Reader’s Question: We are only a middle-class, suburban family living here in New Jersey (far from the rich WASPy types) do you think we still need to get life insurance coverage? Pete Paterson, NJ The good news is that you don’t have to be super-rich in order to justify buying a life insurance plan. In [...]

Reader’s Question: I got married recently. I’m planning to get a term life insurance particularly the 30 year period. Could you tell me more about this life insurance policy? Chester Newark, NJ A 30 year term life insurance has a level premiums and death benefit. With some life insurance companies, premiums stay level for 5 [...]

Reader’s Question: Gadgets come and go. I usually end up wasting money buying things which gets outdated and depreciated. I think it’s about time I put my money in a lifetime investment which can give me lasting benefits. I am thinking of buying life insurance in Vineland, New Jersey, but I want to get the [...]

Reader’s Question: I appreciate why we need to get life insurance but it seems to me that it is a very serious commitment and at the same time a risk. How would I know that I have chosen a good insurance company in Newark New Jersey NJ? Trevor Newark, NJ When you think about the [...]

Reader’s Question: I am a free lance writer and work is really unstable. I want to ensure that when I leave this world I will leave my family with a startup fund just until they get used to being without me. Is there a life insurance specifically crafted for writers in Camden New Jersey NJ? [...]

Reader’s Question: My life insurance is from my employer in New Jersey. It is participative as we have to pay half of what the company pays. I pay $100 of the $200 premium. When I added my wife into my plan, my premium became $720. Why is my wife’s insurance premium twice higher than myself? [...]

Reader’s Question: I’m looking at hiring a life insurance broker to help me get a good life insurer, but I’d rather avoid the cost of that if I can. Can I pick-out good life insurance providers on my own? Franz Irvington, NJ These days life insurance brokers, although still a reliable way to get a [...]

Reader’s Question: I have information on term life insurance quote. Now, I want to compare term plan with universal life insurance. Where can I get universal life insurance quote? Linda Jersey City, NJ   In a nutshell, universal life insurance can be an example of the saying, ‘Let the money work for you, instead of [...]

Reader’s Question: My life insurance policy is almost up and I’m looking to get coverage again, but this time with a different provider. I’m already 50 years old (but still reasonably healthy) however, should I buy life insurance with no medical exam? Dallas Jersey City, NJ No-exam life policies are a relatively new phenomenon. It [...]

Reader’s Question: What are the minimum required auto insurance in New Jersey? Jeanette Irvington, NJ It is highly suggested that New Jersey residents who are not familiar with auto insurance policy should check with their states insurance department. This is to make sure that you are meeting the minimum requirement and other policies of the [...]