B&P Financial Services

Morristown, NJ 07960

163 Madison Ave., 2nd Floor

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Excluding Weekends

Life Insurance in NJ


Whole Life Coverage


Term Coverage

How are you planning to take care of your family or your business when you are no longer around?

Most people are not aware of the importance of life insurance. They are not even financially prepared to take care of their families in case something unfortunate happens to them.

Our Life Specialist will help you find the right life insurance to protect your family in case anything happens to you.

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Whole life

Whole life insurance is a type of permanent life insurance that accumulates cash value. This is very different from term life insurance which only covers the policyholder for a certain period of time, or until they reach a certain age. Whole life provides life insurance protection for the term of the coverage. It is a quality product if you understand how it works.

Universal Life

While all life insurance policies are designed to protect your family in the event of your death, universal life insurance is designed to do so while also providing your family with extra cash. This means your family will have money to use for any purpose they see fit. Another benefit is that any premiums you pay will earn interest growing your benefit.

Indexed Universal

Life insurance cash value is a type of universal life insurance that is a hybrid between a whole life policy and a universal life policy. It offers a fixed or equity-indexed rate of return on the cash value component. A popular policy choice in a volatile stock market because of the guaranteed rate of return until the death benefit is reached.

variable universal

Variable universal life insurance is a policy that provides insurance coverage for your life, and the policy’s cash value can be invested in separate accounts, such as mutual funds. This way, you can invest and plan for your retirement. As you age, your policy grows in value and can provide you with a steady source of income in your retirement.


Life Insurance FAQS

What is the point of life insurance
Life insurance products offer peace of mind for plan owners with peace of mind for their loved ones after their death.
If I have no income or dependents, is life insurance worth it?
A life insurance policy on someone with no income or no dependents may not be worth it.
What are the different types of life insurance
Term life insurance, whole life insurance, and universal life insurance policies can all be options and it is important to know the differences between them.