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Home > Life Insurance | Suburban General Insurance Agency - New Jersey

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

Life insurance is a policy designed to provide designated beneficiaries with a sum of money after you die in exchange for a monthly premium throughout your lifetime or for a set period. You can obtain two main types of life insurance depending on your needs: term or permanent life insurance. Contact your Suburban General Insurance Agency agents to learn more.  

What Is Life Insurance?  

Life insurance is a contract that pays a death benefit to the designated policy owner when the insured dies. There are two overarching types of life insurance you can choose from depending on your term needs: 

Term life insurance lasts a specific amount of time, then ends at the end of the set term. Standard terms are usually 10, 20 and 30 years.  

Permanent life insurance is for your entire life unless you discontinue your payments. This type of life insurance is typically more expensive.  

Before deciding on a type of policy, you should consider your financial situation and the money your beneficiaries may need after you die. Our agents are here to help you sort through your options.  

How Much Life Insurance Do I Need?  

Many factors can impact the cost of your life insurance premiums, some out of your control. It’s essential to manage your controllable factors to try to bring your costs down before applying for a policy. When determining how much life insurance you need, consider what expenses would need to be covered in the event of your death, such as a mortgage, student loans and car payments. Consider income replacement if you’re leaving behind a spouse.  

Your agent can help you determine how much life insurance you need to provide the best financial protection possible for your loved ones.  

How Many Life Insurance Policies Can a Person Have?  

There is no limit on the number of life insurance policies you can have. If you have questions about how many life insurance policies you should have or if you’re considering multiple policies, contact an agent for further discussion.  

Get Started Today 


At Suburban General Insurance Agency, we’re well versed in the ins and outs of life insurance for a variety of different needs. Contact an agent today to explore your life insurance options.  

Contact Us Today!
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21-00 RTE 208S, Suite 105 | Fair Lawn, NJ 07410
P: 201-225-9099 | Fx: 201-225-0253 | info@suburbangeneral.com
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