Life Insurance Policies in NJ, NY, CT, PA and Beyond
Life insurance is a cornerstone in protecting your family’s well being. Even if you have it, it can get dated quickly. That’s why it is important to review and possibly update your policy with a professional every two years.
The right policy is always a sound investment. It can provide:
- Replacement income for dependents
- Cover burial and funeral costs
- Create an inheritance for your heirs
- Pay federal “death” taxes and state “death” taxes
- Make significant charitable contributions
- Create a source of savings
Types of Life Insurance
Not all life insurance is the same. There are, in fact, two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance. It encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life.
Term
Term Insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. There are also two basic types of term insurance polices—level terms and decreasing term.
Level term means that the death benefit remains the same throughout the duration of the policy. Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term.
Whole Life/Permanent
Whole life or permanent insurance pays a death benefit whenever you die—even if you live to 100! There are three major types of whole life or permanent life insurances—traditional whole life, universal life, and variable universal life.
Want to get the straight word on life insurance?
Contact Muller Insurance to learn more about coverage throughout New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states. We are here to help.
Licensed in 25 States

Additional Resources
Don’t Get Swamped: Get Great Boat Insurance
Most people know the benefits of having a good credit rating. All sorts of companies are willing to lend you money, raise your credit card limits and lower your interest
How to Properly Insure Your NJ Waterfront Home
A New Jersey waterfront property comes with beautiful views of the ocean and the beach right at your doorstep. Standard homeowners insurance policies will cover damage to your home as
It’s Time to Get Out the ATV
The weather is finally here for you to take out your all-terrain vehicle! Now is the good time to review the rules of the off-road. ATVs require registration and liability