Liberty Insurance Associates

Life Insurance

We specialize in term and annuity products at competitive rates.

Instant Life Insurance Quote
State:	New Jersey NY Non-Bus NY Business Pennsylvania
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Type of Insurance:	1 Year Level Term 5 Year Level Term 10 Year Level Term 15 Year Level Term 20 Year Level Term 25 Year Level Term 30 Year Level Term 35 Year Level Term 40 Year Level Term To Age 65 Level To Age 70 Level To Age 75 Level Other Term 10, 20, 30 Year Term All Level Term Product Categories 10 Year Return of Premium 15 Year Return of Premium 20 Year Return of Premium 25 Year Return of Premium 30 Year Return of Premium To age 65 Return of Premium To age 70 Return of Premium To age 75 Return of Premium Other Return of Premium 15, 20, 30 Year with ROP Return of Premium Products To Age 121 Level (No Lapse U/L) To Age 121 Level - Pay to 100 To Age 121 Level - Pay to 65 To Age 121 Level - 20 Pay To Age 121 Level - 10 Pay To Age 121 Level - Single Pay
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Financial Services

Employers know an attractive benefit package can help attract and retain good staff. At Liberty, we act as consultants to review your present program or create and maintain the program that's best for you at a fair price. And rest assured, we always place your coverage with a financially stable insurance company.

Fully-Insured Health Plans

Your program might include a Section 125 "cafeteria" plan and/or pension plan, as well as group life, health and disability. We can also recommend a non-qualified plan for senior management and help with a buy-sell agreement, key person coverages, income continuation plan and more.

Fully or Partially Self-Insured Plans

Business owners electing to self-insure rely on us to handle the details of establishing adequate reserve levels and to establish your relationship with a dependable third-party administrator.

Managed Care Plans

Employers are turning with increasing frequency to this method of providing improved levels of coverage at reduced costs. Health maintenance organizations (HMO's) and preferred provider organizations (PPO'S) are the two most common types of managed care. An on-staff specialist in managed care will explain your choices and implement them.

Once you've approved a benefit plan, Liberty "installs" it, explaining to your employees what's covered and what isn't. And we're there for consultation year-round.

Estate Planning

Every financial program should include estate planning. Our goal is to help you build your estate and minimize the effect of taxes. To that end, we offer IRA's, annuities, mutual funds and the combination of life, health and disability insurance that's right for you, now and in the future.

Long Term Care Insurance

Why purchase long term care?

To protect assets you've worked hard your whole life to accumulate.

• One out of every two people over the age of Sixty-Five will spend time in nursing homes.
• Medicare will not cover the costs of nursing home stays. Nursing home care can cost between $50,000 - $80,000 a year.
• Home health can cost between $12,000 and $50,000.
• 500,000 senior citizens deplete their life saving annually.

A Liberty Insurance advisor can provide you with the following:

• Long-term care insurance buyers guide
• Copy of consumer reports evaluation of LTC 1997
• A variety of 13 nationally recognized companies to choose from.
• Information on medicaid and how to qualify
• Information on NJ's laws that effect your long term health care.
• Designing a plan to fit your personal needs.

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Life Insurance

Life insurance is a financial product that you buy that gives your loved ones financial security when you die. The money they receive can be used to pay for ongoing household expenses, paying off a mortgage, funding college, moving and other expenses that arise. It is a way of providing peace of mind that your loved ones will be taken care of if/when you die.

Life Insurance comes in various types:

Term insurance-- The simplest form of insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component.

Whole life-- Similar to term, but you purchase the policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer "a relatively low guaranteed rate of return," but in reality pay at a rate in excess of the guarantee.

Universal life-- You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build. With some policies, sometimes called Type I or Type A, the cash account goes toward the face value of the policy on the death of the policyholder. With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the cash account. While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I.

A variation of a universal policy, often called universal variable life, allows policyholders to choose investment vehicles.

Variable life-- With a variable policy, there is usually a wider selection of investment products, including stock funds. As with a universal policy, returns on investments can offset the cost of premiums or build in the account. And depending on the type of policy, the beneficiaries will either receive the face value of the policy or the face value plus all or part of the cash account.

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Group Health & Dental

Your goal:A healthy workforce, and a healthy budget. We can help.

We offer the single solution for your benefits needs. Coordinated health benefits can mean better outcomes for employees, and simplified administration for you.

For complete information on benefits and insurance plans and products, including availability, details, and brochures, please contact us jbryer@lianet.com or732-792-7000 ext 240.

Find the right medical coverage, without breaking the budget. We offer benefits and insurance plans and products that are:

• Affordable
• Innovative
• Flexible
• Easy to use

Our portfolio of dental products and programs has something for everyone - plans that offer choice and flexibility, plans that help control costs, and plans that engage employees more than ever before.

• Broad array of dental benefits plans and dental insurance plans
• Expansive networks
• Prices to meet your budget
• Flexible funding arrangements
• Technology to make it all go smoothly

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Long Term Care

Research shows that at least 70 percent of people over age 65 will require some long-term care services at some point in their lives.Additionally, the cost of long-term care services may be surprising. That’s why it’s such a good idea to consider long-term care insurance as an integral part of a well-rounded financial plan. It may help protect your hard-earned assets, and provide more control over how and where you receive care should you need it.

Let Liberty Insurance, a recognized leader in long-term care insurance solutions, help you better understand your options, how coverage works, and where you can get a policy that best meets your needs and budget. Helping you make an informed choice is our goal.

Disability Income

Your lifestyle: Something to think about.

When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But it can happen. In fact:

• One in 3 working Americans will become disabled for 90 days or more before age 65.
• The average disability absence is 2 and a half years.
• More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately.

The chart below illustrates that an individual’s chances of disability are 2 to 3 times greater than death during their working years.

What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn’t work for months — or years? You’d still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it’s easy to see how savings could quickly disappear. Unfortunately, you can’t rely on other income sources like Social Security to protect you. In many cases, they don’t apply — or aren’t enough. For more information on other income sources, see below Think you're already protected?

Plan ahead to help protect your lifestyle. Then relax.

Liberty Insurance can offer flexible Disability Income Insurance policies that:

• Provide monthly income to help maintain your standard of living
• Can be customized to fit your particular situation
• Help you retain independence and dignity without burdening others
• Help keep your financial dreams and goals for the future intact.

Think you're already protected?

Think about this:

• Social Security disability payments are limited to disabilities expected to last at least 12 months or end in death. To qualify, you must be unable to engage in any type of work.
• Personal Savings can best be used to build a comfortable future. Add up your monthly bills, then multiply by 12 and you can see how fast even substantial savings can be depleted by unexpected illness or injury.
• Long-Term Disability Insurance offered through your employer is a start. But workplace disability benefits often times cover only about 50% of your income. Can your family survive on half of a paycheck?

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