The contemporary life insurance market is way more extensive than a source of income for beneficiaries when catastrophe strikes. With a plethora of options, these plans offer you and your entire family peace of mind, and often give your money investment opportunity to allow you to enjoy the money invested during your lifetime.
Choosing the perfect life insurance plan depends as much on your financial needs as it does on your health class rating. We will assess all factors and guide you through every option until we find the perfect plan for you.
Cosmo Insurance Agency is knowledgeable in various options including but not limited to – term, ROP, permanent and whole - from over two dozen A rated carriers. We are familiar with the rate classifications that particular carriers use to determine the health class of enrollees – and there are significant differences between them. No matter what the results of your medical examination are, we will find the insurer that will provide you will the best rating class and thus the lowest premiums.
Employers, find out about our selection of group life insurance plans, which can help you greatly to attract and retain quality employees. Additionally, these can be a particularly appealing option for individuals with health challenges, as most group life insurance plans do not require a medical examination. Whether you want a basic group life insurance plan or life insurance with long term care benefits, Cosmo Insurance Agency’s life and health insurance agents in New Jersey will be there to guide you.