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# Excalibur Brokerage

NJ's Top Life Insurance Expert

## Sitemaps

- [XML Sitemap](https://excaliburbrokerage.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Guaranteed Life Insurance: Financial Security Amidst Health Challenges](https://excaliburbrokerage.com/guaranteed-life-insurance-financial-security-amidst-health-challenges/) - Discover the benefits of guaranteed life insurance for complex health conditions. Ensure financial stability and peace of mind with Excalibur Brokerage.
- [Indexed Universal Life Insurance (IUL): Elevating Wealth Potential](https://excaliburbrokerage.com/indexed-universal-life-insurance-iul-elevating-wealth-potential/) - Unleash the hidden potential of Indexed Universal Life Insurance (IUL) for financial empowerment. Maximize wealth with Excalibur Brokerage.
- [Millennial-Focused Long-Term Care Planning: A Guide to Financial Security](https://excaliburbrokerage.com/millennial-focused-long-term-care-planning-a-guide-to-financial-security/) - Secure your millennial future with long-term care insurance. Explore strategic planning for financial resilience with Excalibur Brokerage Agency.
- [Guaranteed Security: Annuity Living Benefits for a Stress-Free Retirement](https://excaliburbrokerage.com/guaranteed-security-annuity-living-benefits-for-a-stress-free-retirement/) - Elevate your retirement with annuity living benefits – a shield against market risks, offering steady income and financial security. Discover more at Excalibur Brokerage Agency.
- [Insure Your Hustle: The Entrepreneur's Guide To Disability Insurance](https://excaliburbrokerage.com/insure-your-hustle-the-entrepreneurs-guide-to-disability-insurance/) - Boost your business resilience with disability insurance. Safeguard ventures, secure income. Explore options at Excalibur Brokerage Agency.
- [Safeguarding Your Finances: The Insider's Perspective on Annuity Surrender Charges](https://excaliburbrokerage.com/safeguarding-your-finances-the-insiders-perspective-on-annuity-surrender-charges/) - Safeguard your finances with an insider's view on annuity surrender charges. Unlock expert insights from Excalibur Brokerage for a secure financial future.
- [Unlocking Possibilities: The Superiority Of Individual Life Insurance Plans](https://excaliburbrokerage.com/unlocking-possibilities-the-superiority-of-individual-life-insurance-plans/) - Explore the freedom of personalized life insurance! Opt for individual policies over group coverage. Secure your future with Excalibur Brokerage Agency today!
- [Making the Best Choice: Long-Term Care Insurance or Self-Funding](https://excaliburbrokerage.com/making-the-best-choice-long-term-care-insurance-or-self-funding/) - Discover the best choice for your future care: Long-Term Care Insurance or Self-Funding. Your guide to financial security begins here!
- [10 Unique Considerations: Mastering Disability Insurance for High Earners](https://excaliburbrokerage.com/10-unique-considerations-mastering-disability-insurance-for-high-earners/) - Unlock tailored protection for high earners! Explore vital strategies in our guide to crafting robust disability insurance plans. Consult with Excalibur Brokerage today!
- [The 10 Powerful Factors Behind Medical Exams and Your Life Insurance Premiums](https://excaliburbrokerage.com/the-10-powerful-factors-behind-medical-exams-and-your-life-insurance-premiums/) - Explore the profound way medical exams impact your life insurance premiums. Our list of 10 insights empowers informed decisions for your financial legacy.
- [Where Will I Live?: Long-Term Care Options to Consider](https://excaliburbrokerage.com/where-will-i-live-long-term-care-options-to-consider/) - Choosing between in-home and nursing home long-term care is a deeply personal decision. Consider these points and make a plan with Excalibur Brokerage Agency.
- [How to Save on Life Insurance: Tips for Affordable Coverage](https://excaliburbrokerage.com/how-to-save-on-life-insurance-tips-for-affordable-coverage/) - Discover top tips for saving on life insurance premiums. Learn more about affordable coverage with Excalibur Brokerage Agency's expert guidance.
- [Unlock Your Retirement Dreams: Harnessing the Power of Annuities and 401(k)s](https://excaliburbrokerage.com/unlock-your-retirement-dreams-harnessing-the-power-of-annuities-and-401ks/) - Discover the perfect retirement strategy with Excalibur Brokerage. Explore annuities and 401(k)s to achieve your dream retirement.
- [Cracking the Code of Life Insurance: 10 Common Questions You Need Answered](https://excaliburbrokerage.com/cracking-the-code-of-life-insurance-10-common-questions-you-need-answered/) - Discover the answers to 10 common life insurance questions, from grace periods to policy types, and make informed decisions for your financial security.
- [Wealth Mastery Unveiled: Unleashing the Power of Whole Life Insurance](https://excaliburbrokerage.com/wealth-mastery-unveiled-unleashing-the-power-of-whole-life-insurance/) - Secure your financial future and build a lasting legacy with whole life insurance. Discover the benefits and potential cash value growth in this comprehensive guide.
- [Riders and Add-ons for Life Insurance Policies: What You Need to Know](https://excaliburbrokerage.com/riders-and-add-ons-for-life-insurance-policies-what-you-need-to-know/) - Supercharge your life insurance coverage with riders and add-ons. Discover what you need to know to enhance your policy. Contact Excalibur Brokerage for expert guidance.
