Reader’s Question: I’ve been doing a lot of reading regarding term life and whole life insurance policies here in New Jersey and I got confused, should I pay the high-price of a whole life insurance or just get a term life which is cheaper and just renew after the policy expires? Yvonne Camden, NJ You [...]

Reader’s Question: What does universal life insurance policy offers? Paul Elizabeth, NJ Guaranteed level death benefit is one of the advantages with universal life insurance offers. The guaranteed level death benefit can be decreased or increased by the policy owner. To decrease the death benefit is easy but if the policy holder would like to [...]

Reader’s Question: Would I get the same deal if I shop for Life insurance on the web as I would if I spoke to a real life insurance agent here in New Jersey? Jerica East Orange, NJ The answer is a definite yes, over the years life insurance providers have seen the great potential of [...]