Call Us (201) 664-2973 ☰ ˟
Get A Quote Customer Service


Johl & Company
(201) 664-2973

  • Home
  • Coverage
    • Automobile
    • Business
    • Commercial Auto
    • Cyber Liability
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Personal Umbrella
    • Workers Compensation
  • Get a Quote
    • Automobile
    • Business
    • Commercial Auto
    • Health
    • Homeowners
    • Life
    • Motorcycle
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Johl & Company
    • Our Office
    • Our Reviews
    • Privacy Policy
  • Contact
Auto Icon Home Icon Business Icon Life Icon Health Icon Boat Icon
Home > Products > Life Insurance - Westwood NJ & Garfield NJ

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

Protect What Matters Most.

Life insurance is a policy that can help protect your loved ones from financial hardship when you pass away. Without life insurance, your family may be left worrying about how they’re going to pay for bills you used to pay for, for example. Your policy can help cover various everyday expenses and give your family peace of mind after your passing. Contact your Johl & Company agent today if you’re interested in coverage.  

Common Life Insurance Questions:


What Is Life Insurance?  
Life insurance is a contract between you and your insurer where you pay a premium in exchange for a death benefit. A death benefit is an allotted amount of money your beneficiaries receive after your death. However, this money can be used in whatever ways the beneficiary sees fit such as bills, mortgage payments, and car payments.  

There are two types of insurance policies available for you to purchase:  

  • Term life insurance has a specified coverage period but can usually be renewed or converted into a permanent policy at the end of a term. Premiums are generally affordable initially but can substantially increase when renewed.

  • Permanent life insurance is life-long coverage that generally includes a cash value savings component. There are many types of permanent life insurance, including whole, universal and variable. This type of coverage has higher premiums but offers more long-term value.


Which policy you choose is up to you and your needs at the time. If you’re unsure which policy suits you, contact an agent today to learn more.  

Is Life Insurance Required?  
Life insurance is not a required policy, but it is highly recommended. If you’re on the fence about whether or not you want to buy life insurance, consider the following factors:  

  • The longer you keep coverage, the more your policy may accumulate value.

  • Younger individuals often qualify for lower policy premiums.

  • The healthier you are, the better your qualifications for a policy. Don’t risk waiting until your health begins to decline.


The earlier you receive life insurance, the better. To get started, connect with an agent today.  

Get Started Today 
The Johl & Company agents are here to help you navigate coverage. If you think you’re ready to take the first step in receiving life insurance coverage or you’re looking to learn more, reach out to an agent today. 
Facebook
Twitter
Google Maps
LinkedIn
YouTube
Get Directions
Contact Us Today
Have Questions?
Contact Us
Resources
Get A Quote
Refer A Friend
Contact Us
About Us
Our Carriers
Blog
Contact us 199 Center Ave.
Westwood, NJ 07675

(201) 664-2973
Fax: (201) 664-7015
© Copyright 2021. All rights reserved. Powered by Insurance Website Builder.