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Individual Life Insurance in Hightstown NJ & East Windsor NJ

Reassurance for you and your Loved Ones.

Allen & Stults Co., Inc. provides life insurance to individuals in Hightstown, East Windsor, Cranbury, Monroe, West Windsor, Princeton, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Allen & Stults Co., Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Allen & Stults Co., Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Allen & Stults Co., Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Allen & Stults Co., Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Allen & Stults Co., Inc.

106 North Main St.
Hightstown, NJ 08520
Main office: 609-448-0110
Toll free: 800-792-8660

Our Providers

Dear Mrs. Mazzoli, Many thanks for all your help over the last few days with Timmy and his first car. We got it yesterday and Timmy is taking off today for New Hampshire. It was a relief knowing that you would have all the answers to my questions and as always, quick to respond to my emails. I attached a photo of Timmy and his car, a product of your knowledge and work...I could never have figured all this out without you!
Tim and Timmy
You have always considered and treated your clients as if they were family. You are an asset to your community. We wish you much continued success and are proud to be your clients and friends.
Thanks "Cappy" for all of the wonderful service and advice you have provided to the fraternity over these many years, Always professional and never too busy to assist in any way
We have had our home and auto through your company for 9 years and have been very happy with the service and prompt responses from our representative - Cathy Mazzolli.
It is no wonder that you have achieved such an honor with the wonderful service and personalized attention you offer your clients.
Through the years, your service to our Society has been greatly appreciated. Our best wishes to you and all who are part of Allen & Stults Co. Inc.
We value our association with you and your staff and wish you many more years of success.