- [Long-Term Care Insurance Demystified: Navigating the Path to Health Security](https://excaliburbrokerage.com/long-term-care-insurance-demystified-navigating-the-path-to-health-security/) - Discover the importance of long-term care insurance for future healthcare needs. Partner with Excalibur Brokerage to secure the right coverage for peace of mind.
- [Empower Your Future: Harnessing the Life-Changing Potential of Annuities](https://excaliburbrokerage.com/empower-your-future-harnessing-the-life-changing-potential-of-annuities/) - Discover the advantages of annuities for a secure retirement. Guaranteed income, tax-deferred growth, market protection, and lifetime income. Learn more now.
- [10 Compelling Reasons Why Everyone Should Have Life Insurance](https://excaliburbrokerage.com/10-compelling-reasons-why-everyone-should-have-life-insurance/) - Discover 10 compelling reasons why you need life insurance. Protect your loved ones,, settle debt, and secure peace of mind. Learn more at Excalibur Brokerage.
- [Critical Illness Insurance: Protecting Your Future Against Unexpected Health Challenges](https://excaliburbrokerage.com/critical-illness-insurance-protecting-your-future-against-unexpected-health-challenges/) - Discover how critical illness insurance can protect your finances in the event of a serious health condition. Get a free quote from Excalibur Brokerage Agency.
- [Secure Your Income and Future with Disability Insurance](https://excaliburbrokerage.com/secure-your-income-and-future-with-disability-insurance/) - Secure your financial future with Disability Insurance. Discover its benefits, what to look for, and get covered with Excalibur Brokerage Agency. Contact us for a free quote today!
- [Low cost life insurance tailored to meet your needs](https://excaliburbrokerage.com/new-jersey-low-cost-life-insurance-tailored-to-meet-your-needs/) - We have learned that each client's needs are different and each requires special attention. In particular we have found that people with health issues require even greater attention to detail and a level of personal service that you just can't find by instant quotes on the Internet.
- [Affordable Life Insurance](https://excaliburbrokerage.com/affordable-life-insurance/) - Wouldn't it be beautiful if we lived in an ideal world? Where nobody had to worry about Life Insurance? This, alas, is not possible, and people do have to worry about how to pay for insurance when the life insurance rates are so high. Not everyone in our technological world can afford Life Insurance. As
- [Cheap Life Insurance](https://excaliburbrokerage.com/cheap-life-insurance/) - With the emerging technologies and globalization prices of the basic necessities of life have begun to touch the skies. However, the prices of life insurance plans are decreasing! This is great news: it's become easier today for everyone to protect the family in terms of life insurance. Not only have life insurance companies been lowering
- [Term Life Insurance Quote](https://excaliburbrokerage.com/term-life-insurance-quote/) - Term life insurance is defined as a life insurance policy which offers a benefit set before upon the death of the holder, given that the demise occurs within a definite precised time period. This policy is only obliged to provide the stated benefits and no returns beyond that, unlike the insurance policy. An insurance policy
- [Why Need Life Insurance?](https://excaliburbrokerage.com/why-need-life-insurance/) - Why do people need life insurance? Do I need life insurance? It's a question that everyone asks him/herself at least once… How much am I worth? Or what's the value of my life? Of course, life is priceless! But… Everyone thinks of the future, or what's going to happen to me when I get old,
- [Insurance Jokes](https://excaliburbrokerage.com/insurance-jokes/) - 1. A man asks his insurance agent: "How much will I get, if I insure my house for $500,000, and it burns down tomorrow?" The insurance agent: "10 years ". 2. An actuary, an underwriter and an insurance agent are driving in a car. The insurance agent holds the gas pedal; the underwriter - steps
- [Joke of the day](https://excaliburbrokerage.com/joke-of-the-day/) - Mr. James Barricks, was a rich old man was dying from a rare disease. On his deathbed, he called for his insurance agent, doctor and preacher: "I trusted each you my entire life. Now I want to give each of you $30,000 cash in an envelope to put in my grave. I want to take
- [Advice about Mistakes](https://excaliburbrokerage.com/advice-about-mistakes/) - I learned at a young age that everyone is going to make mistakes. I also learned that the best thing that you can do when you make a mistake or error is to ensure the following things happen: Learn from your mistake Don't ever repeat it again Be able to LAUGH at yourself and find
- [Term Life Insurance Quote](https://excaliburbrokerage.com/term-life-insurance-quote-new-jersey/) - Term life insurance is defined as a life insurance policy which offers a benefit set before upon the death of the holder, given that the demise occurs within a definite précised time period. This policy is only obliged to provide the stated benefits and no returns beyond that, unlike the insurance policy. An insurance policy
- [Why Life Insurance for Newborns Makes Sense](https://excaliburbrokerage.com/why-life-insurance-for-newborns-makes-sense/) - The birth of a child is an exciting time in any parent's life. It is a time of grand expectations, of excitement, and of new beginnings. It is also a time of incredibly high medical costs, of huge health risks, and major stress in the face of life-altering changes. When you are facing the birth
- [What the Insurance Market looks like for seniors in New Jersey](https://excaliburbrokerage.com/what-the-insurance-market-looks-like-for-seniors-in-new-jersey/) - The insurance market can be complex at any age, but for seniors the prospect of purchasing insurance can be especially stressful and confusing. In addition to looking at primary insurance plans, there is the added burden of deciphering information about Medicare plans. Making the wrong choice can be expensive and dangerous, as opting out of
- [Life Insurance for an Infant](https://excaliburbrokerage.com/life-insurance-for-an-infant/) - When you purchase life insurance for a child when they are first born, you are able to secure a life insurance plan before any health issues become apparent. This can keep the cost of life insurance low, even if a chronic illness presents itself later on. From an investment standpoint, taking action early on in
- [Financial Protection: Final Expense Insurance](https://excaliburbrokerage.com/financial-protection-final-expense-insurance/) - Losing a loved one is one of the most heart wrenching and stressful periods of one's life. It is a time of extreme remorse, heartfelt anguish, depression, anxiety, and uncertainty. These feelings are amplified when the one you lose goes suddenly, and even more so when their absence creates a question as to your own
- [Importance Of Life Insurance](https://excaliburbrokerage.com/importance-of-life-insurance/) - Affordable Life Insurance is serious business. It’s also very complex when it comes to determining which policy is best for you and how to get the best price. It takes more than an instant quote to ensure your low cost life insurance needs are met. Affordable Life Insurance from a Serious Life Insurance Broker –
- [Understanding Impaired Risk Life Insurance](https://excaliburbrokerage.com/understanding-impaired-risk-life-insurance/) - Impaired risk life insurance is not the easiest concept to understand. Like other types of complex policies, such as disability insurance and long-term care policies, there are many obstacles built into the eligibility criteria, and there are many people who don't even realize that impaired risk life insurance is something they need to know about.
