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Life insurance

New Jersey residents looking to purchase life insurance should educate themselves on the life insurance situation in the state. New Jersey, like the rest of the country, has its life insurance industry regulated on the state level. This means that life insurance standards in New Jersey will be different than those in any other state, including neighbors New York and Pennsylvania.

Life Insurance Basics

What is Life Insurance?
Life insurance is an agreement between you (the insured) and an insurance company. Under the terms of a life insurance contract, the insurance company promises to pay a certain sum to someone (a beneficiary) when you die, in exchange for your premium payments.

What is an Annuity?
An annuity is a contract between you and an insurance company. Simply stated, you pay money to an annuity issuer, and the issuer pays out the principal and earnings back to you or to a named beneficiary. Life insurance companies first developed annuities to provide income to individuals during their retirement years..

from $29.00
Level of Protection: from $50.000 to $1.000.000
Grace Period: up to 60 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Payment of Benefits: monthly

Safe Life

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from $39.00
Level of Protection: from $50.000 to $1.000.000
Grace Period: up to 60 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Payment of Benefits: monthly
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Child's future

Life insurance provides peace of mind. If you die, your spouse and children can pay for your final expenses, outstanding debts, estate taxes, and even future expenses like education.
Life insurance can also provide income stability if it replaces your income and allows your family to stay in their home and maintain their lifestyle. According to the U.S. Department of Agriculture, the average cost of raising a child to age 18 is nearly $250,000. Life insurance can help provide for your children even after you are gone.

from $69.00
Level of Protection: from $50.000 to $1.000.000
Grace Period: up to 60 days
Hotline Assistance: 24-Hour
Policy Modification: Online
Payment of Benefits: monthly

We care about your child's future

Life insurance provides peace of mind. If you die, your spouse and children can pay for your final expenses, outstanding debts, estate taxes, and even future expenses like education.
Life insurance can also provide income stability if it replaces your income and allows your family to stay in their home and maintain their lifestyle. According to the U.S. Department of Agriculture, the average cost of raising a child to age 18 is nearly $250,000. Life insurance can help provide for your children even after you are gone.

References

What our Clients say?

Great customer service, and equally good products and services. All of our insurance needs are always handled quickly. We are extremely happy with the rates for our homeowner's insurance and car insurance. We highly recommended!

Yini truly goes above and beyond to help her clients get the best coverage at the best price. I wouldn't go anywhere else for our insurance needs.

David Cabrera Septembe 22, 2016

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Mark spot October 12, 2014

Company informations

Yini & Associates
Yiniana Nuñez

1184 Main Ave
Clifton, NJ 07011

Contact details

E-mail address:
ynunez@insuranceassociatesus.com

(973) 510-2600

Available 9:30am - 6:00pm