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Life Insurance

Life insurance that looks after the people you love.

Whether you want to leave money to your children, pay off a mortgage or build cash value, we'll find a plan that fits your age, your health and your budget.

  • Term, whole life and IUL, compared for you
  • Quotes over the phone based on age and health
  • Nothing up front, 30-day free look

Check your price

Free, no-obligation quote. Takes about a minute.

Grandparents laughing with their granddaughter over a family photo album
Your options

Three ways to protect your family.

Life insurance comes in a few main types. We explain each one in plain words, then compare prices from top insurance companies so you can choose with confidence.

Not sure which is right? That is exactly what the free 15-minute call is for.

Term life

Coverage for a set number of years, like 10, 20 or 30. Usually the lowest price for the most coverage.

Good for: covering a mortgage, income or children while they grow up.

Whole life

Coverage that lasts your whole life, with a price that stays the same and value that builds over time.

Good for: leaving money behind, whatever age you reach.

Indexed universal life (IUL)

Lifelong coverage with cash value that can grow with a market index, plus flexible payments.

Good for: people who want protection and long-term savings in one plan.
What it could cost

Coverage that can cost less than you think.

Real examples from one of the insurance companies we offer.

Internal preview: example rates waiting on Stevey's OK
Woman, age 50, non-tobacco
$36.10/month

$100,000 of 10-year term life

Man, age 50, non-tobacco
$48.13/month

$100,000 of 10-year term life

Example monthly premiums for a 10-year level term policy, including the policy fee. Your price depends on your age, health, tobacco use, state and the insurance company you qualify with. Not a quote or an offer of coverage. Call for your own free quote.

How it works

Life insurance in three easy steps.

  1. 1 of 3
    Call us, or book a 15-minute call

    Pick a time that suits you. Prefer to meet in person? Ask about a visit at your home.

  2. 2 of 3
    Tell us a little about you

    Your age, a bit about your health and what you want the coverage to do. No date of birth needed.

  3. 3 of 3
    We compare, you choose

    We shop top insurance companies, explain your options in plain words, and many clients apply on the same call.

Common questions

Straight answers, no fine print.

Don't see your question? Call us and ask. That's what we're here for.

(800) 601-9318
How much life insurance do I need?

It depends on what you want it to do: replace income, pay off a home, cover final bills or leave something for family. We'll help you work out a number on the call.

Do I pay you anything for your help?

No. There are no fees for quotes or advice. Your coverage is billed through the insurance company.

Do I have to pay anything up front?

No. Nothing is paid up front, and you have up to 30 days to make your first payment.

What if I change my mind?

You have a 30-day free look period. If you decide the policy isn't right for you, you get a full refund.

Do I need a medical exam?

Not always. Many plans only ask a few health questions over the phone. We'll tell you which options fit you.

What's the difference between term and whole life?

Term covers you for a set number of years and usually costs less. Whole life lasts your whole life and builds value over time.

We offer peace of mind

Protect your family with one phone call.

A free, friendly 15-minute call. No pressure, nothing to pay up front, and a 30-day free look with a full refund.

Call us free, Mon to Fri 9 to 5(800) 601-9318

US Senior Services, providing peace of mind. Life insurance, final expense, Medicare, health, retirement planning and home insurance for seniors in New Jersey.

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