The top-rated life insurance agent in Union, New Jersey is David Roy - State Farm Insurance Agent, rated 4.8 stars across 108 reviews. Other highly rated options include State Farm Insurance Agent Max Smirnov, Farmers Insurance - David Robbins, Clear Path Insurance Services. This directory lists 20 life 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 | Farmers Insurance - David Robbins | 2717B Morris Ave | (908) 557-5251 |
| 4 | Clear Path Insurance Services | 969 Stuyvesant Ave. #3 | (908) 955-8085 |
| 5 | Tavares Insurance Agency | 2086 Morris Ave | (908) 686-0404 |
| 6 | Allianza Insurance | 1191 Morris Ave | (908) 444-4067 |
| 7 | Insurance Associates Plus | 1523 Morris Ave | (908) 964-9010 |
| 8 | Annagard Insurance Agency | 397 Chestnut St Suite 6 | (908) 888-0120 |
| 9 | Karing Is Mutual LLC | 1575 Vauxhall Rd | (908) 468-7522 |
| 10 | Goosehead Insurance - Monique Perry | 2400 Morris Ave # 104 | (973) 954-9288 |
David Roy - State Farm Insurance Agent serves Union, New Jersey, and the surrounding area. As a life insurance agent, this office helps individuals and families plan for financial security and future needs. They offer various policies designed to provide income replacement and support for beneficiaries after a client’s passing. The agency also assists with retirement planning and managing final expenses. In this area, David Roy handles term life insurance policies and whole life insurance policies.
State Farm Insurance Agent Max Smirnov in Union, NJ, offers a complete range of life insurance services, including term, whole, and universal life policies. Service plans involve regular policy reviews to adjust coverage for life changes such as marriage or a new child. Maintenance plans include annual financial check-ins to align coverage with client goals. The agent serves properties as varied as single-family homes, apartments, retail stores, and local restaurants.
Farmers Insurance - David Robbins serves homeowners, renters, and small business owners in Union, New Jersey, with personalized life insurance policies designed to provide financial protection for families and their assets. The agency also offers guidance on term and whole life coverage, helping clients assess their long-term needs. Additional support includes periodic policy reviews to ensure adequate coverage as circumstances change. The agency extends its services to neighboring communities within Union County and the greater Newark metro area.
Clear Path Insurance Services serves Union, New Jersey, and surrounding communities, handling life insurance policies for individuals and families. Their work involves assessing a client’s financial situation to recommend suitable coverage amounts and policy types. They typically guide each client through the application process, which includes reviewing medical history and beneficiary designations. The company generally approaches each job by first consulting with the client to understand their long-term goals, then presenting policy options from multiple insurers for comparison.
Tavares Insurance Agency in Union, NJ, helps clients distinguish between term life policies, which provide coverage for a specified period, and permanent life insurance, which remains in force for the insured’s entire lifetime. As a life insurance agent, the agency assists individuals and families in selecting appropriate coverage amounts based on financial obligations and future needs, such as income replacement or final expenses. Service is arranged on a one-time, scheduled, or as-needed basis depending on the client’s policy review requirements.
As Union families consider their financial futures after the new year, securing adequate coverage becomes a priority. Allianza Insurance in Union, NJ, serves this need by helping clients navigate life insurance policies that align with household goals and long-term planning requirements. They work to explain policy options such as term or permanent coverage, matching solutions to individual circumstances. The process begins with a thorough consultation to assess current finances, dependents, and protection gaps during an initial fact-finding review.
Insurance Associates Plus specializes in term life, whole life, and universal life policies in Union, New Jersey, assisting clients in selecting suitable coverage based on personal financial goals. It also evaluates existing plans to ensure beneficiaries are properly protected. The company works with individuals to fill gaps in employer-provided life insurance or to address changing needs after major life events such as marriage or the birth of a child. During retirement planning, it helps policyholders weigh options for converting term coverage to permanent protection before premium rate increases take effect.
Located in Union, New Jersey, Annagard Insurance Agency focuses on life insurance, helping individuals and families secure financial protection for the future. The agency specializes in term and permanent policies designed to meet a variety of long-term planning needs. Its services are available to local businesses as well, including offices, warehouses, and food service establishments seeking coverage options for their personnel.
Karing Is Mutual LLC serves residential clients in Union, New Jersey, by helping individuals select appropriate life insurance policies for their families. The company also offers coverage options tailored to commercial clients who need to protect their business interests. Their service area extends throughout Union and the surrounding local communities. Following the initial policy enrollment, the agent schedules regular check-ins to review coverage needs and adjust plans as necessary, ensuring consistent follow-up and repeat service between these periodic visits.
Goosehead Insurance - Monique Perry in Union, NJ, is known for providing life insurance agent services to local residents and businesses. The agency helps clients evaluate and choose suitable life insurance policies that align with their financial needs and family protection goals. It operates within the broader Union community, offering guidance through the selection process. As a specialty service, it can add on assistance with reviewing existing coverage to identify potential gaps in protection.
What Does a a Life Insurance Agent in Union Cost?
Life insurance costs in New Jersey vary by age, health, and policy type. A healthy 35-year-old might pay $25 to $50 per month for a 20-year term policy with $500,000 in coverage. Whole life policies can cost $150 to $400 per month for similar coverage. Costs are higher for older applicants or those with health conditions. This is general information, not insurance advice.
About life insurance agents in Union
Life insurance agents in Union, New Jersey help residents choose policies that meet state requirements. New Jersey law does not require life insurance, but it is often needed for mortgage protection or income replacement. Agents can explain how state regulations affect policy options and beneficiary designations.
Frequently Asked Questions
What types of life insurance do agents in Union offer?
Agents in Union offer term life, whole life, and universal life policies. Term life provides coverage for a set period, while whole life builds cash value. Universal life offers flexible premiums and death benefits.
Do I need a medical exam for life insurance in New Jersey?
Many policies require a medical exam, but some no-exam policies are available. These policies often have lower coverage limits or higher premiums. An agent can help you find a policy that fits your health situation.
How does New Jersey law affect life insurance payouts?
New Jersey has a two-year contestability period during which insurers can deny claims for misrepresentation. After two years, the policy is generally incontestable. Beneficiaries must file claims with the insurance company to receive the death benefit.
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