Life Insurance

Serving New Jersey

Since we are going through a very unstable economic time, wouldn’t you feel safer purchasing life insurance, so that you can ride the waves with ease and security? Sharer and Associates wants to be able to provide you with that security. Please read below for more information on how to start getting protected!

What you need to know:

Everyone will, at some point, endure pain and suffering; losing a job, a loved one or great amount of your savings from a tumultuously unstable economy. Life insurance is designed to as a financial pillar for your family’s financial security. The following are some questions to ask yourself when deciding whether to purchase life insurance:

What do I get from a life insurance policy?
How much insurance should I buy?
I think I might have life insurance through my work?
You might already have life insurance, but make sure that you are adequately protected.

If you want the answers to these and any more questions you might have, please call Sharer and Associates today at 732-446-4919 to discuss. You can also submit a free life insurance quote request through our website!

Coverage Options:

The following are two different types of coverage options. Read below to see which one would be best suited for you:

TERM LIFE INSURANCE: For term life insurance, you choose a “term” of 10, 15, 20 or 30 years. During this term, your premiums do not increase, and if you pass away during your term, your beneficiaries receive a cash death benefit. If you outlive your specified term, you have a few options. You can extend your life insurance for annual or renewable premiums, or simply convert your policy into a permanent policy.
PERMANENT LIFE INSURANCE: Permanent life insurance does just that; insure you for the rest of your life. As well, the money that you put aside in an account can grow in cash value. There are many different types of Permanent Life Insurance.

Please call Sharer and Associates at 732-446-4919 to learn about the different types of permanent life insurance and to see which type is best for you in your situation.