles term life insurance and final expense insurance, offering straightforward guidance on both products.
Susanne Godau - State Farm Insurance Agent in Rutherford, NJ, provides a range of life insurance services, including term and whole life policies designed to offer financial protection for families. The agency assists clients in reviewing their coverage needs and adjusting plans as life circumstances change. Regular policy reviews help maintain appropriate benefit levels for each household. Its service approach includes guidance on selecting beneficiaries and understanding policy terms. This agency services a variety of properties, such as single-family homes, apartments, retail locations, and restaurants.
Residents and business owners in Rutherford who seek life insurance guidance can turn to Raphael & Associates. It offers assistance with term, whole, and universal life insurance policies, helping clients plan for long-term financial security and family protection. The agency also provides support for final expense coverage and income replacement planning. Additionally, Raphael & Associates extends its services to neighboring communities throughout Bergen County, including Lyndhurst and North Arlington, ensuring convenient access for local families.
The John Depaola Agency in Rutherford, NJ helps clients differentiate between one-time policy purchases and recurring premium payments when securing life insurance. Coverage offerings focus on protecting families from financial hardship after a loss. Services address individual needs for term or permanent policies, assisting with calculations for appropriate benefit amounts. Consultations and policy management are provided on a scheduled basis, with additional support available for claims or adjustments on an as-needed basis throughout the life of the contract.
Serving Rutherford, New Jersey, and the surrounding communities in Bergen County, Maiello & Manzi Insurance Agency handles life insurance policies for local residents. The agency focuses on helping clients assess their coverage needs to protect their families and finances. For each typical case, it takes a consultative approach by first reviewing a client’s personal situation and financial goals before presenting suitable term or whole life plan options.
As residents of Rutherford begin reviewing their family protections for the new year, Rutherford Insurance Agency assists with life insurance planning in the local area. The agency addresses common concerns about income replacement and final expenses through policy options tailored to individual life stages. They help clients understand term and whole life coverage during personal consultations. An initial fact-finding assessment is conducted to determine each applicant’s coverage needs before any policy discussion proceeds.
North East Insurance Agency works with clients in Rutherford, New Jersey, to secure life insurance coverage that helps protect families financially. This company specializes in helping individuals choose appropriate term and whole life policies. It further tailors coverage options to address estate planning needs and income replacement concerns. North East Insurance Agency serves a variety of commercial sectors, including office spaces, warehouses, and food service operations.
Based in Rutherford, NJ, Berkley Luxury Group provides residential life insurance services to individuals seeking financial protection for their families. The company also offers commercial coverage options for local business owners with specific policy needs. Their service area covers Rutherford and surrounding communities throughout northern New Jersey. A dedicated agent helps families review existing coverage and adjust policies as life circumstances change. Clients are welcome to follow up between regular visits for policy questions or beneficiary updates.
All Star Insurance LLC, a life insurance agent in Rutherford, NJ, is known for guiding clients through the process of selecting appropriate coverage. Its service range includes term, whole, and universal life policies designed to provide financial protection for families and individuals. The firm assists with policy comparisons to match varying budgets and long-term needs. A specialty service it can add on is final expense insurance to help cover end-of-life costs.
What Does a a Life Insurance Agent in Rutherford Cost?
In New Jersey, term life insurance premiums for a healthy 35-year-old can range from $20 to $50 per month for a $500,000 policy. Whole life policies often cost $100 to $300 per month for similar coverage. Costs vary based on age, health, tobacco use, and policy type. This is general information, not insurance advice.
About life insurance agents in Rutherford
Life insurance agents in Rutherford, New Jersey help residents choose policies that protect their families and meet state requirements. New Jersey does not require life insurance by law, but agents can guide you on coverage amounts for income replacement and final expenses. Working with a local agent ensures you understand how New Jersey estate taxes may affect your beneficiaries.
Frequently Asked Questions
What types of life insurance do agents in Rutherford offer?
Rutherford agents typically offer term life, whole life, and universal life policies. Term life provides coverage for a set period, while whole life builds cash value over time. Universal life offers flexible premiums and death benefits.
Do I need a medical exam to get life insurance in New Jersey?
Many policies require a medical exam, but some no-exam policies are available for smaller coverage amounts. New Jersey agents can help you find a policy that matches your health status and budget. Exam results affect your premium rates.
How does New Jersey law affect life insurance payouts?
New Jersey has a two-year contestability period during which insurers can investigate misstatements on an application. After two years, the policy is generally incontestable. Beneficiaries receive death benefits free from state income tax, but estate taxes may apply if the estate exceeds the state exemption threshold.
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