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Life Insurance For Middle-Class New Jersey NJ
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 fact, anyone who takes care of someone else or provides support financially should seriously consider getting an adequate, yet affordable life insurance policy that best reflects their financial goals, needs and responsibilities. Can you imagine what will happen to your family there in New Jersey in case you (or whoever the bread-winner is) suddenly pass away? How would they manage their day to day needs? Who would continue to pay the bills & mortgage? Can your wife put the kids through college all on her own? These are just a few of the things you will have to consider, knowing that you can get peace of mind as well as provide your family a financial safety net through a life insurance coverage.
Once you do decide to get life insurance, the next thing you would have to do is to make an assessment of your family’s immediate and long-term expenses. This would include your total long-term debts, loans, and payments, School expenses, or anything that you see your family spending for in the future. This will give you a good idea of how much coverage or ‘face-value’ you would need to look for in a life insurance plan. You may choose to get term life which covers you for a specific period of time only (until the kids are old enough to work, for example) or decide on a permanent life insurance plan that covers you as long as you are alive.
Tags: life insurance advise, affordable life insurance, life insurance information, insurance quotes, term insurance
Source: Buy New Jersey Life Insurance Online
Can anyone tell me the history of the New Jersey Life Insurance Company?
Nov 18, 2008 by linda t | Posted in Insurance
I found a policy that my brother bought in 1970 I'm trying to find out if it has any value.
linda t, Life insurance covers lots of different things. Since I'm from Ohio I'm not familiar with the New Jersey laws and regulations, so I suggest you call a nearby insurance agent. http://www.easylifeinsuranceguide.com/New-Jersey-Life-Insurance.html They will be able to help you.
Hildegard I | Nov 26, 2008
i need a new jersey lawyer! how do i find a good 1 that does life insurance cases & gets paid later?
Aug 30, 2008 by greeneyedgoddess1742 | Posted in Insurance
i had a cali one, but since the case is now taking place in new jersey i need a new lawyer. i have no idea how to do this and have very little time. any information would be useful.
here's to those of you who wanted the details:
my husband passed in oct. 06. we were only married for 8 months. he had two life insurance policies one that had not been valid since 2003 when he was married to his ex wife who was listed as the beneficiary and he had a new one which was not yet complete since he had just started it after we got married and not listed the beneficiary. so with two policies and one wife who wasnt on either one and the ex who was. prudential decided to make the old 03 policy valid. putting us in a battle in court because they refuse to give me the benefits even though in their divorce papers she signed her rights away to any money from him in life or death and i have been named the person in charge of his estate. prudential wants a judge to decide. the first year they couldnt even find her to tell her about this and then a couple months ago they did find her and she thinks she deserves it all. we were both told to get new jersey lawyers.
greeneyedgoddess1742, Life insurance covers lots of different things. Since I'm from Iowa I'm not familiar with the New Jersey regulations, so I recommend you call a nearby life insurance agent. http://www.usinsuranceadvisor.com/Life-Insurance.html They should be able to help you.
Shae Y | Aug 30, 2008
how much is car insurance in New Jersey?
Jun 23, 2008 by coqueta19 | Posted in Insurance & Registration
my sister lives in new jersey and she is wondering how much is the insurance going to cost. She doesn't have a car yet .. she is 17 .. what does she need in order to get a car. Like how much should she save up in order for her to be able to buy a car.. ..
insurance is EXPENSIVE in jersey. but, without knowing what kind of car and her driving history, i wouldn't even be able to give her a ballpark quote.
My husband and I both have good credit, clean driving histories (no accidents/tickets), he's 28 and I'm 25. He has a 04 avalanch and i have a 00 chevy lumina car. we pay around 200 a month for our insurance through state farm, which was the cheapest for us. that includes our multicar discount and everything. when we were in pa we only paid about 75 dollars a month for the same coverage on the same cars... yikes.
if she has good credit and wants to buy a car with a loan, she wouldn't have to save up too much. but if she wanted to get a car without credit, she will be looking a quite a bit. it really depends on what type of car she wants. tell her to start doing research and go to used car websites to look at prices of cars she's interested in. that way she has a good idea of how much money she needs. then add a whole bunch more for insurance and registration. the nice thing about jersey is inspections are free and registration lasts for 2 years.
Pami | Jun 23, 2008
Health coverage after a layoff - abc7news.com
10.01.09
5 Steps to Take for Holding on to Your Insurance Coverage 1. COBRA. While this may be the most expensive option, it's a good one for someone with a pre-existing medical condition. For people recently laid off, the first, immediate option to review is COBRA coverage. COBRA is required of businesses with 20 or more employees. It provides continuation of group health coverage that otherwise might be terminated. One common myth about COBRA coverage is that it is only good for 18 months, but quite often this is not the case as it can be continued indefinitely through state COBRA programs. First steps include checking with the employer's human resources department to receive complete information on how to qualify for COBRA, the costs and how to apply. If COBRA is an option, it should be carefully reviewed before being refused as once it's dismissed, it can't be recalled. 2. Going from a double- to a single-income family. For the family in a two-income home where one parent has been laid off, checking into programs like Healthy Families is an important step. In many states, a family of 4 can make up to $60,000 (California, Connecticut, Hawaii, Illinois, Indiana, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, Pennsylvania, Tennessee, Vermont, Washington, D.C.) and in other states up to $50,000 a year (Alabama, Georgia, Louisiana, New Mexico, New York, Washington) and still qualify the children for comprehensive coverage. These programs may provide low-cost health coverage for children and teens up to age 19 including comprehensive health, dental and vision coverage. Moving the family's young dependents from private insurance to government sponsored plans can reduce monthly premiums and perhaps make a family's adult private premium coverage affordable.
Source: abc7news.com, CA
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New Jersey life insurance - News
Health coverage after a layoff - abc7news.com
abc7news.com, CA - Jan 10, 2009
Health coverage after a layoff Moving the family's young dependents from private insurance to government sponsored plans can reduce monthly premiums and perhaps make a family's adult
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'Missing mom' murder suspect indicted - Newsday
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'Missing mom' murder suspect indicted TRENTON, NJ - A married man accused of killing his mistress and dumping her dismembered body in a Staten Island pond was indicted Friday on a first-degree
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Employees Need Health Insurance, Not Cash - The Star-Ledger - NJ.com
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The Star-Ledger - NJ.comEmployees Need Health Insurance, Not Cash It is an issue of paramount concern to the New Jersey Association of Health Underwriters, of which I am affiliated. We are seeing employers opt to give
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Life Insurer Surplus Plunges $77 Billion, Erasing Six-Year Gain
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The 24-stock KBW Insurance Index fell 48 percent last year, with MetLife down 43 percent, Newark, New Jersey-based Prudential off 67 percent and Hartford
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Centene Corporation Files Lawsuit against Amerigroup Corporation - WELT ONLINE
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Centene Corporation Files Lawsuit against Amerigroup Corporation Centene Corporation (NYSE: CNC) today filed a lawsuit in the Superior Court of New Jersey Chancery Division against AMERIGROUP Corporation (Amerigroup) and
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