• Skip to primary navigation
  • Skip to main content
  • Skip to footer

Excalibur Brokerage

NJ's Top Life Insurance Expert

  • Our Story
    • Insurance Brokers
      • Agents Reviews
      • Become A Broker
      • Broker Quotes
    • Consumers
      • Tips For Buying Insurance
      • Consumer Quote
    • Companies We Represent
  • Our Products
    • ANNUITIES
    • BUY/SELL
    • BURIAL INSURANCE
    • DISABILITY INCOME
    • FINAL EXPENSE
    • GRADED DEATH BENEFIT
    • GROUP LONG TERM LIFE
    • GUARANTEED ISSUE
    • IMPAIRED RISK
    • KEY PERSON
    • LONG TERM CARE
    • MORTGAGE LIFE
    • PAYROLL DEDUCTION
    • RETURN OF PREMIUM
    • SECOND TO DIE
    • TERM LIFE
    • UNIVERSAL LIFE
    • WHOLE LIFE
  • Why Choose Excalibur
    • Customer Reviews
    • Agent Reviews
    • FAQ
  • Contact Us
  • Drop Ticket
  • Blog
  • (800) 652-9923
  • Get A Quote

January 19, 2016 By

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 policy buyer is young, healthy, and not at all thinking about the actual need for life insurance. The conversation may develop as your learn about your employer group sponsored policy, or perhaps in reflection of seeing someone else make a purchase or being in the unfortunate position of hearing about the death of someone you know – who didn’t have life insurance and the family left behind is in need. Just like buying a house with homeowner insurance, or a car with auto insurance, or any other insurance policy, life insurance is complex and different for everyone – but – the one thing in common? Insurance fills a need.

Why Life Insurance?

The bottom line is that owning a strong life insurance policy early on is a smart choice financially. Life Insurance is something that people can fall back on when in financial need, becoming something that is of huge assistance. Life insurance policies by design provide financial support and security to families in need following the loss of a loved one, but they can actually do much more than that, offering a sense of security and peace of mind during times of injury or job loss. It all depends on the type of policy that you get – thus the potential complexity.

Here are a few quick tips for the first time policy buyer:

  • Understand why you need life insurance. Think about your family, your finances, your career and future financial prospects, and understand exactly what the policy can do for you.
  • Estimate the financial amount that you need from your policy. Don’t make the mistake of getting a policy that won’t cover the expenses you are most concerned about.
  • There is more than one type of life insurance policy, and it is important that you research all of your options before settling on one. While a term life insurance policy is likely to provide affordable monthly payments, a permanent life insurance policy is typically more comprehensive and will actually possess cash value. Know what is best for your personal needs before making a choice.

If you have never purchased life insurance before, now is a great time to start looking. And to ensure that you are looking at what YOU need – reach out to an insurance representative for both education and selection.

Filed Under: Affordable Life Insurance, Cheap Life Insurance, Life Insurance, Term Life Insurance Tagged With: affordable life insurance, Cheap Life Insurance, Final Expense Insurance, Insurance Market, steps for Cheap Life Insurance

New Jersey Life Insurance Expert

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 in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

Reader Interactions

Comments

  1. Facebook Marketing says

    August 26, 2021 at 1:50 pm

    I simply couldn’t go away your website before suggesting that I really enjoyed the standard info a person provide in your visitors? Is going to be back incessantly in order to check out new posts.

Click Here to read what some of our Agents/Brokers say about Excalibur!

The Best Service from the Top Life Insurance Brokerage Agency

Join Our Team

Brokers – We’ve Got You Covered! Personal Service to Make Your Life Easier!

Consumers! Need a Term Life, Guaranteed Issue, Final Expense, Impaired Risk Life Insurance quote?

Get Your Insurance Quote!

A life insurance broker committed to making a difference by getting you the low cost life insurance you want.

subcentersthe marketing alliance

Footer

  • Our Story
  • Our Products
  • Companies We Represent
  • Let’s Talk About Life Insurance!
  • Insurance Brokers
  • Consumers
  • FAQ
  • Get A Quote




lowest price for nexium 40 mg canada prescription price nexium generic over the counter nexium prescription nexium from canada cost of protonix versud nexium is nexium over the counter same as prescription nexium over the counter vs prescription cash price for nexium 40 mg in fort gratiot michigan sams club nexium price over the counter nexium cost at walmart nexium sale 44124 where can i buy nexium tablets nexium price without insurance walmart pharmacy price nexium nexium 24hr from canada nexium 40mg otc buy brand name nexium 40 mg online buy nexium tablets online nexium rx to otc switch best price otc nexium nexium over the counter cost nexium 40 mg rx cost insurance nexium price 2015 cheapest price for nexium fda nexium otc can you buy nexium 40 mg over the counter nexium omeprazole otc nexium medication cost where is the best place to purchase otc nexium how much does nexium cost at sams nexium buy on line is nexium 20 mg otc same as prescription 20 mg walgreens nexium price cost of nexium 24 hr 30 pack 40mg. buy nexium cheap who has nexium on sale where to buy generic nexium where to buy nexium for cheap cost of nexium 40mg with silverscript silver script low cost nexium nexium 28 ct for sale canada drugd nexium nexium online canada legitimate prilosec vs nexium otc price of nexium at cvs nexium manufacture cost nexium otc vs prescribed nexium price at bjs nexium otc coupon 2016 prilosec otc vs nexium 24 hr nexium 20mg 42cap by cost nexium otc over the counter directions nexium over the counter coupon compare nexium prices best prices on nexium nexium 40 mg capsule prices prescription nexium price are 2 nexium 20:mg otc the same as prescribed nexium 40mg cache:http://www.businessinsider.com/pharmacists-blame-pbms-for-high-cost-of-nexium-2016-10 nexium 20mg buy nexium price australia where to buy nexium from canada cost for nexium 24hr nexium cost at cvs where can i purchase nexium sams club order nexium on line is nexium prescription or over the counter nexium prices increase nexium reviews uk nexium otc dose nexium price us vs canada buy generic nexium walmart nexium price mercury drug philippines sams club nexium the price of it nexium price walmart nexium otc equivalent buy nexium generic prescription strength nexium vs otc best price nexium 40 mg over the counter nexium vs prescription nexium
Excalibur Brokerage Agency,
13 Junction Pond Lane,
Monmouth Junction NJ 08852.
Phone: 800-652-9923 / 732-297-6000

Copyright © 2023 · Excalibur Brokerage Agency, Inc. · Powered by Milehigh SEO