The top-rated life insurance agent in East Hanover, New Jersey is James Semko - State Farm Insurance Agent, rated 4.9 stars across 314 reviews. Other highly rated options include DeStefano Insurance Agency, Tim Crosby - State Farm Insurance Agent, Kam K Yuen LLC - Golden Insurance Services. This directory lists 17 life insurance agents serving East Hanover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | James Semko - State Farm Insurance Agent | 434 Ridgedale Ave #9 | (973) 884-2300 |
| 2 | DeStefano Insurance Agency | 460 Ridgedale Ave Suite 4 | (973) 797-2500 |
| 3 | Tim Crosby - State Farm Insurance Agent | 50 NJ-10 Ste 2F | (862) 701-5400 |
| 4 | Kam K Yuen LLC - Golden Insurance Services | 36 NJ-10 A | (862) 812-5359 |
| 5 | Farmers Insurance - Klajd Gazulli | 470 Ridgedale Ave | (973) 585-6559 |
| 6 | Family First Life Tri-State | 120 Eagle Rock Ave #210 | (973) 243-0809 |
| 7 | Prudential Insurance Co | 383 Ridgedale Ave | (973) 834-8162 |
| 8 | Vidal Insurance Agency | 422B Ridgedale Ave | (973) 428-8200 |
| 9 | S&P Insurance Agency | 8 Dogwood Ln | (973) 515-4434 |
| 10 | Prudential | Jeremy Caparas | Life Insurance & Annuities | 120 Eagle Rock Ave | (973) 560-4000 |
James Semko - State Farm Insurance Agent serves the East Hanover, New Jersey, area as a provider of life insurance protection. The agency helps local residents evaluate term and whole life policies to fit their financial goals and family needs. Policies can provide income replacement and mortgage coverage upon the agent's client's passing. Clients also receive guidance on beneficiary designations and policy riders for added flexibility. The office handles annuities and final expense life insurance for East Hanover households.
DeStefano Insurance Agency, based in East Hanover, NJ, provides life insurance policies designed to offer financial protection for individuals and their beneficiaries. Its agents assist clients in understanding different policy options, including term and permanent coverage, and help tailor plans to meet specific long-term needs. The agency typically offers ongoing policy reviews and support for adjusting coverage as life circumstances change. Its clients include residents of single-family homes, apartment dwellers, local retail businesses, and restaurant owners who seek to secure their families or business interests with appropriate life insurance solutions.
Servicing homeowners, renters, and small business owners in East Hanover, this agency provides life insurance policies designed to help protect families from financial hardship. Agents work with clients to review term or whole life options that can cover mortgage obligations or children’s education needs. They also assist with auto, home, and health insurance through State Farm. The office offers complimentary policy reviews to help adjust coverage as circumstances change. Additional service areas include the neighboring communities of Hanover Township and the greater Morris County region.
Serving East Hanover, New Jersey, and its surrounding communities, Kam K Yuen LLC - Golden Insurance Services handles a range of life insurance policies designed to provide financial protection for families and individuals. The company works with clients to assess their coverage needs and explain policy options. A typical job is managed by gathering relevant personal information, reviewing available plans from different carriers, and presenting clear recommendations tailored to the client's specific situation and budget.
Farmers Insurance - Klajd Gazulli in East Hanover, NJ, assists clients with life insurance coverage, offering both term policies for temporary protection and permanent policies for lifelong benefits with a savings component. Each option can be tailored to suit individual financial goals and family needs in the local area. Service is provided on a one-time consultation basis, with scheduled follow-ups available as needed for policy updates or adjustments.
Family First Life Tri-State, based in East Hanover, New Jersey, specializes in helping clients secure term and whole life insurance policies. It also offers general guidance on building long-term financial protection through coverage that meets individual needs and budgets. The agency serves local families and individuals seeking to safeguard their income and provide for dependents. It particularly assists clients during major life transitions, such as reviewing and updating a policy after the birth of a child.
As homeowners and families in East Hanover prepare for the changing seasons, many seek to safeguard their household's financial future. Prudential Insurance Co in East Hanover, NJ offers life insurance agent services to address such needs. Their agents provide guidance on policies that can help replace lost income or cover final expenses. Protecting loved ones from unexpected hardship is the primary focus of this work. An initial consultation typically involves a review of your existing coverage and financial goals to determine the appropriate insurance plan for your situation.
Vidal Insurance Agency provides life insurance guidance and policy placement services to individuals and families in East Hanover, New Jersey. The agency also specializes in supplemental coverage options, helping clients navigate term and permanent life policies that align with their long-term financial goals. Beyond personal insurance solutions, the company extends its expertise to commercial clients, including those operating offices, warehouses, and food service establishments requiring business continuity protections and key person coverage.
S&P Insurance Agency serves residential clients in East Hanover, New Jersey, helping them secure life insurance policies tailored to personal financial circumstances. The agency also offers commercial coverage for local businesses seeking key-person or buy-sell life insurance arrangements. Operating throughout the East Hanover area, they guide individuals and business owners through policy options and applications. Between regular visits, clients can follow up with the agency for adjustments to coverage or to address beneficiary updates.
Prudential | Jeremy Caparas | Life Insurance & Annuities in East Hanover, NJ is known for helping clients secure financial protection for their families. It offers a range of life insurance options, including term and permanent policies, to address long-term planning needs. Annuities are available to provide steady income streams during retirement. The agency also assists with evaluating coverage amounts based on individual goals and budgets. For those seeking additional security, it specializes in adding long-term care riders to life policies.
What Does a a Life Insurance Agent in East Hanover Cost?
The cost of a life insurance policy in New Jersey varies by age, health, coverage amount, and policy type. For a healthy 35-year-old, a 20-year term policy with $500,000 in coverage might cost between $25 and $40 per month. Whole life policies are more expensive, often starting at $100 per month. Costs are higher for older applicants or those with health conditions. This is general information and not insurance advice.
About life insurance agents in East Hanover
Life insurance agents in East Hanover, New Jersey help residents choose policies that meet their financial goals. New Jersey law requires insurers to offer a free look period of at least 10 days on new life insurance policies. Local agents can guide you through options like term life, whole life, and universal life insurance tailored to your needs.
Frequently Asked Questions
What does a life insurance agent in East Hanover do?
A life insurance agent helps you compare policies from different carriers, explains coverage options, and assists with the application process. They can also help you update beneficiaries or convert a term policy to permanent coverage.
How do I choose a life insurance agent in East Hanover?
Look for an agent licensed in New Jersey with experience in the type of coverage you need. Check their credentials and read client reviews. You can also ask about their familiarity with New Jersey insurance regulations.
Do I need life insurance in New Jersey?
Life insurance is not required by law in New Jersey, but it is recommended if you have dependents or debts. New Jersey has a high cost of living, so a policy can help cover mortgage payments, education costs, and final expenses.
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