Ensuring that the ones who depend on you are cared for if you pass away is the last gift you can provide. Life insurance is a way to protect the ones you love even if you are not there in body. At Five Star Insurance Agency in Fords, NJ, we are an independent insurance agency that works hard to provide our customers with personalized service. 

When should I buy life insurance?

Life insurance is less expensive when you are young and healthy. You probably don’t require life insurance until someone depends on you or if you buy a house. 

How much life insurance do I need?

Life insurance is not one size fits all; it depends on many things, including your income, who relies on your income, and how many years they will need you to provide for them. By using these criteria, you should be able to come up with a basic amount of life insurance that you should have. 

Do I need to get a physical exam to buy life insurance?

You don’t always need a physical exam to buy life insurance. However, you will have fewer options, and the prices will likely be much higher. For the best choices, it is best to get a physical exam.  

When is term life a good option?

When you purchase term life insurance, it is strictly for the death benefit. It is the least expensive way to buy a large quantity of life insurance, which you may need if you have a young family you are providing for. It doesn’t have any cash value, and it is gone at the end of the term. 

Call us at Five Star Insurance Agency in Fords, NJ, where you can discuss your life insurance needs.