We are a greater Philadelphia, PA area insurance services agency, offering affordable
life insurance premiums to individuals and families in the following New Jersey cities
and counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede,
Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside,
Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro, Woodlynne,
Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville Grove, Colonial Manor,
Red Bank, National Park, Thorofare, Gibbstown, Bridgeport, Penns Grove,
Almonesson, Fairview, Grenloch, Hurffville, Turnersville, Erial, Pine Hill, West Berlin,
Clementon, Barrington, Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua,
Centre City, Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro, Ewan,
Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury, Clarksboro,
Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell, Auburn, Yorktown,
Pedricktown, Pennsville, Vineland, Millville, Gloucester County, Burlington County,
Salem County, and Camden County, NJ. We also offer affordable life insurance policy
services throughout southeastern Pennsylvania, including in Upper Darby, Drexel Hill,
Yeadon, Sharon Hill, Collingdale, Darby, Folcroft, Lansdowne, Norwood, Prospect
Park, Glenolden, Havertown, Colwyn, Chester, Cheltenham, Montgomery County,
Bucks County, Delaware County, and Philadelphia County, PA.
Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A
person should have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is generally no
federal income tax on death benefits paid to a named beneficiary.
Using the strength and experience of our life insurance markets,
we offer affordable term life, whole life, and universal life
insurance policies.
Life insurance coverage for a specified length of time.
A term life insurance policy is usually purchased with
a particular need in mind. Beneficiaries will collect,
usually tax free, the face value of the policy upon the
insured (your) death. Term life is attractive for those
with a limited income, high short term insurance
needs, or for personal family protection.
If the insured survives the time period, the policy
expires. There is no cash value at the expiration of a
term life insurance policy. Some policies have a
convertible feature permitting a policyowner to
exchange a term policy for a cash value policy
without evidence of insurability.
Level Term Life Insurance Policy Features
A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.
Decreasing Term Life Insurance Policy Features
Has a decreasing death benefit and a level premium.
Click on the link below to fill out a secure quote request form
for a Term Life Insurance policy that will provide excellent life
insurance coverage at an affordable cost. Or you can speak
with one of our Personal Insurance agent specialist toll free at
1-800-501-6199 to discuss the features.
Click on one below to learn more!
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The most popular choice for those seeking to cover permanent needs,
such as contributing to a survivor's nest egg, paying off final expenses,
etc. Whole life insurance provides permanent, lifelong insurance coverage.
The benefit amount remains the same and is payable to the beneficiary(s)
at the time of the insured's (your) death. It also offers an opportunity to
build cash value, so you can take a loan on your policy to fund major
purchases or to provide for unexpected costs.
Whole life insurance has a fixed premium and a level death benefit to age
100. The premiums don't increase with age, which averages the cost of
the policy over your life. The cash value increases with time until it equals
the death benefit at age 100. This type of policy never has to be renewed
or converted. The cash value is an amount of money that you are
guaranteed to receive in the event of policy cancellation.
Variations of Whole Life Insurance include:
Modified Premium - lower fixed premium for the first 3 or 5 years, and
then premiums increase. These policies work well for individuals that
expect to improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years,
and then is fixed.
1. premium costs may make it difficult to buy enough
2. need to carry a whole life policy for a considerable length of time to be
very beneficial
3. cash value may be less than your face value
4. cannot vary your monthly premium payment and the premium-paying
period may be lengthy
5. amount of coverage cannot be increased at a later date
Advantages of Whole Life Insurance
1. guaranteed protection for life
2. level death benefit that is generally tax-free
3. premiums do not increase in correlation with your age
4. cash may accumulate tax-deferred
Disadvantages of Whole Life Insurance
Click on the link below to fill out a secure quote request form for a Whole
Life Insurance policy that will provide excellent life insurance coverage at
an affordable cost. Or speak with one of our Personal Insurance agent
specialist toll free at 1-800-501-6199 to discuss the features.
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A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.
Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each
month deductions are made from the cash value fund to support the costs
of the insurance protection. As long as the cash value is substantial
enough to maintain the monthly costs, the policy will remain in force.
Typically the death benefit reduces in proportion to the increase in cash
value, thus causing a level death benefit.
Variable Universal Life Insurance Policy
Combines the growth potential of stocks with a guaranteed death benefit. It
allows premiums to be paid, reduced, or even skipped at any time, and the
contract will not lapse as long as sufficient cash value is available. The
cash value fund can be split between different investment mediums, such
as bond funds, stocks, and money markets. It's interest-sensitive and
allows for an adjustable death benefit.
Click on the link below to fill out a secure quote request form for a
Universal Life Insurance policy that will provide excellent life insurance
coverage at an affordable cost. Or you can speak with one of our
Personal Insurance agent specialists toll free at 1-800-501-6199 to
discuss the features.
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
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