Term Life, Whole Life, Group Health, Exceptional Risk Insurance, Funeral Insurance in Summit, NJ

Life Insurance Benefits

Life insurance can help your family find peace of mind. At Fairfield Green Enterprises, I can help you find the coverage you need to protect your family or business from financial loss if you should die while you have obligations. 
Why do you need life insurance?

• To protect your family and loved ones
• To leave an inheritance 
• To pay off debts and other expenses 
• To add more financial security 

A variety of add-on benefits, also known as riders, allow you to tailor your coverage to meet your needs. At Fairfield Green Enterprises, I am here to help you to figure out what kind of life insurance is right for you.

Long Term Care

People are living longer than ever before. While there are many benefits to a longer life, you need to prepare yourself financially. It also means that your are more likely to be impacted by a chronic or terminal illness.

If you were to become chronically ill:

• Who would care for you? 
• Where would you live?
• How would you continue to participate in family life?

7 in 10 people who are age 65 will deal with a chronic illness or disability later in life. Living longer means you need protection for more than just your family. You need it for yourself.

For More Information on a Traditional Carve Out Life Insurance Product that May Benefit You

For More Information on Why Long Term Care is Imperative to You and Your Loved Ones

Why Purchasing Insurance In-Person is Most Beneficial

Studies show that only one-third of the population feels secure enough in planning for the end of their own lives or the lives of their loved ones on their own. They want insurance, but are not sure how to navigate such terrain in a world where everything has become online-focused. Close to 70% of all potential buyers prefer to purchase insurance from a knowledgeable professional face to face, but their biggest concern is not being heard by the agent or being pushed into a decision too quickly. My decades of expertise in this field guarantees an unbiased, customized experience based on your specific needs and goals while being free of pressure.   

Why Millennials are Now Interested in Whole Life Insurance

Life for anyone born after 1980 is incredibly different from previous generations. This age group is facing the daunting reality of financial uncertainty as they age – retiree healthcare benefits and pensions are becoming a thing of the past. Whole Life Insurance can provide financial protection and security where other types of insurance cannot. With a fixed premium that will unlikely change over the years, it is an investment that can pay out not just to beneficiaries but can be used to supplement retirement income down the road.

The Abilities of Disability Insurance

As people continue to work later in life, their probability of becoming disabled while still on the job has increased. One in four people will become disabled before retirement – and close to 90% of disabilities are caused by illnesses, not accidents.

What can Disability Insurance (DI) do for you? There are multiple ways to explain the benefits of DI – and rather than focus on what one can’t do if the need for DI arises, I prefer to focus on what a DI claim can help my clients pay if necessary. DI gives you: 

1. The ability to keep paying monthly mortgage payments
2. The ability to pay property tax and/or homeowner’s insurance
3. The ability to pay for utilities and expenses (phone bill, cable bill, gas, or electric)
4. The ability to pay for medical treatments, home healthcare or hospice care
5. The ability to pay insurance premiums on time
6. The ability to fund emergency home repairs, emergency health expenses, or emergency travel
7. The ability to help pay for education
8. The ability to continue the payments on credit cards or debt/loans
9. The ability to provide for your family’s or children’s expenses
10. The ability to maintain your transportation (car payments, car insurance, car registration, gas, or repairs)
11. Most importantly, the ability to maintain at least some sense of financial normality while you are unable to work.

Very few things are more alarming than the lack of ability to work and provide for yourself and others – but DI significantly cushions the blow, and helps maintain your financial independence while doing so. That’s why I call it Ability Insurance rather than Disability Insurance.

Single Premium Immediate Annuities

A Single Premium Immediate Annuity (SPIA) is an insurance solution for clients who are in immediate need of care, are less healthy or in declining health, are worried about outliving their savings, or do not qualify for Long Term Care insurance due to health issues. The less healthy you are, the higher the monthly payout you will receive – the opposite of life insurance. This income begins immediately, is paid out for the rest of the annuitant’s life, and can be used for any purposes. It is not bound to daily living activities, so no health evaluations are required and there are no claims to file, and there are typically no separate charges or fees. Some SPIAs also offer optional benefits such as cost of living adjustments (which can increase the income payment each year to offset potential increase in living expenses) or death benefit options (which can protect a portion of the premium paid into the annuity upon the death of the recipient.)



The target audience of an SPIA is an older individual with significant health adversity or issues. It can produce greater income for individuals who are not expected to live to an average age, and can significantly offset the cost of care, whether in present or future. It also serves to remove a potential financial burden from other family members who may be called upon to care for the said individual – especially when health insurance or Medicare fails to cover the entirety of their costs. SPIAs can guarantee the client will never outlive their money, which provides untold amounts of security to the client as well as the client’s family or caregivers.

If you are an older individual in poor, failing, or non-optimum health for your age – a SPIA may be your best bet.