- [How to Avoid Estate-Planning Failures](https://excaliburbrokerage.com/how-to-avoid-estate-planning-failures/) - Life Insurance is serious business. It’s also very complex when it comes to determining which policy is best for you and how to get the best price. It takes more than an instant quote to ensure your low cost life insurance needs are met. We Make a Difference for You by: listening to your insurance
- [What to look for in Life Insurance](https://excaliburbrokerage.com/what-to-look-for-in-life-insurance/) - While it is often a topic that people prefer not to think or talk about, life insurance is something that deserves a great deal of attention. When push comes to shove, all of us will die, and most of us will need to leave equity behind to cover everything from our funeral expenses to our
- [6 Most Common Mistakes in Life Insurance](https://excaliburbrokerage.com/6-most-common-mistakes-in-life-insurance/) - We prefer not to think about the negatives in life as we believe they can't happen to us. But things happen whether we want them to or not - that's life. Having life insurance provides a peace of mind that everybody deserves. Here are the six most common mistakes that people make when thinking about
- [4 Reasons You May Need Life Insurance When You Retire](https://excaliburbrokerage.com/4-reasons-you-may-need-life-insurance-when-you-retire/) - Low cost life insurance tailored to meet your needs We have learned that each client’s needs are different and each requires special attention. In particular we have found that people with health issues require even greater attention to detail and a level of personal service that you just can’t find by instant quotes on the
- [Tips for the First Time Buyer](https://excaliburbrokerage.com/tips-for-the-first-time-buyer/) - Life insurance is a complicated subject. When it comes to making your first purchase of a life insurance policy, chances are you won't quite know what you are doing. A million questions are likely to go through your mind, from why am I doing this, to how much do I really need? Often, the first-time
- [Cheap Life Insurance](https://excaliburbrokerage.com/cheap-life-insurance-new-jersey/) - With the emerging technologies and globalization prices of the basic necessities of life have begun to touch the skies. However, the prices of life insurance plans are decreasing! This is great news: it's become easier today for everyone to protect the family in terms of life insurance. Not only have life insurance companies been lowering

## Pages

- [Our Products](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/)
- [FINAL EXPENSE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/final-expense-insurance-new-jersey/) - Final expense insurance, also known as burial insurance or funeral insurance, is a specialized form of life insurance that specifically addresses the financial needs associated with end-of-life expenses. It offers individuals and their families peace of mind by covering funeral and burial costs, alleviating the financial burden during an already challenging time. In this article,
- [Customer Reviews](https://excaliburbrokerage.com/life-insurance-new-jersey/customer-reviews/) - Got something to say? At Excalibur Brokerage we appreciate your business and it would be fantastic if you would be kind enough to leave us a review on Google about your experience with Excalibur Brokerage. For us it’s all about the service we offer our customers and we want people to know when we have
- [Our Story](https://excaliburbrokerage.com/our-story/) - Excalibur Brokerage Agency, Inc. 40 years of low cost life insurance For over 40 years, we have been helping people obtain the kinds of affordable life insurance coverage needed for all kinds of situations. Low cost life insurance tailored to meet your needs We have learned that each client’s needs are different and each
- [Let's Talk About Life Insurance!](https://excaliburbrokerage.com/excalibur-brokerage-life-insurance-blog/)
- [Contact Us](https://excaliburbrokerage.com/new-jersey-life-insurance-agent/)
- [Why Choose Excalibur](https://excaliburbrokerage.com/why-choose-excalibur/) - Choose a Proven Insurance Brokerage Agency in Excalibur Brokerage. Affordable Insurance is serious business. It’s also very complex when it comes to determining which policy is best for you and how to get the best price. It takes more than an instant quote to ensure your low cost insurance needs are met. We help Consumers
- [TERM LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/term-life-insurance-new-jersey/) - Affordable life insurance quotes for multiple needs. Term Life Insurance is generally the least expensive and least complicated type of affordable life insurance – for short term needs. It provides insurance protection at a low cost for a specified period of time, such as 10, 15, 20 or 30 years. At the end of the
- [WHOLE LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/whole-life-insurance-new-jersey/) - Whole life policies offer death benefits and a “savings account” (also called “cash value” or sometimes “account value”) so that if you live, you usually get at least some of, and often much more than, the amount you spent on your premium. You get this money back either by cashing in the policy or by
- [UNIVERSAL LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/universal-life-insurance-new-jersey/) - Universal life insurance was developed in the 1970’s, when insurance industry regulations changed so that companies could be more competitive with other financial services industries. It is more flexible than traditional whole life because the premiums can vary from year to year and sometimes the premiums can even be skipped. Universal life has maximum guaranteed
- [RETURN OF PREMIUM LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/return-of-premium-life-insurance-new-jersey/) - Return of Premium (ROP) life insurance performs like a standard life insurance policy, where you pay money to the insurance company, and the insurance company will pay the full death benefit to your beneficiary(ies) when you die. However, if at the end of the insurance term of coverage, are alive, the insurance company will refund
