Preheader

Protect your financial
investments with the
best coverage available.
Learn More

Find quick, accurate
and affordable quotes from
the top carriers.
Learn More

Your business is unique.
Your coverage should be
unique and just for you.
Learn More

Relax and let us help
find the right plans
for you.
Learn More

Home & Flood Automobile Business Mortgage & Life

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Life Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Social Media

FacebookTwitterLinkedInRSS Feed

Follow our Blog

Read More Here

Contact Us

1 Leonardville Rd | Middletown, NJ 07748
Phone: 844-YTI-9400 | Phone: 732-203-9000
Fax: 732-909-2692
info@yourtowninsurance.com