Life Insurance

Shopping for life insurance can offer you the peace of mind you need. Since there’s no telling what could happen in New Jersey, you need to do all you can to have financial protection in place. With a call to us at MSM Insurance Agency Inc. in Kearny, NJ, we’ll tell you what you need to know about policies that will make an impact.

Types of Life Insurance

It can be overwhelming to shop for life insurance because of the options that are out there. With the help of one of our agents, we can review some of the most common types of life insurance and explain the pros and cons.

Term life insurance is usually chosen for a term of 5 to 30 years. It is there to protect you during a specific amount of time. Should you pass during this term, your beneficiaries get the value of your policy. Should you outlive the term, your policy expires.

Whole life insurance is provided to you for your entire life, whether that’s 5 or 40 years from now. As you get into your retirement years, there’s also a cash value to your policy that you can use as an added income.

Shopping for Life Insurance

When you begin shopping for life insurance, we’ll help you determine what type of life insurance is right for you based on your age, health, and amount of savings. Establishing the value of your policy can be the most challenging thing. We recommend considering some of the expenses you may leave behind:

• Burial expenses
• Mortgage
• Debt
• College tuition for children
• Everyday living expenses

You don’t have to make any of the decisions on your own. We’re here to answer questions and provide you with guidance.

Call one of our agents at MSM Insurance Agency Inc. in Kearny, NJ today to find out more about getting life insurance for you and the rest of your family in New Jersey.