- [SECOND TO DIE LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/second-to-die-life-insurance-new-jersey/) - Second to die insurance is traditionally used as an estate-planning tool that pays a death benefit only upon the death of the second insured. The main purpose of Second to die life insurance is to pay estate taxes upon the death of the second insured. Because it is based on joint life expectancy, its premium
- [PAYROLL DEDUCTION](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/payroll-deduction-new-jersey/) - Payroll deduction for insurance is a convenient way to obtain insurance coverage that has gained enormous popularity. More and more business owners have been making insurance products available to their employees through Voluntary Payroll Deduction (VPD) programs. With a VPD program, an agent from a reputable insurer comes to the employer’s place-of-business to offer employees
- [MORTGAGE LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/mortgage-life-insurance-new-jersey/) - Mortgage life insurance pays off the mortgage on your home in the event that you die or become disabled. There are two options for mortgage life insurance: The first option is traditional term mortgage life insurance. This insurance has a set premium for the life of the mortgage. The upside to choosing this option is
- [LONG TERM CARE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/long-term-care-insurance-new-jersey/) - Long Term Care Insurance is when an individual faces the prospect of needing nursing or extensive care, and provides for alternatives to a nursing facility in favor of care within his or her own home. These expenses can be monumental, especially in inflated “tomorrow’s dollars”. LONG TERM CARE INSURANCE PAYS FOR: Nursing Home Care Home
- [KEY PERSON INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/key-person-insurance-new-jersey/) - Key Person insurance, or Key Employee insurance, is coverage that will protect a company in the case of an untimely death or disability of a top salesperson, executive or business owner. Key person insurance provides peace of mind to business owners and shareholders alike knowing that the business can continue operations without major disruption in
- [IMPAIRED RISK LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/impaired-risk-life-insurance-new-jersey/) - Most people have an idea that they are high risk or not due to a medical issue or condition. But you can also be high risk if your background includes: A mental illness or treatment for depression in the last two years A past dependency on alcohol or drugs Three or more traffic tickets within
- [GRADED DEATH BENEFIT LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/graded-death-benefit-life-insurance-new-jersey/) - Graded Death Benefit life insurance has “graded death benefit” policies. This means that the death benefit in the first few years is less than the full amount of insurance applied for. The death benefit “grades” or goes up, in years one, two, three, and possibly four. In the final years he death benefit is equal
- [Burial Insurance](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/burial-insurance-new-jersey/) - Is a Burial expense insurance policy right for me and my family? Do I need a variety of types of life insurance to cover burial and final expense or will burial expense insurance be the only one that I require? Burial expense insurance death benefits are assigned to a funeral parlor unlike in final expense
- [BUY/SELL INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/buy-sell-business-life-insurance-new-jersey/) - How Can Buy-Sell Insurance Help Me Or My Business? Buy-sell insurance is one of the best ways to assure the continuation of a business in the event of a partner’s death or disability. Many businesses obtain buy-sell insurance as a form of business protection or business insurance. As you know business insurance is an essential
- [ANNUITIES](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/nj-life-insurance-annuities/) - Do you need a free annuity quote? Do you have money to invest and not sure what to do with it? An annuity may be the answer you are looking for Excalibur Brokerage agents are experts at providing the right financial advice to help you get the best return on your investment. Putting your
- [Companies We Represent](https://excaliburbrokerage.com/our-story/companies-we-represent/) - William Penn (NY)
- [Become A Broker](https://excaliburbrokerage.com/life-insurance-brokers/become-a-broker/) - Return
- [Get A Quote](https://excaliburbrokerage.com/get-a-life-insurance-quote-new-jersey/) - Request An Insurance Quote Today Please complete all areas of the form as best as possible. The more accurate the information, the easier it will be to for us to provide the best policy for you. To protect your privacy, first and last names are not required fields to be completed. However, we must have
- [Consumers](https://excaliburbrokerage.com/life-insurance-new-jersey/) - Excalibur Brokerage provides easy and free instant life insurance quotes in 8 quick steps, and helps you find affordable term life insurance rates from multiple term life insurance policy providers. Get A Life Insurance Quote! Compare Rates Of Multiple Companies... Please read Tips for Buying Life Insurance or Life Insurance FAQ's You buy cialis 5mg
- [Insurance Brokers](https://excaliburbrokerage.com/life-insurance-brokers/) - Click Here to read what some of our Agents/Brokers say about Excalibur! "The Best Service from the Top Life Insurance Brokerage Agency" Brokers – We’ve Got You Covered! "Our experienced team is dedicated to helping you, the Broker, grow your business by providing you with top notch service and products." - Carl Feller, President We've
