Choosing the right Insurance for Your Family, Business,
Personal or Professional Needs can be a confusing and
sometimes daunting process.   We explain the various
coverages available, creating a program that suits your
individual financial needs.
Our Life Insurance Products  include: Term,Indexed,Whole Life
& The New Return of Premium (ROP) Insurance Plans.

Term Life Insurance: a limited time policy, is usually the most affordable insurance product. We recommend term life policies for
young people, people with on-going financial commitments (mortgage, educational loans, etc.) or for people who are only in need of
temporary insurance.

Whole Life: defined as a permanent form of life insurance policy offers protection in case the insured dies and also builds up cash
surrender value at a guaranteed rate, which can be borrowed against. The policy stays in force for the lifetime of the insured, unless
it is canceled or lapses for non-payment of premiums. The policyholder usually pays a set annual premium for the whole life, (typically
to age 100)  which does not rise as the person grows older (as is the case with term insurance).
Whole Life is synonymous with ordinary or straight life insurance.

Universal Life: A type of flexible permanent-life insurance offering the low-cost protection of term insurance coupled with a  savings
element (like whole life insurance) which can be invested to provide a cash value buildup. The death benefit, savings element and
premiums can be reviewed and changed as a policyholder's circumstances change. In addition, unlike whole life insurance, universal
life insurance allows the policyholder to use the interest from his or her accumulated savings to help pay premiums. Universal life
allows the cash value of investments to grow at a variable rate that is adjusted monthly and yearly.

Return of Premium (ROP) Term Life: A growing popular low cost alternative to whole Life, because it provides the
policy holder the return of all premiums at the end of the policy period assuming the policy holder is still alive.
For example :
On a  $500,000, 20 year return of premium term policy, the payment may be $100 per month for the term , however at the
end of the 20 year term period you would get back $24,000, exactly what you paid, if you did not die in the interim;and
you paid on time every month, and the money comes to you tax free! If you did die during the policy period, your
beneficiaries would receive the $500,000. But you get your money back if you live, We all would rather do that!
In some cases the ROP policy can be coupled with a disability rider and provide payments in case one is unable to work
or provide a monthly income in case of terminal illness.  (check for availability)

Call Us for a specific solution for your situation.

**numbers quoted are for illustration purposes only, cost of insurance depends on many factors.
** Proper attention to one's objectives and financial situation should be paramount in selection of any Long Term Insurance Plan.
Some forms of Insurance can fluctuate and returns may effect potential future cash values.
Please consult with a financial advisor before purchasing any
investment and/or Insurance.

Phone-   732-899-8177
EMC Insurance Agency
& Financial Services LLC
EMC Insurance Agency & Financial Services LLC (EMC) is an independent Insurance Agency and is an independent affiliate of First Montauk Securities Corp. (FMSC), a registered
broker-dealer and Member FINRA/SIPC, headquartered in Red Bank, New Jersey. Other entities identified within this site are not affiliated with FMSC. FMSC does not approve or
disapprove of any of the theories or methods of investment by EMC discussed on this site. This site has been published in the USA for residents of the USA. EMC , its registered
representatives, and FMSC can only do business in states in which they are registered. Nothing on this site is intended nor should it be construed, as a solicitation to invest. The
information and/or links provided on this site are deemed to be from accurate and reliable sources. However, neither EMC nor FMSC make any representations or guarantees as to its
accuracy. Insurance and Financial services are provided through unaffiliated entities.  The information discussed on this web site serves only as a general guide and is not intended to
replace the advice of an attorney, financial planner, or qualified tax advisor.
We serve clients in NY & NJ with many of Of Our Customers in
Ocean and Monmouth Counties. We provide Homeowners
Insurance in towns from: Brick, Point Pleasant, Matawan,
Manasquan, Forked River, Toms River, Howell, Jackson,
Seaside, BayHead,Sea Girt, Lavallette, Normandy Beach, Wall,
Spring Lake, Brielle,Ship Bottom, Cliffside Park, Oradell,
Ramsey, Edison, Monroe, Jersey City, Ramsey and Princeton.
2900 Route 88 Point Pleasant NJ 08742
Call 732-899-8177
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