818 Route 202-206, Bridgewater, NJ 08807
Telephone 908-722-6868, Toll Free: 1-800-392-0980, Fax: 1-908-722-2827, E-Mail: info@forefin.com

Life Insurance

We have life insurance products for the various stages of your or your family’s lives. As a single person, you may not require life insurance except to cover burial expenses and debt service. A couple starting a family, purchasing a home or getting married, might want additional insurance coverage to pay a mortgage, cover living expenses, child care or an educational fund. Retirees may wish to provide money to pay for taxes on their estate, charitable organizations, favorite college or university, or their loved ones.

Each person has different desires and needs during the various stages in their life. We can help you identify your needs, find the product to satisfy your needs and fit your budget.

Term Life Insurance

Annual Renewable Term (ART)
Provides the greatest coverage per dollar to fit your budget

Level Term (LT)
Provides cost effective coverage for 5, 10, 15, 20, or 30 years versus ART insurance. But at the end of the level term period, you must requalify for insurance coverage based on your health at that point in the future. Best used to cover interim responsibilities such as child care, college expenses or mortgage.

 

Permanent Insurance

Variable Life Insurance *
Permanent coverage for clients comfortable with equity products. You purchase term insurance combined with money market or mutual funds. Funds remaining after paying for the term life premium are invested in equities. You have access to the excess cash to borrow, to withdrawal or to invest tax-deferred. You share the financial risk to your cash value with the insurance company.

Whole Life
Provides permanent coverage for your lifetime and the insurance company guarantees cash value. You can use this coverage to cover the basic needs throughout the different stages of your life without worrying about your future health.

Let us know if we can help you sort through the life insurance maze of the amount or type of insurance you need. We can provide you a no obligation quote. Of course, life insurance premiums are based on your age, current health and health history. Call us or complete the inquiry form for your insurance quote or consultation.

SAMPLE QUOTE, First Colony Life Insurance






Age
30
35
40
45
50
55
60

30
35
40
45
50
55
60





Face
Amount
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000

$500,000
$500,000
$500,000
$500,000
$500,000
$500,000
$500,000

Prefered
Male
Non-Smoker
20 Year
Monthly
Premium
$71
$74
$99
$156
$254
$390
$1054

$39
$40
$53
$81
$130
$198
$530

 Prefered
Male
Non-Smoker
15 Year
Monthly
Premium
$57
$57
$78
$123
$194
$291
$470

$32
$32
$42
$64
$100
$148
$238

 Prefered
Female
Non-Smoker
20 Year
Monthly
Premium
$62
$62
$81
$111
$169
$242
$377

$34
$34
$43
$59
$88
$124
$192

 Prefered
Female
Non-Smoker
15 Year
Monthly
Premium
$48
$48
$68
$94
$136
$192
$298

$27
$27
$37
$50
$71
$99
$152

For additional information on your insurance needs or information about our Financial Services, call 1-800-392-0980, complete the inquiry request form, or simply E-Mail us at: info@forefin.com.