- [DISABILITY INCOME INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/disability-income-insurance-new-jersey/) - Disability Income Insurance is insurance coverage that provides monthly payments, up to a specified amount and for a specific time period after a covered illness or injury occurs. Insurance must be purchased prior to your illness or injury. Disability Insurance provides a way to protect your income and your standard of living. If you are
- [Tips For Buying Insurance](https://excaliburbrokerage.com/life-insurance-new-jersey/tips-for-buying-insurance/) - 1. Know What You Need: The classic and best reason for an individual to buy life insurance is for protection against dying too soon. The person buying life insurance should be primarily concerned that his or her survivors do not face a financial hardship. Life insurance is also purchased to pay estate taxes. 2. Where
- [Agents Reviews](https://excaliburbrokerage.com/life-insurance-brokers/new-jersey-life-insurance-agents-testimonials/) - The following are the actual testimonial quotes from our insurance brokers and agents that talk about their working experience with Excalibur Brokerage Agency. "Fellow Independent Brokers, I am a career insurance agent with 30 years in the life insurance industry. For the past 9 years I have chosen to place all my written life insurance
- [GUARANTEED ISSUE LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/guaranteed-issue-life-insurance-new-jersey/) - Guaranteed issue life insurance, also known as Burial insurance, is essentially a whole life insurance product with a simple application process and small face value. Typical face values of a guaranteed issue policy range from $5,000 to $25,000 although policies can often be written outside of that range. This type of insurance is designed to
- [GROUP LONG TERM LIFE INSURANCE](https://excaliburbrokerage.com/new-jersey-life-insurance-brokers/group-long-term-life-insurance/) - Group Long Term Life and Accidental Death and Dismemberment coverage is designed to provide you with needed coverage at group rates and sponsored by your Employer or Group. This insurance offers protection against the financial consequences of your death or the death of a family member. Choose from a variety of benefit plans to meet
- [FAQ](https://excaliburbrokerage.com/faq/) - Here are some frequently asked question others have asked: Fill in Our Life Insurance Quote Form for an Estimate
- [William Penn (NY)](https://excaliburbrokerage.com/our-story/companies-we-represent/william-penn-ny-info/) - The history of William Penn Life Insurance Company of New York is more than 45 years strong. Chartered in 1962, we were acquired by Legal & General Group Plc as a wholly owned subsidiary of Banner Life Insurance Company in 1989. Today we’re one of the Legal & General America companies. Since that time, management
- [Kemper](https://excaliburbrokerage.com/our-story/companies-we-represent/kemper-info/) - Kemper is a diversified insurance holding company with subsidiaries that provide an array of products to the individual and small business market. Kemper Personal and Commercial Lines sells Auto, Home and Package Plus policies through independent agencies. Kemper Specialty California sells personal Auto insurance in the state of California through independent agents and brokers to
- [United States Life (NY)](https://excaliburbrokerage.com/our-story/companies-we-represent/united-states-life-ny-info/) - AIG American General companies have been protecting the hopes and dreams of American families for nearly a century. Although the company has retained its Houston base, today it bears little similarity to the simple operation that began with one man’s dream. With more than 4,000 employees and customer service centers across the country to serve
- [John Hancock](https://excaliburbrokerage.com/our-story/companies-we-represent/john-hancock-info/) - With a clear focus on meeting the needs of consumers today and tomorrow, John Hancock is a market leader in key insurance and investment product lines. By leveraging ongoing product innovation, knowledge and experience, its strong brand, and a broad and powerful distribution system, John Hancock is continually seeking to better serve its customers. As
- [United Home](https://excaliburbrokerage.com/our-story/companies-we-represent/united-home-info/) - United Home Life Insurance Company and its parent company, United Farm Family Insurance Company, are family-oriented companies founded in 1948 and 1937, respectively. Both companies were founded with a philosophy of providing quality, personal service to its policyholders and agents. The company’s motto: “We are here to serve you“. United Home Life’s and United Farm
- [ING](https://excaliburbrokerage.com/our-story/companies-we-represent/ing-info/) - ING Life Insurance Group is a global financial services company of Dutch origin with 150 years of experience, providing a wide array of banking, insurance and asset management services in over 50 countries. Its 120,000 employees work daily to satisfy a broad customer base: individuals, families, small businesses, large corporations, institutions and governments. Based on market
- [Transamerica](https://excaliburbrokerage.com/our-story/companies-we-represent/transamerica-info/) - The companies of Transamerica Life Insurance offer a wide array of innovative financial services and products with a common purpose. Regardless of the distribution method, the company’s mission is to help individuals, families, and businesses build, protect, and preserve their hard-earned assets. With more than a century of experience, Transamerica has built its reputation on solid
- [Symetra](https://excaliburbrokerage.com/our-story/companies-we-represent/symetra-info/) - In 1957 – the companies that would eventually become Symetra Financial – began as life insurance and investments subsidiaries of a Seattle-based Fortune 500 insurance company. Symetra. What’s in a name? In this case, a lot. Balance. It’s a balance of the company’s needs with those of its shareholders, customers, business partners, employees and neighbors.
