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Life Insurance

Life InsuranceLife insurance Protects…

Life insurance is primarily used to protect the insured’s family’s lifestyle by providing financially for love ones in case of early death or for  benefits in case of long life.

Everyone knows the importance of Life Insurance. How it can provide financial security for your family is case of death. However, everyone does not acknowledge the negative financial impact to their family’s budget and lifestyle if their income was no longer available. Equally, we need to acknowledge the negative financial impact caused by the loss of a stay-at-home parent.

Life insurance is not required by state of federal laws or any lending institution and is purchased for ‘when there is a loss’. Since it is not required by law or mandated by an industry, it is the least purchased. You may or may not have an auto accident or a fire or other covered losses at home but everyone will die someday. Life insurance is for ‘when’ this happens. Life insurance helps full the financial void created after the death of a love one, helping survivors maintain their standard of living.

Many people purchase life insurance to help protect their families should they die prematurely. The financial loss could be both immediate and long term. We have an extensive listing of top rated insurance carriers capable of meeting your immediate and long term needs while operating within your declared budget.

Check out how the federal government answers the question of ‘What You Should Know About Buying Life Insurance’. Download the 8 page document prepared by the U.S. Department of Agriculture, American Council of Life Insurers. This is an excellent introduction to understanding life insurance.

Your current health or having been previously declined by another insurer should not discourage you from applying for the life insurance protection you need for your family. We represent life insurance carriers who offer Simplified Issue and Guaranteed Issue whole life insurance policies. These policies do not require routine medical examinations, bodily fluids testing, physician’s statements or personal history interviews.

There are basically two types of life insurance:

  • Term insurance which provides pure death benefits protection for a specific time period such as 5, 10, 15, 20 years or more and generally is less expensive.
  • Whole life insurance or Permanent life insurance which provides death benefit protection for the life of the insured and cash value accumulation.

We would love to prepare a needs analysis for you and then work with you to structure an insurance package to meet your needs that you can afford.

Our process is to have a single agent contact you. Once you contact Signature Quote, only one insurance agent will respond to your inquiry. We do not sell your contact information to other insurance companies therefore you will not receive calls from multiple insurance companies and agents. The single agent that responds to your inquiry will search the multiple insurance companies that we represent. That agent will search our list of highly rated insurance companies instead of you and present the best quote for your consideration.

Let us search the life insurance market for the best life insurance coverage at the best price that meets your needs…

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New Jersey Pennsylvania Life Insurance

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