The top-rated life insurance agent in Monroe Township, New Jersey is Shilpa Rathi - State Farm Insurance Agent, rated 4.9 stars across 450 reviews. Other highly rated options include Raina Rauf: Allstate Insurance, Gary Hughes - State Farm Insurance Agent, Vasilakis Insurance Agency. This directory lists 12 life insurance agents serving Monroe Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shilpa Rathi - State Farm Insurance Agent | 211 Applegarth Rd Ste 105 | (609) 400-5958 |
| 2 | Raina Rauf: Allstate Insurance | 350 Applegarth Rd | (609) 655-4300 |
| 3 | Gary Hughes - State Farm Insurance Agent | 157 Prospect Plains Rd | (609) 655-3300 |
| 4 | Vasilakis Insurance Agency | 400 Spotswood Englishtown Rd Ste B | (732) 202-6475 |
| 5 | Robert L Modell Clu Agency | 10 Whitehall Rd | (201) 877-4285 |
| 6 | New York Life | 2 Robert Ct | (732) 641-2772 |
| 7 | Allstate Personal Financial Representative: Vijay Deshpande | 350 Applegarth Rd | (609) 655-4300 |
| 8 | New York Life Insurance Company | 40 Starlight Dr | (732) 398-9230 |
| 9 | Prudential | Ron Sgro | Life Insurance & Financial Services | 9 Julia Dr | (732) 561-2946 ext. 7453 |
| 10 | Health Plan Advisor LLC | 163 Cobblestone Blvd | (973) 594-0261 |
Shilpa Rathi - State Farm Insurance Agent serves the Monroe Township, New Jersey area, offering life insurance policies designed to provide financial protection for local families and individuals. As a life insurance agent, the company helps clients understand coverage options that can address future needs such as income replacement or final expenses. Policies are tailored to different stages of life and can be integrated into broader financial plans. The agency specifically handles term life insurance for temporary coverage needs and whole life insurance for lifelong protection with cash value accumulation.
Raina Rauf: Allstate Insurance provides a range of personal insurance solutions, including life insurance policies designed to help protect families and individuals against financial uncertainty. The agency assists clients in reviewing their existing coverage and exploring policy options that fit their long-term financial goals. Ongoing support is available for policy adjustments, claims filing, and beneficiary updates as life circumstances change. The company serves single-family homes, apartments, retail establishments, and restaurants throughout Monroe Township, New Jersey.
Gary Hughes’s agency in Monroe Township, New Jersey, serves local homeowners, renters, and small business owners seeking life insurance protection. The agency helps clients understand term and whole life policies, offering guidance on coverage amounts and beneficiaries. For property managers and families in the Monroe area, it also coordinates auto, home, and health insurance options to create cohesive plans. Additional service areas include neighboring communities such as Jamesburg and sections of Middlesex County, ensuring convenient access for residents throughout the region.
Serving Monroe Township and the surrounding communities of central New Jersey, the Vasilakis Insurance Agency handles life insurance policies for local families and individuals. It assists clients with planning for future financial security and income replacement. The agency works to clarify available coverage options. To manage a typical case, a personal review of the client’s current needs and long-term responsibilities is conducted first, followed by presenting straightforward plan comparisons.
In Monroe Twp, NJ, Robert L Modell Clu Agency offers clients the choice between a one-time policy review or an ongoing relationship for coverage adjustments as life circumstances shift. The firm provides term, whole, and universal life insurance to address both short-term financial obligations and long-term estate needs. As a local life insurance agent, it assists with policy selection and beneficiary designations for individuals throughout the area. Services are available on either a one-time or as-needed basis, depending on client preference.
As Monroe Township families begin planning for the new year, ensuring financial protection is a common priority. New York Life addresses this local need by offering personalized life insurance agent services in the area. They guide individuals through policy options designed for long-term security. Their straightforward approach focuses on understanding each client’s unique circumstances first. An initial comfort is gained through a complimentary consultation, where an agent reviews household coverage needs and existing plans. This process begins with a simple in-person or phone discussion to evaluate current protections.
As a life insurance agent, Vijay Deshpande in Monroe Township assists clients in selecting term, whole, and universal life policies tailored to individual financial goals. This Allstate representative also guides customers through the broader process of aligning coverage with long-term needs, such as estate planning or income replacement. Many families and individuals turn to him for help evaluating their options during major life events, including the start of a new job or the purchase of a home. He is available to review policies before the end-of-year open enrollment period.
New York Life Insurance Company provides life insurance and financial protection services to individuals and families in Monroe Township, New Jersey. Its agents assist clients with policy selection, including term or whole life options, to meet long-term security needs. The company serves residential properties as well as local commercial sectors such as offices, warehouses, and food service establishments.
Serving residents of Monroe Township, New Jersey, this agency provides personalized life insurance planning to help protect families and individuals. Commercial coverage was also made available for local businesses seeking to safeguard their operations and key personnel. The service area extends throughout Middlesex County and the surrounding central New Jersey communities. Each client’s policy is carefully reviewed to match their evolving needs and financial goals. Follow-up consultations are regularly offered between annual visits to adjust coverage or address new questions as circumstances change.
Health Plan Advisor LLC is known for helping individuals and families in Monroe Township, NJ, navigate the options for life insurance coverage. Its service range includes assessing client needs to match term, whole, and universal life policies that provide financial protection for beneficiaries. The company guides clients through the application process and explains policy features such as cash value accumulation and death benefit structures. To address specific planning needs, it can also incorporate final expense life insurance policies into a comprehensive strategy.
What Does a a Life Insurance Agent in Monroe Township Cost?
The cost of life insurance in New Jersey varies by age, health, and policy type. A healthy 35-year-old might pay 20 to 40 dollars per month for a 20-year term policy with 500,000 dollars in coverage. Whole life policies typically cost 100 to 300 dollars per month for similar coverage. Costs can be higher for older applicants or those with medical conditions. This is general information and not insurance advice.
About life insurance agents in Monroe Township
Life insurance agents in Monroe Township, New Jersey help residents find coverage that fits their needs and budget. New Jersey law requires agents to hold a valid state license and follow strict disclosure rules. Local agents can explain how state regulations affect policy options and beneficiary designations.
Frequently Asked Questions
What types of life insurance are available in Monroe Township?
Agents in Monroe Township 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 to get life insurance in New Jersey?
Many policies require a medical exam, but some no-exam policies are available for smaller amounts. New Jersey law allows insurers to request medical history and lab results. Your agent can help you find a policy that matches your health status.
How does New Jersey regulate life insurance agents?
New Jersey requires life insurance agents to complete pre-licensing education and pass a state exam. Agents must also complete continuing education every two years to renew their license. The New Jersey Department of Banking and Insurance oversees all agent activities.
Life Insurance Agents in Other New Jersey Cities
Bayonne · Bloomfield · Brick Township · Bridgewater · Cedar Grove · Cherry Hill Township · Chester · Cinnaminson · Clark · Clifton · Colts Neck · Cranford · Dover · East Brunswick · East Hanover