- [Guardian Life](https://excaliburbrokerage.com/our-story/companies-we-represent/guardian-life-info/) - Guardian is one of the largest mutual life insurance companies in America, with 146 years of experience in providing diversified financial solutions, including life insurance, disability income insurance, retirement services,employee benefits, and investments. Among the Products Guardian Life offers is LIFE INSURANCE and DISABILITY INSURANCE: DISABILITY INSURANCE The Guardian offers one of the premier disability
- [Gerber](https://excaliburbrokerage.com/our-story/companies-we-represent/gerber-info/) - Meet Gerber Life Insurance Company Since 1967, Gerber Life Insurance Company has provided quality life insurance, especially for young families on a limited budget. As a financially separate affiliate of the Gerber Products Company, “the baby food people,” the two companies share a common goal: to help parents raise happy, healthy children. At Gerber Life
- [Standard](https://excaliburbrokerage.com/our-story/companies-we-represent/standard-info/) - In 1906, a German immigrant named Leo Samuel founded the company that would become The Standard, keeping the needs of his community – Portland, Oregon – foremost in mind. As for Portland, where the home offices are still located, the company is the largest non-government employer downtown. The Standard is also one of the top
- [Genworth](https://excaliburbrokerage.com/our-story/companies-we-represent/genworth-info/) - Genworth Financial is dedicated to helping individuals and families achieve their goals in a world of shifting financial burdens. The company helps make dreams come true for families by providing mortgage insurance in the U.S. and 12 other countries, helping people secure low down-payment loans to own their own homes – many for the first
- [RBC](https://excaliburbrokerage.com/our-story/companies-we-represent/rbc-info/) - RBC Insurance, through its operating entities, provides a wide range of creditor, life, health, travel, home, auto and reinsurance products to more than five million North American customers. This is the largest Canadian bank-owned insurance organization and one of the fastest growing insurance companies in the country. RBC Insurance leads in the Canadian creditor, individual
- [Fidelity Life](https://excaliburbrokerage.com/our-story/companies-we-represent/fidelity-life-info/) - Fidelity Life was established over a century ago as a fraternal benefit society in the state of Illinois designed to provide financial security for the growing middle class of the Midwest and Northern states. Since then, Fidelity Life has served hundreds of thousands of satisfied customers, and continues to respond to the needs of Middle
- [F & T / Columbian Mutual](https://excaliburbrokerage.com/our-story/companies-we-represent/f-t-columbian-mutual-info/) - Since its founding by the National Grange in 1912, Columbian Mutual / Farmers and Traders Life has expanded beyond rural America to deliver a full line of traditional life insurance and annuity products to people from all walks of life. Effective on October 1, 2007, Farmers and Traders Life Insurance Company based in Syracuse, New
- [Prudential](https://excaliburbrokerage.com/our-story/companies-we-represent/prudential-info/) - Prudential Financial Company has been helping people meet their financial goals for more than 135 years. The Prudential Friendly Society was founded by insurance agent John Fairfield Dryden in a basement office in downtown Newark, N.J., in 1875. It was the first company in the U.S. to make life insurance available to the working class.
- [F & G / Old Mutual](https://excaliburbrokerage.com/our-story/companies-we-represent/f-g-old-mutual-info/) - Fidelity and Guaranty Life Insurance Company – headquartered in Baltimore, Maryland – offers a diverse portfolio of annuities and life insurance products to help families and businesses achieve secure financial futures. Competitive rates and flexibility make Fidelity and Guaranty Life’s Term Trends policy ideal to meet a variety of financial needs. With Term Trends you
- [Protective Life](https://excaliburbrokerage.com/our-story/companies-we-represent/protective-life-info/) - Protective Life Corporation, which today offers a broad portfolio of life and specialty insurance and investment products, traces its roots to the Corporation’s flagship company, Protective Life Insurance Company. Throughout our more than 100-year history, we have been a values-driven company. A History of Tradition and Innovation 1907: Governor William Dorsey Jelks founds Protective Life
- [Companion Life (NY)](https://excaliburbrokerage.com/our-story/companies-we-represent/companion-life-ny-info/) - Companion Life Insurance Company has specialized in employee benefits for more than 35 years. As the years have passed, the company has changed along with its customers. It has added a variety of insurance products and services to its portfolio. It currently markets insurance products in 45 states and the District of Columbia. The company’s
- [Principal Life](https://excaliburbrokerage.com/our-story/companies-we-represent/principal-life-info/) - Principal Life Insurance Company is an insurance provider for both businesses and individuals. Formed in 1879, it has held a continuous record for quality service in the fields of life insurance, disability insurance, and annuities. As a subsidiary of the Principal Financial Group, it also provides vision and dental insurance, as well as medical and
- [Cincinnati life](https://excaliburbrokerage.com/our-story/companies-we-represent/cincinnati-life-info/) - Cincinnati Financial is EVERYTHING INSURANCE SHOULD BE. Cincinnati Financial, formed in 1968, stands among the nation’s top 25 property casualty insurer groups, based on 2013 net written premiums. It operates through The Cincinnati Insurance Company, which itself has four insurance subsidiaries, and through two financial services subsidiaries. Four independent agents formed The Cincinnati Insurance Company
- [North American](https://excaliburbrokerage.com/our-story/companies-we-represent/north-american-info/) - North American Company for Life and Health Insurance (NACOLAH) has been in existence since 1886. Originally founded in the city of Chicago as a mutual assessment company, it considers itself a product-driven company that provides superior value to the customer. It, along with its sister group, North American Company for Life and Health Insurance of
- [Banner Life (through TMA)](https://excaliburbrokerage.com/our-story/companies-we-represent/banner-life-info/) - The history of Banner Life Insurance Company is more than 50 years strong. Chartered in 1949 as Government Employees Life Insurance Company (GELICO), they were acquired by Legal & General Group Plc as a wholly owned subsidiary in 1981. In 1983, the name was changed to Banner Life, signifying a flagship position with Legal &
- [Mutual of Omaha](https://excaliburbrokerage.com/our-story/companies-we-represent/mutual-of-omaha-info/) - Omaha, NE | NAIC #69868 The company incorporated August 9, 1926 under the laws of Nebraska as the United Benefit Life Insurance Company and commenced business on November 26, 1926. The present name was adopted in 1981. All outstanding shares of United of Omaha Life Insurance Company are owned by the Mutual of Omaha Life
- [Bankers Life (NY)](https://excaliburbrokerage.com/our-story/companies-we-represent/bankers-life-ny-info/) - On November 15, 2006, Aviva and AmerUs Group combined to bring their consumers even more products and services in the US. Aviva is the world’s fifth-largest insurance group and the biggest in the United Kingdom. And Bankers Life Insurance Company has become a part of Aviva. Bankers Life Insurance Company has been helping families preserve
- [Minnesota Mutual](https://excaliburbrokerage.com/our-story/companies-we-represent/minnesota-mutual-info/) - Minnesota Life Insurance Company insurance, pension and investment products provide financial security to millions of individuals and businesses nationwide. Founded in 1880, the company’s record of financial strength and stability positions it as one of the most highly rated financial institutions in America. VALUES Trust: We serve the long-term interests of our clients, providing them
- [American National](https://excaliburbrokerage.com/our-story/companies-we-represent/american-national-info/) - Chartered in 1905, American National Insurance Company has evolved into an industry leader, ranking among the largest of life insurance companies in the United States. Today, the company and its subsidiaries provide personalized service to more than 5 million policyholders throughout 50 states, the District of Columbia, Puerto Rico, and American Samoa. Through its subsidiary,
- [Met Life](https://excaliburbrokerage.com/our-story/companies-we-represent/met-life-info/) - Met Life History For 137 years, Met Life has been insuring the lives of the people who depend on it. Its success is based on its long history of social responsibility, strong leadership, sound investments, and innovative products and services. The origins of Metropolitan Life Insurance Company (MetLife) go back to 1863, when a group
- [American Memorial](https://excaliburbrokerage.com/our-story/companies-we-represent/american-memorial-info/) - American Memorial Life Insurance Company, a part of Assurant Solutions, began serving families in 1959 and is based in Rapid City, South Dakota. The company is a leading provider of specialized insurance products, extended service contracts and other risk management solutions. American Memorial Life Insurance Company provides pre-arranged funeral captive insurance. The company sells its
- [Accordia life](https://excaliburbrokerage.com/our-story/companies-we-represent/accordia-life-info/) - Accordia Life is a resourceful, agent-focused company with proven expertise in indexed universal life insurance. The company’s products help meet the protection, wealth transfer and small-business needs of customers throughout the United States. Accordia’s success is built on a foundation of experience, exceptional products and deep relationships. Accordia is a subsidiary of Global Atlantic Financial
- [American General](https://excaliburbrokerage.com/our-story/companies-we-represent/american-general-info/) - AIG American General companies have been protecting the hopes and dreams of American families for nearly a century. Although the company has retained its Houston base, today it bears little similarity to the simple operation that began with one man’s dream. With more than 4,000 employees and customer service centers across the country to serve
- [Lincoln Financial](https://excaliburbrokerage.com/our-story/companies-we-represent/lincoln-financial-info/) - Lincoln Financial Group recently celebrated their 100th anniversary. Way back in 1905, President Lincoln’s son, Robert Todd Lincoln, gave The Lincoln National Life Insurance Company permission to use the Lincoln name based upon the strength of its commitment to integrity. In fact, he even sent the Fort Wayne, Indiana-based company a photograph of his father
- [Mass Mutual](https://excaliburbrokerage.com/our-story/companies-we-represent/mass-mutual-info/) - Founded in 1851, Mass Mutual is a mutually owned financial protection, accumulation and income management company headquartered in Springfield, MA. Since 1851, Mass Mutual Financial Group has grown and thrived – surviving wars, depressions, recessions and changing market conditions. Throughout, the company’s main focus has never wavered: to help people to take the next step
- [Broker Quotes](https://excaliburbrokerage.com/life-insurance-brokers/new-jersey-broker-quotes/) - Please complete all areas of the form as best as possible. The more accurate the information, the easier it will be for us to provide the best policy for your client. To protect your client’s privacy, first and last names are not required fields to be completed. However, we must have your name, email, and

## FAQs

- [How do I know if I need life insurance?](https://excaliburbrokerage.com/hrf_faq/how-do-i-know-if-i-need-life-insurance/) - It's a personal decision that should be made by each person individually. The main purpose of Life Insurance is to protect your loved ones financially (from losing a house, assets, income, etc.), in case of your demise. Whole Life insurance can also build up cash in it which can be borrowed against, if needed (for
- [I am not a US citizen, but want some life insurance. Can you help?](https://excaliburbrokerage.com/hrf_faq/i-am-not-a-us-citizen-but-want-some-life-insurance-can-you-help/) - Yes, we can.
- [What is a Mortgage life insurance?](https://excaliburbrokerage.com/hrf_faq/what-is-a-mortgage-life-insurance/) - The main purpose of the Mortgage Life insurance is to protect your family from losing the house in case of a death of one of a family members: the death benefit normally equals the mortgage amount, and the premiums may decrease from year to year, as the mortgage amount goes down. For more information about
- [I heard, you can buy insurance, and then get all your paid money back. Is that possible?](https://excaliburbrokerage.com/hrf_faq/i-heard-you-can-buy-insurance-and-then-get-all-your-paid-money-back-is-that-possible/) - Yes, it is possible. That is called a Return of Premium product: a person gets coverage for a specific period of time, and if still alive at the end of the specified period, gets all the paid premiums back. This type of Term life insurance is more expensive than a regular Term life insurance. However,
- [What's the longest time I can buy life insurance for?](https://excaliburbrokerage.com/hrf_faq/whats-the-longest-time-i-can-buy-life-insurance-for/) - Forever - with a Permanent Insurance. 35 years - with a Term Insurance.
- [I had a bankruptcy. Am I insurable?](https://excaliburbrokerage.com/hrf_faq/i-had-a-bankruptcy-am-i-insurable/) - Yes. The bankruptcy proceedings should be discharged for at least 12 months though.
- [I had a skin cancer. Can I get life insurance?](https://excaliburbrokerage.com/hrf_faq/i-had-a-skin-cancer-can-i-get-life-insurance/) - Yes, you can. More than that - you can get the BEST insurable class for certain types of skin cancer!
- [I had a heart attack 5 years ago. Will anyone insure me?](https://excaliburbrokerage.com/hrf_faq/i-had-a-heart-attack-5-years-ago-will-anyone-insure-me/) - Absolutely, yes.
- [I have diabetes. Can I still get insurance?](https://excaliburbrokerage.com/hrf_faq/i-have-diabetes-can-i-still-get-insurance/) - Yes. You can.
- [I am currently on a cholesterol medication, how will it influence my insurability?](https://excaliburbrokerage.com/hrf_faq/i-am-currently-on-a-cholesterol-medication-how-will-it-influence-my-insurability/) - As long as your cholesterol is controlled, and everything else from the medical point of view is good, you can qualify for the best insurance class, which means that you can get life insurance for the lowest cost.
- [What are the basic procedures in getting life insurance?](https://excaliburbrokerage.com/hrf_faq/what-are-the-basic-procedures-in-getting-life-insurance/) - Reviewing the quotes run by your agents and deciding what insurance plan and rate is best for you Filling out the application Completing the medical exam at your home or work (your insurance agent will set the exam up for the convenient for you time and place) Making the first premium payment Receiving the insurance
- [I am 90 years old. Can I get insurance?](https://excaliburbrokerage.com/hrf_faq/i-am-90-years-old-can-i-get-insurance/) - Yes, you can.
- [What is "the best insurable class", and can I qualify for it?](https://excaliburbrokerage.com/hrf_faq/what-is-the-best-insurable-class-and-can-i-qualify-for-it/) - For most of the insurance companies, to qualify for the best insurable class, a person should have no personal history of disease or impairment that would affect mortality; normal (or well-controlled with medications) reading of blood pressure and cholesterol; no cardiovascular disease or cancer in either parent or siblings before age 60; good driving history;
- [How much time will it take for me to get insurance?](https://excaliburbrokerage.com/hrf_faq/how-much-time-will-it-take-for-me-to-get-insurance/) - It depends on the type of insurance. It can take 2 days for a Guaranteed Issue policy (normally, easy application with no-medical questions, no paramed exam, or other requirements). Or 2-6 weeks for a regular policy (depending on how soon you take a paramed exam, and how soon your doctor sends out your medical records
- [I quit smoking 12 months ago. Can I get a non-smoker rate?](https://excaliburbrokerage.com/hrf_faq/i-quit-smoking-12-months-ago-can-i-get-a-non-smoker-rate/) - Yes. Every insurance company looks differently at smoking, but for most of them, to be considered a "non-smoker", you should not have a cigarette for at least12 months. Some companies would even allow recreational smoking of cigars, tobacco chewing or pipe smoking. The longer you go without smoking - the better "non-smoking" rate you will

## Testimonials

- [Excalibur Customer](https://excaliburbrokerage.com/testimonials/excalibur-customer-5/) - "Dear Carl. I just want to thank you for everything you've done for my mother these past several years. I know she had total faith and confidence in you and valued you advice. You always treated her with respect and courtesy and for that I am eternally grateful."
- [Excalibur Customer](https://excaliburbrokerage.com/testimonials/excalibur-customer-4/) - "Thank you for your prompt response and excellent customer service."
- [Excalibur Customer](https://excaliburbrokerage.com/testimonials/excalibur-customer-3/) - "We really enjoyed the service we received from Excalibur, Elena is the greatest, she is thorough and efficient and worked very diligently and patiently with us while we made the decision to secure coverage for my husband. The whole process was fast and professional from start to finish. We were able to obtain coverage in
- [Excalibur Customer](https://excaliburbrokerage.com/testimonials/excalibur-customer-2/) - "I want to give your company my business. You took the time and effort to get me the best rate possible. Other agents and brokers did NOT do that. You let me apply to two different companies and you updated me regularly on the status of my application. You helped me get my lab results
- [Excalibur Customer](https://excaliburbrokerage.com/testimonials/excalibur-customer/) - "Carl has taken care of my family's insurance needs for the past 20 years. You will not find a more honest or competent person who knows the ins and outs of the insurance business. He is top notch to work with personally as well as professionally."

## Team

- [Carl Feller](https://excaliburbrokerage.com/team/carl-feller/) - Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him. Carl earned his Bachelor’s Degree

## Categories

- [Uncategorized](https://excaliburbrokerage.com/category/uncategorized/)
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