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LIFE INSURANCE

Term Life Insurance:
Term life insurance is generally an inexpensive way to purchase a life insurance policy. The death benefit and premium are guaranteed for the term your purchase. Term life insurance periods max out at 30 years.

Universal Life Insurance:
Universal life insurance (UL) provides a death benefit, as well as a cash account that earns interest. Unlike whole life insurance, universal life insurance offers you flexibility in terms of paying insurance premiums.

Whole Life Insurance:
Like universal life insurance, whole life insurance (WL) provides a death benefit and a cash account that earns interest. Whole life insurance policies yield dividends, which can be paid in cash or used to increase the death benefit paid when you pass.

Long-term Disability Insurance
Disability insurance (DI) provides up to 66% of your income if you are unable to work due to a covered accident or illness. NJ disability insurance assists you in satisfying your daily financial obligations until you are able to return to work

*These are just of a few of the life insurance related products offered by Minicozzi Insurance to help protect the longevity of our clients' family.

Life insurance serves as a foundation for any quality financial plan. Yet, far too many families continue without properly protecting themselves. No one likes to think about, let alone discuss, a premature passing. The unfortunate reality is that accidents happen every day. Life insurance ensures that your family will be able to carry on financially without you.

With so many options when choosing a Life Insurance policy, it is understandable that you may feel a bit overwhelmed or even frustrated. Work with Minicozzi Insurance to ensure that you are purchasing the right type of life insurance for your family and you.

Below are a few common NJ life insurance product descriptions: