Do you have the protection you need to make sure your new life keeps heading in the right financial direction?

Answer: You may have just graduated from college or recently taken steps towards independence by getting a full-time job and moving away from home. Either way, you are out on your own.

As a young worker, you may be wondering whether you need life insurance coverage. One thing to consider is the fact that being younger may help you to get a lower premium. It is to your advantage to get your policy as early as you can.

Term life insurance may be a good way to start. It offers low premiums plus you can convert the coverage to a permanent plan, such as whole life, universal life or variable universal life insurance, once you have more income to support your plan.

Disability income insurance is also a consideration in the event you're unable to work for a length of time due to illness or injury.


Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.


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