• Final Expense

    If you’ve ever had a friend or loved one pass away, you know that it’s an overwhelming experience.  During an emotional and grievous time, you’re forced to find a funeral home, cemetery, and make countless decisions. The survivors who are grieving are burdened and often are left scrambling for the money to cover the funeral read more
  • Life Happens……Are You Prepared?

    Most people purchase life insurance to help provide their family financial security at the time of their death. But what if you experienced a chronic, critical or terminal illness? Would your insurance policy allow you to access your death benefit to help cover the associated costs? What is a Critical, Chronic or Terminal Illness?  Critical Illness  Critically Ill means read more
  • Types of Life Insurance

    There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.   Term insurance The most affordable type of insurance when initially purchased and is designed to meet temporary needs.  It provides pure protection for a specific period of time (the “term”) and generally pays a benefit only read more


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I'm grateful to know there are nice people in this world who are willing to help others. Fred is not only a trusting insurance agent, but a friend who deeply cares.

Stacey G. Wenonah, NJ